User Manual
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... Calculator Operations 1 Turning On the Calculator 1 Turning Off the Calculator 1 Selecting 2nd Functions 2 Reading the Display 2 Setting Calculator Formats 4 Resetting the Calculator 6 Clearing Calculator Entries and Memories 6 Correcting Entry Errors 7 Math Operations 8 Memory Operations 12 Calculations Using Constants 13 Last Answer Feature 14 Using Worksheets: Tools for Financial Solutions 15 2 Time-Value-of-Money and Amortization Worksheets...21 TVM...
... Calculator Operations 1 Turning On the Calculator 1 Turning Off the Calculator 1 Selecting 2nd Functions 2 Reading the Display 2 Setting Calculator Formats 4 Resetting the Calculator 6 Clearing Calculator Entries and Memories 6 Correcting Entry Errors 7 Math Operations 8 Memory Operations 12 Calculations Using Constants 13 Last Answer Feature 14 Using Worksheets: Tools for Financial Solutions 15 2 Time-Value-of-Money and Amortization Worksheets...21 TVM...
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...display the previous or next variable in radians. RAD Angle values appear in the worksheet. The displayed value is assigned the displayed value. - BGN TVM calculations use end-of the displayed variable. # $ Press " or # to select its second function. When a value changes and invalidates a computed... RAD is not displayed, angle values appear and must be entered in degrees. The displayed value is not displayed, TVM calculations use beginning-of variables, press and hold # or ". The indicators along the top of the display tell you which keys ...
...display the previous or next variable in radians. RAD Angle values appear in the worksheet. The displayed value is assigned the displayed value. - BGN TVM calculations use end-of the displayed variable. # $ Press " or # to select its second function. When a value changes and invalidates a computed... RAD is not displayed, angle values appear and must be entered in degrees. The displayed value is not displayed, TVM calculations use beginning-of variables, press and hold # or ". The indicators along the top of the display tell you which keys ...
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... settings and reset default values & | & z • Out of the prompted worksheet and return to calculate 3 Q 1234.56 but not completed P P TVM worksheet variables and reset default values & U & ^ One of Calculator Operations 7 N 1,234.56 3,703.68 Overview of the 10 memories (without affecting the others) Q D and a memory number key (0-9) Correcting Entry Errors You can...
... settings and reset default values & | & z • Out of the prompted worksheet and return to calculate 3 Q 1234.56 but not completed P P TVM worksheet variables and reset default values & U & ^ One of Calculator Operations 7 N 1,234.56 3,703.68 Overview of the 10 memories (without affecting the others) Q D and a memory number key (0-9) Correcting Entry Errors You can...
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.... When you ask what if questions and compare results. Each worksheet is independent of Calculator Operations 15 Except for TVM variables, accessed in other worksheets. To select Function Press TVM worksheet (Chapter 2) Analyzes equal cash flows, for Financial Solutions The calculator contains worksheets with embedded formulas to solve specific problems. You apply settings or assign...
.... When you ask what if questions and compare results. Each worksheet is independent of Calculator Operations 15 Except for TVM variables, accessed in other worksheets. To select Function Press TVM worksheet (Chapter 2) Analyzes equal cash flows, for Financial Solutions The calculator contains worksheets with embedded formulas to solve specific problems. You apply settings or assign...
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..., price, profit, and quantity Memory worksheet (Chapter 7) Accesses storage area for up to & { 10 values Accessing the TVM Worksheet Variables • To assign values to calculate TVM values or clear the TVM worksheet. 16 Overview of Calculator Operations To select Function Press Statistics worksheet (Chapter 6) Analyzes statistics on page 22.) Note: You can assign values...
..., price, profit, and quantity Memory worksheet (Chapter 7) Accesses storage area for up to & { 10 values Accessing the TVM Worksheet Variables • To assign values to calculate TVM values or clear the TVM worksheet. 16 Overview of Calculator Operations To select Function Press Statistics worksheet (Chapter 6) Analyzes statistics on page 22.) Note: You can assign values...
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... worksheet, and then press # or " to select the amortization variables (P1, P2, BAL, PRN, INT).(See "TVM and Amortization Worksheet Variables" on page 2.) To return to the standard-calculator mode, press & U. For example, the i# $ indicators remind you press !, the indicator confirms that the...the Display" on page 22.) Indicators prompt you access a worksheet, press # or " to select variables. When you to press ! The calculator computes and displays the value based on the values of Worksheet Variables • Enter-only • Compute-only • Automatic-compute •...
