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

80 Other Worksheets
Memory Worksheet
The Memory worksheet lets you compare and recall
stored values by accessing the calculator’s 10
memories. All memory variables are enter-only. Types
of Worksheet Variables
• To access the Memory worksheet, press & {.
• To access memory variables, press " or #.
Note: You can access memories individually using
D, J, and the digit keys. Memory Operations
Memory Worksheet Variables
Variables Key Display Variable Type
Memory 0 & {
M0
Enter-only
Memory 1
#
M1
Enter-only
Memory 2
#
M2
Enter-only
Memory 3
#
M3
Enter-only
Memory 4
#
M4
Enter-only
Memory 5
#
M5
Enter-only
Memory 6
#
M6
Enter-only
Memory 7
#
M7
Enter-only
Memory 8
#
M8
Enter-only
Memory 9
#
M9
Enter-only
Note: This guidebook categorizes calculator variables by their method of entry.
Clearing the Memory Worksheet Variables
To clear all 10 memories at once, press & z in the Memory
worksheet.
Using the Memory Worksheet
1. To select the Memory worksheet, press & {. M0 apears.
2. Perform any of the following operations: