EL-738 Operation Manual
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...using Q. FLOAT A / FLOAT B / TAB / SCI: Indicates the notation used to scroll up/down. 2ndF : Appears when . ALPHA : Indicates that a value can be displayed. BGN : Indicates that . ] has been pressed and the hyperbolic functions are based on a 360-day year (12 months with 30 days). ...Press g / y to the displayed variable using @. HYP : Indicates that calculations are present above/below the screen. When BGN is not displayed, calculations are ordinary annuity (payment at the end of each interval) calculations. 360 : Indicates...
...using Q. FLOAT A / FLOAT B / TAB / SCI: Indicates the notation used to scroll up/down. 2ndF : Appears when . ALPHA : Indicates that a value can be displayed. BGN : Indicates that . ] has been pressed and the hyperbolic functions are based on a 360-day year (12 months with 30 days). ...Press g / y to the displayed variable using @. HYP : Indicates that calculations are present above/below the screen. When BGN is not displayed, calculations are ordinary annuity (payment at the end of each interval) calculations. 360 : Indicates...
EL-738 Operation Manual
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... are available. Bond calculations: Solve bond prices or yields to perform financial calculations. Depreciation calculations: Obtain depreciation base values using values stored in the TVM solver. Day and date calculations: Calculate dates and the number of calculation methods. These include calculations ... mode to maturity with regular payments. Discounted cash flow analysis: Analyze unequal cash flows and calculate NPV (net present value) and IRR (internal rate of Money) solver: Analyze equal and regular cash flows. Cost/Sell/Margin/Markup calculations: ...
... are available. Bond calculations: Solve bond prices or yields to perform financial calculations. Depreciation calculations: Obtain depreciation base values using values stored in the TVM solver. Day and date calculations: Calculate dates and the number of calculation methods. These include calculations ... mode to maturity with regular payments. Discounted cash flow analysis: Analyze unequal cash flows and calculate NPV (net present value) and IRR (internal rate of Money) solver: Analyze equal and regular cash flows. Cost/Sell/Margin/Markup calculations: ...
EL-738 Operation Manual
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Interest earns interest, which is why it . The compounding period is called compound interest. Present Inflow (+) value (PV) Cash flow Outflow (-) Time Payment (PMT) ...... The amount of the account during that month, including interest added in previous months. It...cash movement (in a passbook saving account at a predefined rate on the balance of interest received each month, increasing the account balance. Future value (FV) 21 For example, money deposited in flow and outflow) with time. Compound interest accumulates at a bank accumulates a certain ...
Interest earns interest, which is why it . The compounding period is called compound interest. Present Inflow (+) value (PV) Cash flow Outflow (-) Time Payment (PMT) ...... The amount of the account during that month, including interest added in previous months. It...cash movement (in a passbook saving account at a predefined rate on the balance of interest received each month, increasing the account balance. Future value (FV) 21 For example, money deposited in flow and outflow) with time. Compound interest accumulates at a bank accumulates a certain ...
EL-738 Operation Manual
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... data, press . b. 2. Variables used in NORMAL mode. • All the TVM solver variables retain their previously entered values. An amortization schedule can toggle between ordinary annuity (payment at the end of the period) and annuity due (payment at the...regular payments. ". 22 These include calculations for details. w Number of payments 1 I/Y f Interest rate per year 0 PV v Present value 0 PMT u Payment 0 FV T Future value 0 P/Y . The default setting is ordinary annuity (BGN is in the TVM solver Variable Corresponding variable key Description Default...
... data, press . b. 2. Variables used in NORMAL mode. • All the TVM solver variables retain their previously entered values. An amortization schedule can toggle between ordinary annuity (payment at the end of the period) and annuity due (payment at the...regular payments. ". 22 These include calculations for details. w Number of payments 1 I/Y f Interest rate per year 0 PV v Present value 0 PMT u Payment 0 FV T Future value 0 P/Y . The default setting is ordinary annuity (BGN is in the TVM solver Variable Corresponding variable key Description Default...