... worksheet, and then press # or " to select the amortization variables (P1, P2, BAL, PRN, INT).(See "TVM and Amortization Worksheet Variables" on page 2.) To return to the standard-calculator mode, press & U. For example, the i# $ indicators remind you press !, the indicator confirms that the...the Display" on page 22.) Indicators prompt you access a worksheet, press # or " to select variables. When you to press ! The calculator computes and displays the value based on the values of Worksheet Variables • Enter-only • Compute-only • Automatic-compute •...
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...Variables When you to display an automatic-compute variable (for example, the Date worksheet ACT/360 variable). The calculator computes and displays the value based on the values of a TVM variable, press %, and then press the variable key. When you select variables with the ENTER and COMPUTE indicators... to assign values to these variables, you to press % to compute their values. • To assign the value of a TVM variable, key in the standard-calculator mode to compute a value for each setting. 18 Overview of a variable, press & V once for the variable. to assign the ...
...Variables When you to display an automatic-compute variable (for example, the Date worksheet ACT/360 variable). The calculator computes and displays the value based on the values of a TVM variable, press %, and then press the variable key. When you select variables with the ENTER and COMPUTE indicators... to assign values to these variables, you to press % to compute their values. • To assign the value of a TVM variable, key in the standard-calculator mode to compute a value for each setting. 18 Overview of a variable, press & V once for the variable. to assign the ...
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...Money and Amortization Worksheets Use the Time-Value-of -Money and Amortization Worksheets 21 Time-Value-of -Money (TVM) variables to generate an amortization schedule. • To access a TVM variable, press a TVM key or 0). • To access the prompted Amortization worksheet, press & \. For cash-flow problems ...with unequal cash flows, use the Cash Flow worksheet. (See "Cash Flow Worksheet" on page 41.) After solving a TVM problem, you can use the Amortization worksheet to solve problems with equal and regular cash flows that are either all inflows or all outflows...
...Money and Amortization Worksheets Use the Time-Value-of -Money and Amortization Worksheets 21 Time-Value-of -Money (TVM) variables to generate an amortization schedule. • To access a TVM variable, press a TVM key or 0). • To access the prompted Amortization worksheet, press & \. For cash-flow problems ...with unequal cash flows, use the Cash Flow worksheet. (See "Cash Flow Worksheet" on page 41.) After solving a TVM problem, you can use the Amortization worksheet to solve problems with equal and regular cash flows that are either all inflows or all outflows...
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... by the method of entry. (See "Types of Worksheet Variables" on page 17.) Using the TVM and Amortization Variables Because the calculator stores values assigned to the TVM variables until you clear or change them, you should not have to perform all steps each time you work a problem. ...8226; To assign a value to a TVM variable, key in a number and press a TVM key 0). • To change the number of...
... by the method of entry. (See "Types of Worksheet Variables" on page 17.) Using the TVM and Amortization Variables Because the calculator stores values assigned to the TVM variables until you clear or change them, you should not have to perform all steps each time you work a problem. ...8226; To assign a value to a TVM variable, key in a number and press a TVM key 0). • To change the number of...
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... Worksheet Variables • To reset all calculator variables and formats to default values (including TVM and amortization variables), press & } !: Variable N I/Y PV PMT FV P/Y C/Y Default 0 0 0 0 0 1 1 Variable END/BGN P1 P2 BAL PRN INT Default END 1 1 0 0 0 • To reset only the TVM variables (N, I /Y) and no payments,...to compute values for each variable (BAL, PRN, and INT). Clearing the Unused Variable For problems using only four of the five TVM variables, enter a value of zero for inflows (cash received). To change a negative value to determine the present value (PV) ...
... Worksheet Variables • To reset all calculator variables and formats to default values (including TVM and amortization variables), press & } !: Variable N I/Y PV PMT FV P/Y C/Y Default 0 0 0 0 0 1 1 Variable END/BGN P1 P2 BAL PRN INT Default END 1 1 0 0 0 • To reset only the TVM variables (N, I /Y) and no payments,...to compute values for each variable (BAL, PRN, and INT). Clearing the Unused Variable For problems using only four of the five TVM variables, enter a value of zero for inflows (cash received). To change a negative value to determine the present value (PV) ...
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...the end of each payment period. (This category includes most loans.) • Set BGN for annuities due, in either the standard calculator mode or a worksheet mode. The TVM worksheet automatically converts I /Y, PV, PMT, or FV) in which payments occur at the beginning of each payment period. (This ... for END payments.) Updating P1 and P2 To update P1 and P2 for any of the five TVM variables (N, I /Y to specify whether the transaction is selected. • In standard calculator mode, the calculator displays the variable label, the = sign, and the value entered or recalled. 24 Time-Value-...
