Hewlett-Packard Company shall not be liable for any errors or for incidental or conse- quential damages in connection with the furnishing, performance, or use of this man- ual or the examples contained herein.
Table of Contents Welcome to your HP 12c Financial Calculator ......1 The Keys................1 Customizing the Calculator ............2 Storage Registers and Continuous Memory ........ 7 Reverse Polish Notation (RPN) Mode......... 7 Keys and Functions ............... 10 Basic Financial Calculation Example ........18 Warranty and Contact Information .........
Getting Started Welcome to your HP 12c Financial Calculator This booklet is intended to get you started quickly with the basic features of your 12c Financial Calculator. Use it for quick reference. For more detailed information about the 12c Financial Calculator, refer to the HP 12c Financial Calculator User’s Guide.
• To specify the primary function printed on the upperface of a key, press the key alone. • To specify the alternate function printed in gold above a key, press the gold prefix key , then press the function key. •...
are included for reference. Refer to these pages of the user’s guide for more information. Table 1- 1 Basic Functions Functions Display/Description Turn calculator on/off (page 16). Turns calculator on. Pressing again turns the calculator off. The calculator turns off automatically 8 to 17 minutes after it was last used.
Table 1- 1 Basic Functions Functions Display/Description Digit separator (page 17). 1. The default separator is a comma (see above). 2. Turn the calculator off first by pressing 3. Press and hold and then press and release to change the digit separator from a comma to a point.
Table 1- 1 Basic Functions Functions Display/Description Calendar format. Month- day-year (M.DY) or day- Press to set the date format. month-year The default setting is M.DY. The screen above shows (D.MY) December 3, 2010 in M.DY format. (pages 29-31, 175, and 187). 1.
Table 1- 1 Basic Functions Functions Display/Description Compound interest (pages 39-53, 186). Press followed by dates separated by to specify the compound interest option for odd- period calculations of interest (i), Present Value (PV), Payment (PMT), and Future Value (FV). Note the “C” indicator appears.
Storage Registers and Continuous Memory Numbers (data) are stored in memories called “registers.” Special regis- ters are used for storing numbers during calculations, the “stack” regis- ters, and the “Last X” register, which is used for storing the last number in the display before operations are performed in RPN mode.
The result, 3.00, is calculated and displayed immediately. There are four special registers used for storing numbers during calcula- tions, which are stacked on top of one another. Called “the stack,” these registers are designated X,Y, Z, and T. X is on the bottom, and T is on the top.
Table 1-2 RPN Example Keys Display/Description Enters numbers and operation from the first set of parentheses. The sum, 7, is displayed and stored in the X-register. 5R6; Enters the numbers and operation from the second set of parentheses. The sum, 1 1, is stored in the X- register and displayed, and 7 moves up to the Y- register.
Keys used to rearrange the stack: • Pressing the key exchanges the numbers in the X-and Y-registers (pages 74 and 172) • Pressing the key performs a roll down of the stack, where each number in the registers is copied into the register below, and the number formerly in the X-register is copied into the T-register (page 172)
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Changes sign of number or exponent displayed in the X-register (page 17). Change sign For very large or very small numbers. Enter the mantissa. After pressing, , the next numbers keyed in are exponents of 10 (page 18).
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide PREFIX After , or , cancels that key (page 17). Cancel Press and key in the register number (0-9 for registers R 0-9 for registers R. ) to Store store displayed number in a specified storage...
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Key in start date and press . Key in the number of days from entered date (if date is in the past, Calculates date press ). Press .
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Calculates factorial of number displayed in the X- register (page 83). Factorial Natural antilogarithm. Raise e to power of the number displayed in the X-register (page 83). Calculates natural logarithm (base e) of the number in the displayed X-register (page 83).
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Calculates simple interest (page 33). Simple interest Stores or calculates number of compounding periods in financial problems (page 35). Compounding periods Multiplies a number in displayed X-register by 12 and stores the value in the i-register (page 39).
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Stores or calculates the future value (final cash flow) of a financial problem (pages 32, 36). Future value Amortizes x number of periods using values stored AMORT , and the display.
Table 1-3 Keys and Functions Key(s) Description and Page Number in the User’s Guide Calculates depreciation using straight-line method (page 68). Depreciation PRICE Calculates bond price, given desired yield to maturity (page 67). Bond price Calculates yield to maturity, given bond price (page 67).
Basic Financial Calculation Example Table 1-4 illustrates how easily you can perform financial calculations using the HP 12c Financial Calculator. For more examples and informa- tion on financial problems, including cash flows and using cash flow diagrams, refer to section three of the HP 12c Financial Calculator User’s Guide, titled, Basic Financial Functions.
Keys Display/Description Enters the annual interest rate in terms of the basic compounding period (6.9% divided by 12 months per year). Enters the number of monthly compounding periods (n) for a 30-year loan (12 payments per year x 30). Enters the present value of the loan. Enters the future value of the loan after is has been paid off (0.00).
Keys Display/Description Calculates monthly payment amount. Note the sign is negative; it is money you pay out. Warranty and Contact Information Replacing the Batteries The calculator uses two, 3 Volt CR2032 Lithium batteries. The low battery symbol (*) appears when battery power is nearly exhausted. Use only fresh batteries when replacing the battery.
sive description of your limited warranty entitlements. In addition, you may also have other legal rights under applicable local law or special written agreement with HP. Limited Hardware Warranty Period Duration: 12 months total (may vary by region, please visit www.hp.com/support for latest information).
plied by HP, (c) unauthorized modification or misuse, (d) operation outside of the published environmental specifications for the product, or (e) improper site prepa- ration or maintenance. HP MAKES NO OTHER EXPRESS WARRANTY OR CONDITION WHETHER WRIT- TEN OR ORAL. TO THE EXTENT ALLOWED BY LOCAL LAW, ANY IMPLIED WAR- RANTY OR CONDITION OF MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE IS LIMITED TO THE DURATION OF THE EXPRESS WARRANTY SET FORTH ABOVE.
Customer Care In addition to the one year hardware warranty your HP calculator also comes with one year of technical support. If you need assistance, HP customer care can be reached by either email or telephone. Before calling please locate the call center nearest you from the list below.
Modifications The FCC requires the user to be notified that any changes or modifications made to this device that are not expressly approved by Hewlett-Packard Company may void the user’s authority to operate the equipment. Declaration of Conformity for products Marked with FCC Logo, United States Only This device complies with Part 15 of the FCC Rules.
• Compliance with these directives implies conformity to applicable harmonized European standards (European Norms) which are listed on the EU Declaration of Conformity issued by Hewlett-Packard for this product or product family. This compliance is indicated by the following conformity marking placed on the...
This marking is valid for EU non- products and EU harmonized Telecom harmonized Telecom products. *Notified products (e.g. Bluetooth). body number (used only if applicable- refer to the product label). Hewlett-Packard GmbH, HQ-TRE, Herrenberger Srasse 140, 71034 Boeblingen, Germany Japanese Notice Korean Notice 30 Getting Started...
Disposal of Waste Equipment by Users in Private Household in the European Union This symbol on the product or on its packaging indicates that this product just not be disposed of with your other household waste. Instead, it is your responsibility to dispose of your waste equipment by handing it over to a designated collection point for the recycling of waste electrical and electronic equipment.