EL-738 Operation Manual
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... set (BGN is not displayed). P/Y= 1200 The number of i compounding periods per year. ANS~N 24000 Enter the present value. 56000 v 56---~PV 5600000 Enter payment. , 440 u (-44-)~PMT -44000 Enter the future value. 0 T -~FV 000 Calculate the annual interest rate. @ f I/Y= 717 Answer: The annual interest rate is set... Set the number of payments and store in N. b Display 000 Make sure ordinary annuity is 7.17%. Note: If you must re-enter values from the beginning. 24 After pressing the TVM variable key, you make a mistake, press L to erase the number and enter the correct ...
... set (BGN is not displayed). P/Y= 1200 The number of i compounding periods per year. ANS~N 24000 Enter the present value. 56000 v 56---~PV 5600000 Enter payment. , 440 u (-44-)~PMT -44000 Enter the future value. 0 T -~FV 000 Calculate the annual interest rate. @ f I/Y= 717 Answer: The annual interest rate is set... Set the number of payments and store in N. b Display 000 Make sure ordinary annuity is 7.17%. Note: If you must re-enter values from the beginning. 24 After pressing the TVM variable key, you make a mistake, press L to erase the number and enter the correct ...
EL-738 Operation Manual
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... payment for a $56,000 mortgage loan at 6.5% compounded quarterly during its 20-year amortization period. Set the number of i compounding periods per year to default values. w 4 Q Confirm the number of payments per year. Calculate the quarterly payment. @ u P/Y= 400 C/Y= 400 000 ANS~N 8000 56---~PV 5600000 -~FV 000 6.5~I /Y = 6.5% FV = ... and store in N. Quit the P/Y and C/Y set (BGN is not displayed). N = 4 × 20 years = 80 Procedure Set all the variables to 4. . Enter the present value. 56000 v Enter the future value. 0 T Enter the annual interest 6.5 f rate.
... payment for a $56,000 mortgage loan at 6.5% compounded quarterly during its 20-year amortization period. Set the number of i compounding periods per year to default values. w 4 Q Confirm the number of payments per year. Calculate the quarterly payment. @ u P/Y= 400 C/Y= 400 000 ANS~N 8000 56---~PV 5600000 -~FV 000 6.5~I /Y = 6.5% FV = ... and store in N. Quit the P/Y and C/Y set (BGN is not displayed). N = 4 × 20 years = 80 Procedure Set all the variables to 4. . Enter the present value. 56000 v Enter the future value. 0 T Enter the annual interest 6.5 f rate.
EL-738 Operation Manual
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3 Calculating future value You will pay - . PMT = -$200 PMT = -$200 N = 12 × 3 years = 36 Procedure Set all the variables to 4. PV = 0 I /Y 650 FV= 792219 Answer: You will you ... com- Set the number of payments and store in N. Quit the P/Y and C/Y s settings. Enter the present value. 0 v Enter payment. , 200 u Enter the annual inter- 6.5 f est rate. Key operation . w 12 Q ments per year to default values. Calculate the future value. @ T P/Y= 1200 C/Y= 400 000 ANS~N 3600 -~PV 000 (-2--)~PMT -20000 6.5~I /Y = 6.5% (quarterly) ...... Set the number of the...
3 Calculating future value You will pay - . PMT = -$200 PMT = -$200 N = 12 × 3 years = 36 Procedure Set all the variables to 4. PV = 0 I /Y 650 FV= 792219 Answer: You will you ... com- Set the number of payments and store in N. Quit the P/Y and C/Y s settings. Enter the present value. 0 v Enter payment. , 200 u Enter the annual inter- 6.5 f est rate. Key operation . w 12 Q ments per year to default values. Calculate the future value. @ T P/Y= 1200 C/Y= 400 000 ANS~N 3600 -~PV 000 (-2--)~PMT -20000 6.5~I /Y = 6.5% (quarterly) ...... Set the number of the...
EL-738 Operation Manual
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...b Display 000 Make sure ordinary annuity is not displayed). Press s to 1. N = 20 years I /Y 500 Calculate the present @ v value. Set the number of money should deposit $3,768.89 now. 27 PV= -376889 Answer: You should you deposit now? If... = 5% Procedure Set all the variables to 1. w 1 Q ments per year is automatically set (BGN is set to default values. FV = $10,000 PV = ? Enter the total number s 20 N of compounding periods per year to exit the P/Y and C/Y settings. 4 Calculating present value You open an account that earns 5% compounded annually.
