Owner's Manual

To compute a TVM value, press C and a TVM key in standard-calculator
mode.
Using [xP/Y] to Calculate a Value for N
1. Key in the number of years, and then press & Z to multiply by the
stored
P/Y value. The total number of payments appears.
2. To assign the displayed value to N for a TVM calculation, press ,.
Entering Cash Inflows and Outflows
The calculator treats cash received (inflows) as a positive value and cash
invested (outflows) as a negative value.
• You must enter cash inflows as positive values and cash outflows as
negative values.
• The calculator displays computed inflows as positive values and computed
outflows as negative values.
Generating an Amortization Schedule
The Amortization worksheet uses TVM values to compute an amortization
schedule either manually or automatically.
Generating an Amortization Schedule Manually
1. Press & \. The current
P1 value appears.
2. To specify the first in a range of payments, key in a value for P1 and press
!.
3. Press #. The current P2 value appears.
4. To specify the last payment in the range, key in a value for P2 and press
!.
5. Press # to display each of the automatically computed values:
• BAL — the remaining balance after payment P2
• PRN — the principal
• INT — the interest paid over the specified range
6. Press & \.
— or —
If
INT is displayed, press # to display P1 again.
Time-Value-of-Money and Amortization Worksheets 25