User Manual
Table Of Contents
- Important Information
- 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
- Using the TVM and Amortization Variables
- Resetting the TVM and Amortization Worksheet Variables
- Clearing the Unused Variable
- Entering Positive and Negative Values for Outflows and Inflows
- Entering Values for I/Y, P/Y, and C/Y
- Specifying Payments Due With Annuities
- Updating P1 and P2
- Different Values for BAL and FV
- Entering, Recalling, and Computing TVM Values
- Using [xP/Y] to Calculate a Value for N
- 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
- TVM and Amortization Worksheet Variables
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
Overview of Calculator Operations 13
• 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.
Calculations Using Constants
Example: Multiply 3, 7, and 45 by 8
To Press
Add the displayed value to the value stored in memory 9
(
M9).
DH
9
Subtract the displayed value from the value stored in
memory 3 (
M3).
DB
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. D6 5
Raise the value in memory 4 (M4) to the power of the
displayed value.
D; 4
To store a constant for use in repetitive calculations, enter
a number and an operation, and then press &`.
To use the stored constant, key in a value and press N.
Note: Pressing a key other than a number or N clears the
constant.
To Press Display
Clear the calculator. &U 0.00
Enter the value for the first calculation.
3
3
Enter the operation and a constant value. <
8 8
Store the operation and value, and then
calculate.
&` N 24.00
Calculate 7
Q 8.
7 N 56.00
Compute 45
Q 8.
45 N 360.00