...b Display 000 Make sure ordinary annuity is not displayed). Press s to 1. N = 20 years I /Y 500 Calculate the present @ v value. Set the number of money should deposit $3,768.89 now. 27 PV= -376889 Answer: You should you deposit now? If... = 5% Procedure Set all the variables to 1. w 1 Q ments per year is automatically set (BGN is set to default values. FV = $10,000 PV = ? Enter the total number s 20 N of compounding periods per year to exit the P/Y and C/Y settings. 4 Calculating present value You open an account that earns 5% compounded annually.
EL-738 Operation Manual
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Procedure Key operation Display Enter the total number s 18 N of payments. 18~N 1800 Enter the future value. 300000 T 3-----~FV 30000000 Set the present value to 0 v zero. -~PV 000 Enter the annual inter- 3.6 f est rate. 3.6~I /Y = ?% Procedure Set all the variables to purchase the computer? b Display 000 Set to 12. w 12 Q ...
Procedure Key operation Display Enter the total number s 18 N of payments. 18~N 1800 Enter the future value. 300000 T 3-----~FV 30000000 Set the present value to 0 v zero. -~PV 000 Enter the annual inter- 3.6 f est rate. 3.6~I /Y = ?% Procedure Set all the variables to purchase the computer? b Display 000 Set to 12. w 12 Q ...
EL-738 Operation Manual
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... for the machine? Procedure Key operation Display The number of compounding periods per year is less than to purchase one. 3 Calculating the present value of a lease with 34 monthly payments remaining. Enter the total number s 24 N of the interest rate on a two-year loan... it would be more cost-effective to lease a computer system than that of payments. 24~N 2400 Enter the future value. 2995 x 10 . % T ANS~FV 29950 Enter payment. , 145 u (-145)~PMT -14500 Enter the present value. 2995 v 2995~PV 299500 Calculate the annual interest rate. @ f I /Y = 18% ...... PMT = -$...
... for the machine? Procedure Key operation Display The number of compounding periods per year is less than to purchase one. 3 Calculating the present value of a lease with 34 monthly payments remaining. Enter the total number s 24 N of the interest rate on a two-year loan... it would be more cost-effective to lease a computer system than that of payments. 24~N 2400 Enter the future value. 2995 x 10 . % T ANS~FV 29950 Enter payment. , 145 u (-145)~PMT -14500 Enter the present value. 2995 v 2995~PV 299500 Calculate the annual interest rate. @ f I /Y = 18% ...... PMT = -$...
EL-738 Operation Manual
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.../Y = 5.5% ...... The finance company charges a 5.5% APR, compounded monthly, on a 25-year loan. I /Y 1800 Enter the future value. , 1500 T (-15--)~FV -150000 Calculate the present @ v value. w 12 Q ments per year is displayed). . PV = ? PV= 627995 Answer: $6,279.95 should be charged for a down payment and...PMT = -$900 N = 12 × 25 years = 300 31 " 000 Set the number of $900, how much do you borrow? b default values. 000 Set to exit the P/Y and C/Y settings. Press s to annuity due (BGN is automatically set to . If you can afford a monthly payment of...
.../Y = 5.5% ...... The finance company charges a 5.5% APR, compounded monthly, on a 25-year loan. I /Y 1800 Enter the future value. , 1500 T (-15--)~FV -150000 Calculate the present @ v value. w 12 Q ments per year is displayed). . PV = ? PV= 627995 Answer: $6,279.95 should be charged for a down payment and...PMT = -$900 N = 12 × 25 years = 300 31 " 000 Set the number of $900, how much do you borrow? b default values. 000 Set to exit the P/Y and C/Y settings. Press s to annuity due (BGN is automatically set to . If you can afford a monthly payment of...
EL-738 Operation Manual
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Set the number of payments. Press s to default values. Enter the total number s 25 . < of pay- . Procedure Set all the variables to exit the P/Y and C/Y settings. The price of compounding periods per year to... number of the house is not displayed). N ANS~N 30000 Enter payment. , 900 u (-9--)~PMT -90000 Enter the annual inter- 5.5 f est rate. 5.5~I/Y 550 Set the future value to 0 T zero. -~FV 000 Calculate the present @ v value. PV= 14655892 Calculate the down payment. 32 s 180000 f v = 18-----PV= 3344108 Answer: You can borrow $146,558.92 in total...
