Owner's Manual
Table Of Contents
- Overview of Calculator Operations
- Turning On the Calculator
- Turning Off the Calculator
- Selecting 2nd Functions
- Reading the Display
- Setting Calculator Formats
- Resetting the Calculator
- Clearing Calculator Entries and Memories
- Correcting Entry Errors
- Math Operations
- Memory Operations
- Calculations Using Constants
- Last Answer Feature
- Using Worksheets: Tools for Financial Solutions
- Time-Value-of-Money and Amortization Worksheets
- TVM and Amortization Worksheet Variables
- Entering Cash Inflows and Outflows
- Generating an Amortization Schedule
- Example: Computing Basic Loan Interest
- Examples: Computing Basic Loan Payments
- Examples: Computing Value in Savings
- Example: Computing Present Value in Annuities
- Example: Computing Perpetual Annuities
- Example: Computing Present Value of Variable Cash Flows
- Example: Computing Present Value of a Lease With Residual Value
- Example: Computing Other Monthly Payments
- Example: Saving With Monthly Deposits
- Example: Computing Amount to Borrow and Down Payment
- Example: Computing Regular Deposits for a Specified Future Amount
- Example: Computing Payments and Generating an Amortization Schedule
- Example: Computing Payment, Interest, and Loan Balance After a Specified Payment
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
- General Information

Memory Examples
To Press
Clear memory 4 (by storing a zero value in it)
0 D 4
Store 14.95 in memory 3 (M3) 14.95 D 3
Recall a value from memory 7 (M7) J 7
Memory Arithmetic
Using memory arithmetic, you can perform a calculation with a stored value
and store the result with a single operation.
• Memory arithmetic changes only the value in the affected memory and not
the displayed value.
• Memory arithmetic does not complete any calculation in progress.
The table lists the available memory arithmetic functions. In each case, the
specified memory stores the result.
To Press
Add the displayed value to the value stored in memory 9
(
M9).
D H
9
Subtract the displayed value from the value stored in memory
3 (M3).
D B
3
Multiply the value in memory 0 (M0) by the displayed value.
D <
0
Divide the value in memory 5 (M5) by the displayed value.
D 6
5
Raise the value in memory 4 (M4) to the power of the
displayed value.
D ;
4
Overview of Calculator Operations 13