EL-738 Operation Manual
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... months with 30 days). BGN : Indicates that i, g or f has been pressed, and storing or recalling memory values or TVM solvers/statistics variables can be performed. is not displayed, calculations are shown in the SET UP menu. 7...TAB / SCI: Indicates the notation used to scroll up/down. 2ndF : Appears when . When BGN is pressed, indicating that a value can be changed in the screen examples of each interval) calculations. Press g / y to the displayed variable using @. It can be ... not displayed, date calculations use , not all symbols are present above/below the screen.
... months with 30 days). BGN : Indicates that i, g or f has been pressed, and storing or recalling memory values or TVM solvers/statistics variables can be performed. is not displayed, calculations are shown in the SET UP menu. 7...TAB / SCI: Indicates the notation used to scroll up/down. 2ndF : Appears when . When BGN is pressed, indicating that a value can be changed in the screen examples of each interval) calculations. Press g / y to the displayed variable using @. It can be ... not displayed, date calculations use , not all symbols are present above/below the screen.
EL-738 Operation Manual
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... Functions General Information Financial calculations The following financial functions are available. Breakeven calculations: Calculate breakeven points (quantity) using values stored in the TVM solver. Bond calculations: Solve bond prices or yields to perform financial calculations. Day and date... investments with accrued interest. Discounted cash flow analysis: Analyze unequal cash flows and calculate NPV (net present value) and IRR (internal rate of days between APR (annual, or nominal percentage rate) and EFF (effective interest rate). Depreciation ...
... Functions General Information Financial calculations The following financial functions are available. Breakeven calculations: Calculate breakeven points (quantity) using values stored in the TVM solver. Bond calculations: Solve bond prices or yields to perform financial calculations. Day and date... investments with accrued interest. Discounted cash flow analysis: Analyze unequal cash flows and calculate NPV (net present value) and IRR (internal rate of days between APR (annual, or nominal percentage rate) and EFF (effective interest rate). Depreciation ...
EL-738 Operation Manual
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...uses the following cash flow diagrams to know the compounding period of cash movement (inflow and outflow) with time. Present Inflow (+) value (PV) Cash flow Outflow (-) Time Payment (PMT) ...... The amount of the account during that month, including interest added in flows ...loan or investment before starting, because the whole calculation is based on it is specified or assumed (usually monthly). Future value (FV) 21 For example, money deposited in financial calculations (compound interest). Interest earns interest, which is why it .
...uses the following cash flow diagrams to know the compounding period of cash movement (inflow and outflow) with time. Present Inflow (+) value (PV) Cash flow Outflow (-) Time Payment (PMT) ...... The amount of the account during that month, including interest added in flows ...loan or investment before starting, because the whole calculation is based on it is specified or assumed (usually monthly). Future value (FV) 21 For example, money deposited in financial calculations (compound interest). Interest earns interest, which is why it .
EL-738 Operation Manual
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... details. These include calculations for basic variable operations. 1. Variables used in the TVM solver Variable Corresponding variable key Description Default value N N Total number of payments per year 0 PV v Present value 0 PMT u Payment 0 FV T Future value 0 P/Y . Note: Discounted cash flow analysis can be done using . ". An amortization schedule can be calculated using the information...
... details. These include calculations for basic variable operations. 1. Variables used in the TVM solver Variable Corresponding variable key Description Default value N N Total number of payments per year 0 PV v Present value 0 PMT u Payment 0 FV T Future value 0 P/Y . Note: Discounted cash flow analysis can be done using . ". An amortization schedule can be calculated using the information...
EL-738 Operation Manual
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...in N. P/Y= 1200 The number of i compounding periods per year to default values. Note: If you must re-enter values from the beginning. 24 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... 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. C/Y= 1200 Quit the P/Y and C/Y s settings. 000 Calculate the total num- 20 . < N ber of pay- . Key operation .
...in N. P/Y= 1200 The number of i compounding periods per year to default values. Note: If you must re-enter values from the beginning. 24 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... 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. C/Y= 1200 Quit the P/Y and C/Y s settings. 000 Calculate the total num- 20 . < N ber of pay- . Key operation .
