EL-738 Operation Manual
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... Notations in This Manual Key operations are otherwise assigned. 4 Using the . followed by ) key and i followed by * key. -10 Notes: • The multiplication instruction "×" and alphabetic letter "X" are distinguished as follows: Key Display Multiplication instruction → x ×... menu items) unless values are described in orange above the key require . to be pressed first before the key. ባ Number entry examples are shown with ordinary numbers (i.e., "100" will be indicated instead of " 1 0 0"). ቤ To specify a memory function (printed in green on/above...
... Notations in This Manual Key operations are otherwise assigned. 4 Using the . followed by ) key and i followed by * key. -10 Notes: • The multiplication instruction "×" and alphabetic letter "X" are distinguished as follows: Key Display Multiplication instruction → x ×... menu items) unless values are described in orange above the key require . to be pressed first before the key. ባ Number entry examples are shown with ordinary numbers (i.e., "100" will be indicated instead of " 1 0 0"). ቤ To specify a memory function (printed in green on/above...
EL-738 Operation Manual
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.... • The default setting is pressed, "DIG(0-9)?" Entering 0 will set a 10-digit display. • If a floating point number does not fit in the specified range, the calculator will blink), then pressing =, or • pressing the number key corresponding to the menu item number. • If ̆ or ̄ is selected. See the next...
.... • The default setting is pressed, "DIG(0-9)?" Entering 0 will set a 10-digit display. • If a floating point number does not fit in the specified range, the calculator will blink), then pressing =, or • pressing the number key corresponding to the menu item number. • If ̆ or ̄ is selected. See the next...
EL-738 Operation Manual
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...; RAD (rad) : ~ 1 1 • GRAD (g) : ~ 1 2 Selecting the depreciation method (see page 48) • SL (Straight-line method): ~ 2 0 (default setting) • SYD (Sum-of-the-years' digits method): ~ 2 1 • DB (Declining balance method): ~ 2 2 9 In each display setting, a number is automatically displayed in scientific notation The calculator has two settings for displaying a floating point...
...; RAD (rad) : ~ 1 1 • GRAD (g) : ~ 1 2 Selecting the depreciation method (see page 48) • SL (Straight-line method): ~ 2 0 (default setting) • SYD (Sum-of-the-years' digits method): ~ 2 1 • DB (Declining balance method): ~ 2 2 9 In each display setting, a number is automatically displayed in scientific notation The calculator has two settings for displaying a floating point...
EL-738 Operation Manual
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...: 11 Chapter 2 General Information Basic Calculations Entering numbers and arithmetic operations • Use the number keys 0 to 9, decimal point key ., and sign change key , to enter numbers into the calculator. Example Key operation 45 + 285 ÷ 3 = s 45 + 285 8 3 = 18 + 6 = 15 - 8 ( 18 + 6 ) 8 ( 15 - 8 = 42 x , 5 + 120 = 42 × (-5) + 120 = *1 (5 ,) *1 (5 × 103) ÷ (4 × 10-3) = 5 S 3 8 4 S , 3 = Result 14000 343 -9000...
...: 11 Chapter 2 General Information Basic Calculations Entering numbers and arithmetic operations • Use the number keys 0 to 9, decimal point key ., and sign change key , to enter numbers into the calculator. Example Key operation 45 + 285 ÷ 3 = s 45 + 285 8 3 = 18 + 6 = 15 - 8 ( 18 + 6 ) 8 ( 15 - 8 = 42 x , 5 + 120 = 42 × (-5) + 120 = *1 (5 ,) *1 (5 × 103) ÷ (4 × 10-3) = 5 S 3 8 4 S , 3 = Result 14000 343 -9000...
EL-738 Operation Manual
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...financial variables **34 flow data STAT *7 s . k 1 (RESET) RESET switch × *2 *5 *6 × × × × × *8 : Cleared or restored to their default settings. The same holds true for YEAR when you press O. *5 With one variable or value of a listed group (such as "COUPON (PMT)" used in bond calculations...variables sharing common memory with TVM variables, such as those used in STAT mode. Delete key To delete a number/function, move the cursor to the number/ function you are also cleared or restored to delete, then press L. k 0 (MEM) . b ...