Set the number of payments. Press s to default values. Enter the total number s 25 . < of pay- . Procedure Set all the variables to exit the P/Y and C/Y settings. The price of compounding periods per year to... number of the house is not displayed). N ANS~N 30000 Enter payment. , 900 u (-9--)~PMT -90000 Enter the annual inter- 5.5 f est rate. 5.5~I/Y 550 Set the future value to 0 T zero. -~FV 000 Calculate the present @ v value. PV= 14655892 Calculate the down payment. 32 s 180000 f v = 18-----PV= 3344108 Answer: You can borrow $146,558.92 in total...
EL-738 Operation Manual
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... financial variables are shown on the display. Discounted Cash Flow Analysis Analyze unequal cash flows and calculate the net present value (NPV) and the internal rate of up to 100 cash flow and/or statistical data items. A single cash flow... diagram. $7,000 $9,000 $5,000 $5,000 $8,000 -$25,000 37 sible to the following format: Single cash flows Cash flow value J Repeated cash flows Cash flow value > frequency value J Notes: • Before entering data, press > . b to clear any previously entered cash flow data. • Press , to ...
... financial variables are shown on the display. Discounted Cash Flow Analysis Analyze unequal cash flows and calculate the net present value (NPV) and the internal rate of up to 100 cash flow and/or statistical data items. A single cash flow... diagram. $7,000 $9,000 $5,000 $5,000 $8,000 -$25,000 37 sible to the following format: Single cash flows Cash flow value J Repeated cash flows Cash flow value > frequency value J Notes: • Before entering data, press > . b to clear any previously entered cash flow data. • Press , to ...
EL-738 Operation Manual
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... D3= 600000 To confirm the corrections, press . Internal rate of return (IRR): The interest rate that gives a net present value of all cash flows, including cash paid out (outflows) and cash received (inflows). NPV and IRR...solves the following cash flow values: Net present value (NPV): The total present value of zero. Press s to clear the display. • Make sure the calculator is shared by a positive NPV value. CF D-= -3000000 Change the frequency i i i i CF N3= of return (IRR) Net present value (NPV) Default value 0 - • The variable ...
... D3= 600000 To confirm the corrections, press . Internal rate of return (IRR): The interest rate that gives a net present value of all cash flows, including cash paid out (outflows) and cash received (inflows). NPV and IRR...solves the following cash flow values: Net present value (NPV): The total present value of zero. Press s to clear the display. • Make sure the calculator is shared by a positive NPV value. CF D-= -3000000 Change the frequency i i i i CF N3= of return (IRR) Net present value (NPV) Default value 0 - • The variable ...
EL-738 Operation Manual
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Enter cash flow data. • Refer to exit and then press . Press . < to begin discounted cash flow analysis. • If a previously entered cash flow value is displayed, press s to page 37 for instructions on entering cash flow data. 3. 2.
Enter cash flow data. • Refer to exit and then press . Press . < to begin discounted cash flow analysis. • If a previously entered cash flow value is displayed, press s to page 37 for instructions on entering cash flow data. 3. 2.
EL-738 Operation Manual
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...64257;ve-year product life (from Year 4 to Year 8) are projected to be purchased at an IRR of 23.14%. 2 Calculating the present value of variable cash flows Your company has prepared forecasts for each of Year 3. b to the initial dis- Given a 12% discount... 4000 J Return to clear it. 2. Calculate IRR (RATE @ (I /Y)= 2314 Answer: The net present value of the cash flows equals zero at the end of the next three years (Years 1 to default values. The salvage value of the manufacturing equipment at the end of your company proceed with the product development...
...64257;ve-year product life (from Year 4 to Year 8) are projected to be purchased at an IRR of 23.14%. 2 Calculating the present value of variable cash flows Your company has prepared forecasts for each of Year 3. b to the initial dis- Given a 12% discount... 4000 J Return to clear it. 2. Calculate IRR (RATE @ (I /Y)= 2314 Answer: The net present value of the cash flows equals zero at the end of the next three years (Years 1 to default values. The salvage value of the manufacturing equipment at the end of your company proceed with the product development...