EL-738 Operation Manual
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...= -125586 Answer: The quarterly payments are $1,255.86. 25 s tings. 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 ...... Key operation ...Set the number of payments per year. w 4 Q Confirm the number of payments and store in N. PMT = ? Enter the present value. 56000 v Enter the future value. 0 T Enter the annual interest 6.5 f rate. N = 4 × 20 years = 80 Procedure Set all the variables to 4. ...
...= -125586 Answer: The quarterly payments are $1,255.86. 25 s tings. 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 ...... Key operation ...Set the number of payments per year. w 4 Q Confirm the number of payments and store in N. PMT = ? Enter the present value. 56000 v Enter the future value. 0 T Enter the annual interest 6.5 f rate. N = 4 × 20 years = 80 Procedure Set all the variables to 4. ...
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... end of each month for the next three years into a savings plan that earns 6.5% compounded quarterly. 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) ...... Enter the present value. 0 v Enter payment. , 200 u Enter the annual inter- 6.5 f est rate. Calculate the total num- 3 . < N ber of com- Set the number...
... end of each month for the next three years into a savings plan that earns 6.5% compounded quarterly. 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) ...... Enter the present value. 0 v Enter payment. , 200 u Enter the annual inter- 6.5 f est rate. Calculate the total num- 3 . < N ber of com- Set the number...
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... open an account that earns 5% compounded annually. Set the number of compounding periods per year to 1. Press s to default values. N = 20 years I /Y 500 Calculate the present @ v value. P/Y= 100 The number of pay- . Enter the total number s 20 N of money should deposit $3,768.89 now. 27 ... to 1. PV= -376889 Answer: You should you wish to have $10,000 twenty years from now, what amount of payments. 2-~N 2000 Enter the future value. 10000 T 1----~FV 1000000 Set payment to zero. 0 u -~PMT 000 Enter the annual inter- 5 f est rate. 5~I /Y = 5% Procedure Set...
... open an account that earns 5% compounded annually. Set the number of compounding periods per year to 1. Press s to default values. N = 20 years I /Y 500 Calculate the present @ v value. P/Y= 100 The number of pay- . Enter the total number s 20 N of money should deposit $3,768.89 now. 27 ... to 1. PV= -376889 Answer: You should you wish to have $10,000 twenty years from now, what amount of payments. 2-~N 2000 Enter the future value. 10000 T 1----~FV 1000000 Set payment to zero. 0 u -~PMT 000 Enter the annual inter- 5 f est rate. 5~I /Y = 5% Procedure Set...
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... 360 Calculate payment. @ u PMT= -1624570 Answer: The monthly investment should be $16,245.70. 2 Annuity due Your company wishes to default values. At the end of the lease, the system may be purchased for 24 months at the beginning of each month. PV = $2,995 FV = $2,...the retail price. P/Y= 1200 29 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 ...
... 360 Calculate payment. @ u PMT= -1624570 Answer: The monthly investment should be $16,245.70. 2 Annuity due Your company wishes to default values. At the end of the lease, the system may be purchased for 24 months at the beginning of each month. PV = $2,995 FV = $2,...the retail price. P/Y= 1200 29 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 ...
EL-738 Operation Manual
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...rate on a two-year loan, so it would be more cost-effective to lease a computer system 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 18%, compounded monthly, how much should your company. ...;ve-year lease with payments of $200 at an annual interest rate 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% ...... N = 34 FV = -$1,...
...rate on a two-year loan, so it would be more cost-effective to lease a computer system 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 18%, compounded monthly, how much should your company. ...;ve-year lease with payments of $200 at an annual interest rate 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% ...... N = 34 FV = -$1,...
EL-738 Operation Manual
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... displayed). . If you can afford a monthly payment of compounding periods per year to . PV = ? P/Y= 1200 The number of $900, how much do you borrow? b default values. 000 Set to annuity due (BGN is automatically set to 12. " 000 Set the number of payments. 34~N 3400 Enter payment. , 200 u (-2--)~PMT -20000 Enter... charged for $180,000. Press s to buy a house for the machine. 4 Calculating down payment? Enter the total number s 34 N of pay- . I /Y 1800 Enter the future value. , 1500 T (-15--)~FV -150000 Calculate the present @ v value.
