HP 12C User Manual page 6

6 Contents
Percent of Total in ALG Mode ................................................. 36
Calendar Functions ...................................................................... 37
Date Format ......................................................................... 37
Future or Past Dates............................................................... 38
Number of Days Between Dates ............................................. 40
Section 3: Basic Financial Functions ....................................41
The Financial Registers ................................................................. 41
Storing Numbers into the Financial Registers ............................ 41
Displaying Numbers in the Financial Registers .......................... 41
Clearing the Financial Registers .............................................. 42
Simple Interest Calculations........................................................... 42
Financial Calculations and the Cash Flow Diagram.......................... 44
The Cash Flow Sign Convention.............................................. 46
The Payment Mode ............................................................... 46
Generalized Cash Flow Diagrams ........................................... 47
Compound Interest Calculations..................................................... 49
Specifying the Number of Compounding Periods and the Periodic
Interest Rate ......................................................................... 49
Calculating the Number of Payments or Compounding Periods ... 49
Calculating the Periodic and Annual Interest Rates..................... 55
Calculating the Present Value ................................................. 56
Calculating the Payment Amount ............................................. 58
Calculating the Future Value ................................................... 60
Odd-Period Calculations ........................................................ 63
Amortization ............................................................................... 69
Section 4: Additional Financial Functions............................. 72
Discounted Cash Flow Analysis: NPV and IRR ................................. 72
Calculating Net Present Value (NPV) ....................................... 73
Calculating Internal Rate of Return (IRR) ................................... 78
Reviewing Cash Flow Entries................................................... 79
Changing Cash Flow Entries................................................... 80
Bond Calculations ....................................................................... 82
Bond Price ........................................................................... 82
Bond Yield ........................................................................... 83
Depreciation Calculations ............................................................. 84
Section 5: Additional Operating Features ............................86
Continuous Memory..................................................................... 86
The Display................................................................................. 87
File name: hp 12c pt_user's guide_English_HDPMF123E27
Printed Date: 2005/8/1
Page: 6 of 275
Dimension: 14.8 cm x 21 cm