...financial variables **34 flow data STAT *7 s . k 1 (RESET) RESET switch × *2 *5 *6 × × × × × *8 : Cleared or restored to their default settings. The same holds true for YEAR when you press O. *5 With one variable or value of a listed group (such as "COUPON (PMT)" used in bond calculations...variables sharing common memory with TVM variables, such as those used in STAT mode. Delete key To delete a number/function, move the cursor to the number/ function you are also cleared or restored to delete, then press L. k 0 (MEM) . b ...
EL-738 Operation Manual
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...insert, then make entries. • To insert a number in the insert mode, move the cursor. In the overwrite mode, data under the cursor will be overwritten as bond calculations, press i or z to select a number (the selected number will be retained until you enter. • This ...mode setting will blink), then press =. Insert and overwrite modes in memory, and restore the calculator's default settings. A triangular cursor indicates...
...insert, then make entries. • To insert a number in the insert mode, move the cursor. In the overwrite mode, data under the cursor will be overwritten as bond calculations, press i or z to select a number (the selected number will be retained until you enter. • This ...mode setting will blink), then press =. Insert and overwrite modes in memory, and restore the calculator's default settings. A triangular cursor indicates...
EL-738 Operation Manual
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...function. When an error occurs, pressing g or y automatically moves the cursor to insert . Edit the equation/number or press s to "3". Memory Calculations This calculator has 11 temporary memories (A-H and X-Z), one independent memory (M) and one last answer memory (ANS). It also ...has various variables for use in each mode for memory calculations Mode NORMAL STAT A-H, TVM Listed financial Statistical X-Z M ANS variables*1 variables*2 variables *3 × × × × : Available ×: Unavailable...
...function. When an error occurs, pressing g or y automatically moves the cursor to insert . Edit the equation/number or press s to "3". Memory Calculations This calculator has 11 temporary memories (A-H and X-Z), one independent memory (M) and one last answer memory (ANS). It also ...has various variables for use in each mode for memory calculations Mode NORMAL STAT A-H, TVM Listed financial Statistical X-Z M ANS variables*1 variables*2 variables *3 × × × × : Available ×: Unavailable...
EL-738 Operation Manual
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... points (quantity) using values stored in the TVM solver. Chapter 3 Financial Functions General Information Financial calculations The following financial functions are available. Amortization calculations: Calculate and create amortization schedules using fixed costs, variable costs per unit... rate) and EFF (effective interest rate). Day and date calculations: Calculate dates and the number of return). Cost/Sell/Margin/Markup calculations: Calculate cost, selling price and margin/markup. These include calculations for mortgages, loans, leases, savings, annuities and contracts or...
... points (quantity) using values stored in the TVM solver. Chapter 3 Financial Functions General Information Financial calculations The following financial functions are available. Amortization calculations: Calculate and create amortization schedules using fixed costs, variable costs per unit... rate) and EFF (effective interest rate). Day and date calculations: Calculate dates and the number of return). Cost/Sell/Margin/Markup calculations: Calculate cost, selling price and margin/markup. These include calculations for mortgages, loans, leases, savings, annuities and contracts or...
EL-738 Operation Manual
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...is in the TVM solver (see page 37). b. 2. Refer to page 19 for basic variable operations. 1. ". 22 These include calculations for details. w Number of Money) Solver Analyze equal and regular cash flows. ". Basic operations Refer to page 28 for mortgages, loans, leases,...64258;ow analysis can be done using . If you wish to clear the display. • Make sure the calculator is not displayed). An amortization schedule can be calculated using . Press s to clear all the data, press . Select ordinary annuity or annuity due using the information...
...is in the TVM solver (see page 37). b. 2. Refer to page 19 for basic variable operations. 1. ". 22 These include calculations for details. w Number of Money) Solver Analyze equal and regular cash flows. ". Basic operations Refer to page 28 for mortgages, loans, leases,...64258;ow analysis can be done using . If you wish to clear the display. • Make sure the calculator is not displayed). An amortization schedule can be calculated using . Press s to clear all the data, press . Select ordinary annuity or annuity due using the information...
EL-738 Operation Manual
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3. After entering values, press s to quit the P/Y and C/Y settings. • After setting P/Y (number of payments per year), you can use . < to C/Y as well. Enter values into P/Y or C/Y must be positive. w and then enter a value for P/Y. The same value is automatically assigned to enter N (total number of years and press . Values entered into TVM solver variables. • Enter a value and press the appropriate TVM variable key (N, f, v, u, T). • Press . Enter the number of payments).
