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
16 Overview of Calculator Operations
Accessing the TVM Worksheet Variables
Statistics worksheet
(Chapter 6)
Analyzes statistics on one- or
two-variable data using four
regression analysis options
&k
Percent Change/
Compound Interest
worksheet
(Chapter 7)
Computes percent change,
compound interest, and cost-
sell markup
&q
Interest Conversion
worksheet
(Chapter 7)
Converts interest rates
between nominal rate (or
annual percentage rate) and
annual effective rate
&v
Date worksheet
(Chapter 7)
Computes number of days
between two dates, or date/
day of the week a specified
number of days is from a given
date
&u
Profit Margin worksheet
(Chapter 7)
Computes cost, selling price,
and profit margin
&w
Breakeven worksheet
(Chapter 7)
Analyzes relationship between
fixed cost, variable cost, price,
profit, and quantity
&r
Memory worksheet
(Chapter 7)
Accesses storage area for up to
10 values
&{
• To assign values to the TVM worksheet variables, use
the five TVM keys (,, -, ., /, 0).
• To access other TVM worksheet functions, press the &
key, and then press a TVM function key (
xP/Y, P/Y, BGN).
(See “TVM and Amortization Worksheet Variables” on
page 22.)
Note: You can assign values to TVM variables while in a
prompted worksheet, but you must return to the
standard-calculator mode to calculate TVM values or
clear the TVM worksheet.
To select Function Press