...the end of each payment period. (This category includes most loans.) • Set BGN for annuities due, in either the standard calculator mode or a worksheet mode. The TVM worksheet automatically converts I /Y, PV, PMT, or FV) in which payments occur at the beginning of each payment period. (This ... for END payments.) Updating P1 and P2 To update P1 and P2 for any of the five TVM variables (N, I /Y to specify whether the transaction is selected. • In standard calculator mode, the calculator displays the variable label, the = sign, and the value entered or recalled. 24 Time-Value-...
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...multiply by the stored P/Y value. To compute a TVM value, press % and a TVM key in a value for P2 and press !. 5. The total number of -Money and Amortization Worksheets 25 Press #. • In worksheet modes the calculator displays only the value you enter or recall, ...either manually or automatically. Press & \. the principal • INT- To assign the displayed value to Calculate a Value for a TVM calculation, press ,. Entering Cash Inflows and Outflows The calculator treats cash received (inflows) as a positive value and cash invested (outflows) as a negative value. ...
...multiply by the stored P/Y value. To compute a TVM value, press % and a TVM key in a value for P2 and press !. 5. The total number of -Money and Amortization Worksheets 25 Press #. • In worksheet modes the calculator displays only the value you enter or recall, ...either manually or automatically. Press & \. the principal • INT- To assign the displayed value to Calculate a Value for a TVM calculation, press ,. Entering Cash Inflows and Outflows The calculator treats cash received (inflows) as a positive value and cash invested (outflows) as a negative value. ...
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... & \ P1= 0 1 ! P1= 1.00 # 9 ! Display 1st year amortization data. Set ending period to 21. Set payments per year to calculate the monthly payments on a 30-year loan and generate an amortization schedule for the first three years of the loan. Example: Computing Payments and Generating... an Amortization Schedule This example shows you how to use the TVM and Amortization worksheets to 12. & [ 12 ! Generating an Amortization Schedule Generate an amortization schedule for the first three years of...
... & \ P1= 0 1 ! P1= 1.00 # 9 ! Display 1st year amortization data. Set ending period to 21. Set payments per year to calculate the monthly payments on a 30-year loan and generate an amortization schedule for the first three years of the loan. Example: Computing Payments and Generating... an Amortization Schedule This example shows you how to use the TVM and Amortization worksheets to 12. & [ 12 ! Generating an Amortization Schedule Generate an amortization schedule for the first three years of...
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3 Cash Flow Worksheet Use the Cash Flow worksheet to solve problems with equal cash flows, use the TVM worksheet. (See "Time-Value-of-Money and Amortization Worksheets" on page 21.) • To access the Cash Flow worksheet and initial cash flow value (CFo), ...
3 Cash Flow Worksheet Use the Cash Flow worksheet to solve problems with equal cash flows, use the TVM worksheet. (See "Time-Value-of-Money and Amortization Worksheets" on page 21.) • To access the Cash Flow worksheet and initial cash flow value (CFo), ...
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... amount at the beginning of cash flows. # # 3 ! Select Cash Flow worksheet. & } ! ' RST CFo= 0.00 0.00 Enter first group of each month would result in the TVM worksheet does not affect the Cash Flow worksheet.
... amount at the beginning of cash flows. # # 3 ! Select Cash Flow worksheet. & } ! ' RST CFo= 0.00 0.00 Enter first group of each month would result in the TVM worksheet does not affect the Cash Flow worksheet.
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... December 31, 2049. • Depreciation worksheet: the value entered for P1 Out of range or P2 is outside the range 1-9,999. • TVM worksheet: the P/Y or C/Y value 0. • Cash Flow worksheet: the Fnn value is outside the range 0.5-9,999. • Bond...; Tried to compute LN of x when x is not > 0. • Tried to compute yx when y < 0 and x is zero. • Statistics worksheet: a calculation included X or Y values that are all the same. YR _ 0; Reference Information SAL < 0; Error 4 • Amortization worksheet: the value entered for : declining balance...
... December 31, 2049. • Depreciation worksheet: the value entered for P1 Out of range or P2 is outside the range 1-9,999. • TVM worksheet: the P/Y or C/Y value 0. • Cash Flow worksheet: the Fnn value is outside the range 0.5-9,999. • Bond...; Tried to compute LN of x when x is not > 0. • Tried to compute yx when y < 0 and x is zero. • Statistics worksheet: a calculation included X or Y values that are all the same. YR _ 0; Reference Information SAL < 0; Error 4 • Amortization worksheet: the value entered for : declining balance...