3. After entering values, press s to quit the P/Y and C/Y settings. • After setting P/Y (number of payments per year), you can use . < to C/Y as well. Enter values into P/Y or C/Y must be positive. w and then enter a value for P/Y. The same value is automatically assigned to enter N (total number of years and press . Values entered into TVM solver variables. • Enter a value and press the appropriate TVM variable key (N, f, v, u, T). • Press . Enter the number of payments).
EL-738 Operation Manual
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...12 Q ments per year is automatically set (BGN is 7.17%. Confirm the number of pay- . Note: If you must re-enter values from the beginning. 24 C/Y= 1200 Quit the P/Y and C/Y s settings. 000 Calculate the total num- 20 . < N ber of compounding periods per year to default ...values. After pressing the TVM variable key, you make a mistake, press L to erase the number and enter the correct number to the same value as P/Y. ANS~N 24000 Enter ...
...12 Q ments per year is automatically set (BGN is 7.17%. Confirm the number of pay- . Note: If you must re-enter values from the beginning. 24 C/Y= 1200 Quit the P/Y and C/Y s settings. 000 Calculate the total num- 20 . < N ber of compounding periods per year to default ...values. After pressing the TVM variable key, you make a mistake, press L to erase the number and enter the correct number to the same value as P/Y. ANS~N 24000 Enter ...
EL-738 Operation Manual
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...years = 80 Procedure Set all the variables to 4. . w 4 Q Confirm the number of payments and store in N. Calculate the total 20 . < N number of i compounding periods per year to default values. 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 = 0 ...... 2 Calculating basic loan payments Calculate the quarterly payment for a $56,000 mortgage loan at 6.5% compounded quarterly during its 20-year amortization period. Set the number of payments per year. Key operation . Enter the present value...
...years = 80 Procedure Set all the variables to 4. . w 4 Q Confirm the number of payments and store in N. Calculate the total 20 . < N number of i compounding periods per year to default values. 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 = 0 ...... 2 Calculating basic loan payments Calculate the quarterly payment for a $56,000 mortgage loan at 6.5% compounded quarterly during its 20-year amortization period. Set the number of payments per year. Key operation . Enter the present value...
EL-738 Operation Manual
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w 12 Q ments per year to 4. Set the number of payments and store in N. Quit the P/Y and C/Y s settings. Calculate the total num- 3 . < N ber of com- PMT = -$200 PMT = -$200 N = 12 × 3 years = 36 Procedure Set all the variables to 12. i 4 Q pounding periods per year ... will have at the end of period if you have $7,922.19 at the end of the three-year period. 26 What amount will pay - . 3 Calculating future value You will you continue with the plan? FV = ? Key operation . b Display 000 Make sure ordinary annuity is set (BGN is not displayed). Set...
w 12 Q ments per year to 4. Set the number of payments and store in N. Quit the P/Y and C/Y s settings. Calculate the total num- 3 . < N ber of com- PMT = -$200 PMT = -$200 N = 12 × 3 years = 36 Procedure Set all the variables to 12. i 4 Q pounding periods per year ... will have at the end of period if you have $7,922.19 at the end of the three-year period. 26 What amount will pay - . 3 Calculating future value You will you continue with the plan? FV = ? Key operation . b Display 000 Make sure ordinary annuity is set (BGN is not displayed). Set...
EL-738 Operation Manual
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... all the variables to default values. Key operation . P/Y= 100 The number of money should deposit $3,768.89 now. 27 w 1 Q ments per year is not displayed). 4 Calculating present value You open an account that earns 5% compounded annually. FV = $10,000 PV = ? Press s to have $10,000 twenty years from now, what amount of compounding periods...
... all the variables to default values. Key operation . P/Y= 100 The number of money should deposit $3,768.89 now. 27 w 1 Q ments per year is not displayed). 4 Calculating present value You open an account that earns 5% compounded annually. FV = $10,000 PV = ? Press s to have $10,000 twenty years from now, what amount of compounding periods...
EL-738 Operation Manual
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... to exit the P/Y and C/Y settings. 28 At the end of each payment period. Set the number of each month, a fixed amount will earn 3.6% interest compounded monthly? Press s to loan calculations, etc. PMT = ? w 12 Q ments per year is automatically set (BGN is received at...the monthly investment be invested in a money market savings account with an investment dealer. ". BGN is the default setting for financial calculations. Note: The above selection only affects the TVM solver. 1 Ordinary annuity Your company wishes to accumulate a fund of an asset. ...
