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

Other Worksheets 71
3. To enter values for the known variables, press # or " until the
variable you want is displayed, then key in a value, and press !.
(Do not enter a value for the variable you wish to solve.)
• Percent Change — Enter values for two of these three variables:
OLD, NEW, and %CH. Leave #PD set to 1.
• Compound Interest — Enter values for three of these four
variables: OLD, NEW, %CH, and #PD.
• Cost-Sell-Markup — Enter values for two of these three
variables:
OLD, NEW, and %CH. Leave #PD set to 1.
4. To compute a value for the unknown variable, press # or " until the
variable you want is displayed and press
C. The calculator displays
the value.
Example: Computing Percent Change
First, determine the percentage change from a forecast amount of $658
to an actual amount of $700. Second, determine what the new amount
would be if it were 7% below the original forecast.
Answer: $700 represents a 6.38% increase over the original forecast of
$658. A decrease of 7% would result in a new actual amount of $611.94.
Example: Computing Compound Interest
You purchased stock in 1995 for $500. Five years later, you sell the stock
for $750. What was the annual growth rate?
To Press Display
Select Percent Change/Compound
Interest worksheet.
& q
OLD=
Current
value
Enter original forecast amount.
658 !
OLD=
658.00
1
Enter actual amount. # 700 !
NEW=
700.00
1
Compute percent change. #C
%CH=
6.38
7
Enter -7 as percent change. 7 S!
%CH=
-7.00
1
Compute new actual amount.
"
C
NEW=
611.94
7
To Press Display
Select Percent Change/Compound
Interest worksheet.
&q
OLD=
Current
value
Enter stock purchase price.
500 !
OLD=
500.00
1