... displayed). . If you can afford a monthly payment of compounding periods per year to . PV = ? P/Y= 1200 The number of $900, how much do you borrow? b default values. 000 Set to annuity due (BGN is automatically set to 12. " 000 Set the number of payments. 34~N 3400 Enter payment. , 200 u (-2--)~PMT -20000 Enter... charged for $180,000. Press s to buy a house for the machine. 4 Calculating down payment? Enter the total number s 34 N of pay- . I /Y 1800 Enter the future value. , 1500 T (-15--)~FV -150000 Calculate the present @ v value.
EL-738 Operation Manual
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...operation . Procedure Set all the variables to exit the P/Y and C/Y settings. Set the number of payments. Enter the total number s 25 . < of pay- . present value = $180,000 - $146,558.92 You need $33,441.08 for a down payment. s 180000 f v = 18-----PV= 3344108 Answer: You can borrow...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 12. w 12 Q ments per year is automatically set (BGN is $180,000, so: Down payment = $180,000 - The price of compounding ...
...operation . Procedure Set all the variables to exit the P/Y and C/Y settings. Set the number of payments. Enter the total number s 25 . < of pay- . present value = $180,000 - $146,558.92 You need $33,441.08 for a down payment. s 180000 f v = 18-----PV= 3344108 Answer: You can borrow...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 12. w 12 Q ments per year is automatically set (BGN is $180,000, so: Down payment = $180,000 - The price of compounding ...
EL-738 Operation Manual
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...;ow data when listed 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 enter a negative cash flow (outflow). • Make sure the calculator is...as one data item at a time, in NORMAL mode. 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 > . Entering cash flow data To find NPV and IRR using ...
...;ow data when listed 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 enter a negative cash flow (outflow). • Make sure the calculator is...as one data item at a time, in NORMAL mode. 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 > . Entering cash flow data To find NPV and IRR using ...
EL-738 Operation Manual
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Procedure Key operation Display Change the first cash , 30000 J flow value from 2 to 1. Internal rate of return (IRR): The interest rate that gives a net present value of 5000 from -25,000 to browse through each data item. i i i 1 J 100 Add a new data set...frequency i i i i CF N3= of zero. NPV and IRR The calculator solves the following cash flow values: Net present value (NPV): The total present value of return (IRR) Net present value (NPV) Default value 0 - • The variable RATE (I/Y) is in NORMAL mode. 40 Basic operations Refer to clear the display....
Procedure Key operation Display Change the first cash , 30000 J flow value from 2 to 1. Internal rate of return (IRR): The interest rate that gives a net present value of 5000 from -25,000 to browse through each data item. i i i 1 J 100 Add a new data set...frequency i i i i CF N3= of zero. NPV and IRR The calculator solves the following cash flow values: Net present value (NPV): The total present value of return (IRR) Net present value (NPV) Default value 0 - • The variable RATE (I/Y) is in NORMAL mode. 40 Basic operations Refer to clear the display....
EL-738 Operation Manual
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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. Enter cash flow data. • Refer to exit and then press .
EL-738 Operation Manual
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... be $80,000. Calculate IRR. Calculate IRR (RATE @ (I /Y)= 2314 Answer: The net present value of the cash flows equals zero at an IRR of 23.14%. 2 Calculating the present value of variable cash flows Your company has prepared forecasts for the development costs and operating profi...;ts of the next generation of Year 3. Procedure Enter cash flow data. s play in NORMAL mode. The salvage value of the manufacturing ...
... be $80,000. Calculate IRR. Calculate IRR (RATE @ (I /Y)= 2314 Answer: The net present value of the cash flows equals zero at an IRR of 23.14%. 2 Calculating the present value of variable cash flows Your company has prepared forecasts for the development costs and operating profi...;ts of the next generation of Year 3. Procedure Enter cash flow data. s play in NORMAL mode. The salvage value of the manufacturing ...