... to exit the P/Y and C/Y settings. 28 At the end of each payment period. Set the number of each month, a fixed amount will earn 3.6% interest compounded monthly? Press s to loan calculations, etc. PMT = ? w 12 Q ments per year is automatically set (BGN is received at...the monthly investment be invested in a money market savings account with an investment dealer. ". BGN is the default setting for financial calculations. Note: The above selection only affects the TVM solver. 1 Ordinary annuity Your company wishes to accumulate a fund of an asset. ...
EL-738 Operation Manual
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... 7.2%, compounded monthly, to purchase the computer? P/Y= 1200 29 PV = $2,995 FV = $2,995 × 10% = $299.5 PMT = -$145 ...... " 000 Set the number of the retail price. N = 24 I /Y 360 Calculate payment. @ u PMT= -1624570 Answer: The monthly investment should be $16,245.70. 2 Annuity due Your...values. b Display 000 Set to obtain a computer system with a value of $2,995. Key operation . 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. -~...
... 7.2%, compounded monthly, to purchase the computer? P/Y= 1200 29 PV = $2,995 FV = $2,995 × 10% = $299.5 PMT = -$145 ...... " 000 Set the number of the retail price. N = 24 I /Y 360 Calculate payment. @ u PMT= -1624570 Answer: The monthly investment should be $16,245.70. 2 Annuity due Your...values. b Display 000 Set to obtain a computer system with a value of $2,995. Key operation . 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. -~...
EL-738 Operation Manual
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...company charge for the machine? PV = ? Enter the total number s 24 N 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%... ...... Press s to purchase one. 3 Calculating the present value of 18%, compounded monthly, ...
...company charge for the machine? PV = ? Enter the total number s 24 N 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%... ...... Press s to purchase one. 3 Calculating the present value of 18%, compounded monthly, ...
EL-738 Operation Manual
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... to buy a house for the machine. 4 Calculating down payment? PV = ? w 12 Q ments per year is displayed). . Press s to 12. How much can afford a monthly payment of payments. 34~N 3400 Enter payment. , 200 u (-2--)~PMT -20000 Enter the annual inter- 18 f est rate. 18~I /Y = 5.5% ...... P/Y= 1200 The number of pay- . The finance company charges...
... to buy a house for the machine. 4 Calculating down payment? PV = ? w 12 Q ments per year is displayed). . Press s to 12. How much can afford a monthly payment of payments. 34~N 3400 Enter payment. , 200 u (-2--)~PMT -20000 Enter the annual inter- 18 f est rate. 18~I /Y = 5.5% ...... P/Y= 1200 The number of pay- . The finance company charges...
EL-738 Operation Manual
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... operation . b Display 000 Make sure ordinary annuity is set to 12. Press s to 0 T zero. -~FV 000 Calculate the present @ v value. Set the number of payments. Enter the total number s 25 . < of pay- . The price of compounding periods per year to default values. N ANS~N 30000 Enter ... annual inter- 5.5 f est rate. 5.5~I/Y 550 Set the future value to exit the P/Y and C/Y settings. P/Y= 1200 The number of the house is not displayed). PV= 14655892 Calculate the down payment. 32 present value = $180,000 - $146,558.92 You need $33,441.08 for a down payment...
... operation . b Display 000 Make sure ordinary annuity is set to 12. Press s to 0 T zero. -~FV 000 Calculate the present @ v value. Set the number of payments. Enter the total number s 25 . < of pay- . The price of compounding periods per year to default values. N ANS~N 30000 Enter ... annual inter- 5.5 f est rate. 5.5~I/Y 550 Set the future value to exit the P/Y and C/Y settings. P/Y= 1200 The number of the house is not displayed). PV= 14655892 Calculate the down payment. 32 present value = $180,000 - $146,558.92 You need $33,441.08 for a down payment...
EL-738 Operation Manual
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... flow data. Confirming and editing data Confirming data Press > to "0.00," is dependent on calculator display notation settings. Cash flow identifier CF D-= -2500000 Frequency identifier CF N-= 100 Data set number Cash flow value Data set number Frequency value 38 Procedure Key operation Display Bring up the initial dis-
... flow data. Confirming and editing data Confirming data Press > to "0.00," is dependent on calculator display notation settings. Cash flow identifier CF D-= -2500000 Frequency identifier CF N-= 100 Data set number Cash flow value Data set number Frequency value 38 Procedure Key operation Display Bring up the initial dis-