Financial calculator

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Also See for 10bII:

- Owner's manual (145 pages) ,
- User manual (145 pages) ,
- Quick start manual (7 pages)

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It is not necessary to reenter TVM values for each example. Using the

values from the previous page, how much can you borrow if you want

a payment of $100.00?

100FP

±

Enters new payment

amount. (Money paid out is

negative.)

$

Calculates amount you can

borrow.

How much can you borrow at a 9.5% interest rate?

9.5L

Enters new interest rate.

$

Calculates new present

value for $100.00 payment

and 9.5% interest.

10L

Reenters original interest

rate.

14000$

Reenters original present

value.

P

±

Calculates original

payment.

Find the annual effective interest rate of 10% nominal interest

compounded monthly.

10H&

Enters nominal rate.

12H¢

Enters payments per year.

Hx

Calculates annual effective interest.

H¢

Number of periods per year (default is 12).

J

Cash flows, up to 15 ( j is the cash flow number).

Ha

Number of consecutive times cash flow j occurs.

HW

Internal rate of return per year.

Hl

Net present value.

6HH H[DPSOH RQ SDJH

After calculating a payment using Time Value of Money (TVM), enter

the periods to amortize and press

H!

. Then press

=

to continually

cycle through the interest, principal, and balance values (indicated by

the

,

, and

annunciators respectively).

Using the TVM example from the previous page, amortize a single

payment and then a range of payments.

th

Amortize the 20

payment of the loan.

20N

Enters period to amortize.

H!

±

Displays period to

amortize.

=

±

Displays principal.

=

±

Displays interest. (Money

paid out is negative.)

=

Displays balance.

6HH H[DPSOH RQ SDJH

If you have an initial cash outflow of $40,000, followed by monthly

cash inflows of $4,700, $7,000, $7,000, and $23,000, what is the IRR/

YR? What is the IRR per month?

HD

Clears all memory.

12H¢

Sets payments per year.

40000FJ

±

Enters initial outflow.

4700J

Enters first cash flow.

7000J

Enters second cash flow.

2Ha

Enters number of consecu-

tive times cash flow occurs.

23000J

Enters third cash flow.

HW

Calculates IRR/YR.

¤12=

Calculates IRR per month.

What is the NPV if the discount rate is 10%?

10L

Enters I/YR.

Hl

Calculates NPV.

st

th

Amortize the 1

through 12

loan payments.

1N12

B

Enters range of periods to amortize.

H!

±

Displays range of payments.

=

±

Displays principal.

=

±

Displays interest.

Displays balance.

=

To convert between nominal and effective interest rates, enter the

known rate and the number of periods per year, then solve for the

unknown rate.

H&

Nominal interest percent.

Hx

Effective interest percent.

H¢

Periods per year.

6HH H[DPSOH RQ SDJH

Hª

Clear statistical registers.

number

Enter one-variable statistical data.

_

number

H^

Delete one-variable statistical data.

number1

number2

Enter two-variable statistical data.

N

_

number1

N

number2

Delete two-variable statistical data.

H^

HBH©

Means of x and y.

Hc

Mean of x weighted by y.

HXH©

Sample standard deviations of x and

y.

HkH©

Population standard deviations of x

and y.

y-value

HQH©

Estimate of x and correlation

coefficient.

x-value

HR

Estimate of y.

0HRH©

y-intercept and slope.

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