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 77
Answer: Because there are 58 days between the two dates, the loan
accrues interest for 58 days before the first payment.
Profit Margin Worksheet
Profit Margin Worksheet Variables
Note: This guidebook categorizes calculator variables by their method of
entry. (See “Types of Worksheet Variables” on page 18.)
Gross Profit Margin and Markup
The terms margin and markup often are used interchangeably, but each
has a distinct meaning.
• Gross profit margin is the difference between selling price and cost,
expressed as a percentage of the selling price.
• Markup is the difference between selling price and cost, expressed as
a percentage of the cost.
Clearing Profit Margin Worksheet Variables
• To clear the Profit Margin worksheet variables and reset default
values, press & z. All Profit Margin worksheet variables
default to zero.
• To reset default values for all calculator variables and formats,
including the Profit Margin worksheet variables, press
&}!.
The Profit Margin worksheet computes cost, selling price,
and gross profit margin.
Note: To perform markup calculations, use the Percent
Change/Compound Interest worksheet. (See “Percent
Change/Compound Interest Worksheet” on page 69.)
• To access the Profit Margin worksheet, press &w.
• To access profit margin variables, press " or #.
• Enter values for the two known variables, and then
compute a value for the unknown variable.
Variable Key Display Variable Type
Cost & w
CST
Enter/compute
Selling price #
SEL
Enter/compute
Profit margin #
MAR
Enter/compute