Owner's Manual
Table Of Contents
- Overview of Calculator Operations
- Turning On the Calculator
- Turning Off the Calculator
- Selecting 2nd Functions
- Reading the Display
- Setting Calculator Formats
- Resetting the Calculator
- Clearing Calculator Entries and Memories
- Correcting Entry Errors
- Math Operations
- Memory Operations
- Calculations Using Constants
- Last Answer Feature
- Using Worksheets: Tools for Financial Solutions
- Time-Value-of-Money and Amortization Worksheets
- TVM and Amortization Worksheet Variables
- Entering Cash Inflows and Outflows
- Generating an Amortization Schedule
- Example: Computing Basic Loan Interest
- Examples: Computing Basic Loan Payments
- Examples: Computing Value in Savings
- Example: Computing Present Value in Annuities
- Example: Computing Perpetual Annuities
- Example: Computing Present Value of Variable Cash Flows
- Example: Computing Present Value of a Lease With Residual Value
- Example: Computing Other Monthly Payments
- Example: Saving With Monthly Deposits
- Example: Computing Amount to Borrow and Down Payment
- Example: Computing Regular Deposits for a Specified Future Amount
- Example: Computing Payments and Generating an Amortization Schedule
- Example: Computing Payment, Interest, and Loan Balance After a Specified Payment
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
- General Information
74 Other Worksheets
To Press Display
Compute annual effective
interest rate.
" C
EFF= 15.877
Answer: A nominal interest rate of 15% compounded quarterly is equivalent to
an annual effective interest rate of 15.87%.
Date Worksheet
Use the Date worksheet to find the number of days
between two dates. You can also compute a date and
day of the week based on a starting date and a
specified number of days.
• To access the Date worksheet, press & u.
• To access the date variables, press # or ".
• To select the day-count method (ACT and 360),
press & V once for each option.
Date Worksheet Variables
Variable Key Display
Variable
Type
Date 1
&
u
DT1
Enter/compute
Date 2
#
DT2
Enter/compute
Days between dates
#
DBD
Enter/compute
Actual/actual day-count method
#
ACT* Setting
30/360 day-count method
#
360* Setting
Note: The calculator categorizes variables by their method of entry. Types of
Worksheet Variables
Resetting the Date Worksheet Variables
• To reset default values for all calculator variables and formats, including
the Date worksheet variables, press & } !.