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...example, MM.DDYYYY instead of MM.DDYY. • Bond worksheet: the calculator attempted a calculation with multiple sign changes. Error Possible Causes Error 5 No solution exists • TVM worksheet: the calculator computed I/Y when FV, (N Q PMT), and PV all have the ... Appendix - The internal digits, or guard digits, increase the calculator's accuracy. Additional calculations use the internal value, not the value displayed. Error 7 • Iteration limit exceeded • • TVM worksheet: the calculator computed I /Y. • Amortization worksheet: $ was pressed to ...
...example, MM.DDYYYY instead of MM.DDYY. • Bond worksheet: the calculator attempted a calculation with multiple sign changes. Error Possible Causes Error 5 No solution exists • TVM worksheet: the calculator computed I/Y when FV, (N Q PMT), and PV all have the ... Appendix - The internal digits, or guard digits, increase the calculator's accuracy. Additional calculations use the internal value, not the value displayed. Error 7 • Iteration limit exceeded • • TVM worksheet: the calculator computed I /Y. • Amortization worksheet: $ was pressed to ...
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...back of the calculator. (See "Resetting the Calculator" on page 94.) If you have selected the correct the correct worksheet worksheet. digits do Select the worksheet again. adjust the setting for date format. Note: You can also perform a hard reset using the reset hole in the TVM worksheet, check END... and BGN and be sure the unused variable is set to local regulations. The calculator does not display Press & | to return it for service. The display is properly installed ...
...back of the calculator. (See "Resetting the Calculator" on page 94.) If you have selected the correct the correct worksheet worksheet. digits do Select the worksheet again. adjust the setting for date format. Note: You can also perform a hard reset using the reset hole in the TVM worksheet, check END... and BGN and be sure the unused variable is set to local regulations. The calculator does not display Press & | to return it for service. The display is properly installed ...
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... of observations) 63, 65 N (number of periods) 24 N (number of periods, TVM worksheet) 22 Negative (-) indicator 3 Net future value (NFV) 41 Net present value (..., 72 Number of periods (#PD), Percent Change/Compound Interest worksheet 70 Number of periods (N) 24 Number of periods (N), TVM worksheet 22 Number separators format 4 O OLD (old value) 70, 71, 72 Old value (OLD) 70, 71,... 72 One coupon per year (1/Y) 52, 53, 55 One-variable statistics (1-V) 63, 65 Outflows 21, 25 Overview of calculator operation 1- 19 P P (unit price) 78, 79 P/Y (payments per year) 22, 24, 25 P1 (starting payment) ...
... of observations) 63, 65 N (number of periods) 24 N (number of periods, TVM worksheet) 22 Negative (-) indicator 3 Net future value (NFV) 41 Net present value (..., 72 Number of periods (#PD), Percent Change/Compound Interest worksheet 70 Number of periods (N) 24 Number of periods (N), TVM worksheet 22 Number separators format 4 O OLD (old value) 70, 71, 72 Old value (OLD) 70, 71,... 72 One coupon per year (1/Y) 52, 53, 55 One-variable statistics (1-V) 63, 65 Outflows 21, 25 Overview of calculator operation 1- 19 P P (unit price) 78, 79 P/Y (payments per year) 22, 24, 25 P1 (starting payment) ...
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... a depreciation schedule 60 generating amortization schedules 25, 26 inserting cash flows 44 selecting a depreciation method 60 selecting a statistics calculation method 67 selecting bond settings 55 using the memory worksheet 80 Profit (PFT) 78, 79 Profit margin (MAR) 77 Profit... cash flow variables 42 date variables 75 depreciation variables 58 interest conversion variables 73 percent change/compound interest variables 70 statistics variables 64 TVM variables 23 Resetting calculator 6 hard reset 6 pressing keys 6 RI (reinvestment rate) 41 Rounding 10, 96 RV (redemption value) 52, 53, 54...
... a depreciation schedule 60 generating amortization schedules 25, 26 inserting cash flows 44 selecting a depreciation method 60 selecting a statistics calculation method 67 selecting bond settings 55 using the memory worksheet 80 Profit (PFT) 78, 79 Profit margin (MAR) 77 Profit... cash flow variables 42 date variables 75 depreciation variables 58 interest conversion variables 73 percent change/compound interest variables 70 statistics variables 64 TVM variables 23 Resetting calculator 6 hard reset 6 pressing keys 6 RI (reinvestment rate) 41 Rounding 10, 96 RV (redemption value) 52, 53, 54...