HP 20B manual Time Value of Money

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Time Value of Money

Figure 1 Cash Flow Diagram Example with Corresponding TVM Keys

The TVM functions of the calculator can solve problems with at least one cash flow, and problems in which all the cash flows, except the first and last, are of the same value. To solve other types of cash flows, refer to the section below titled, Canadian Mortgages: TVM Canada, or Chapter 4, Cash Flows.

Figure 1 illustrates a cash flow diagram and how the data in the diagram corresponds to the TVM keys. For a complete list of keys used for TVM problems, along with their descriptions, see Table 3-1.

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Contents HP part number F2219-90201 First edition August HP 20b Business Consultant Financial Calculator ManualRevision History Legal NoticesRevision History Legal NoticesContents Bonds Business ProblemsTime Value of Money Cash FlowsWarranty, Regulatory, and Contact Information ErrorsIndex Keyboard Map Legend FeatureFeature Chapters HP 20b Business Consultant KeyboardSelecting a Language Basic FeaturesAdjusting the Display Contrast Basic FeaturesTwo Line Display Mode Menu Setting PreferencesSetting top line Description Basic Features 1Mode Menu SettingsKeys Display Description Changing the Calculation ModeAnnunciators Key Presses and the Secondary Function KeyI Key Using the I and = Keys= Key Editing and Clearing Entries On/CE O Key Reset x MenuMemory and the Memory Menu Accessing Menus and Menu Maps Menu Map for the Break-even Menu Mathematical Functions Mathematical CalculationsNumber Entry and Display Algebraic Mode Chain ModeRPN Stack Reverse Polish Notation RPN ModeU3I Last NumberO1c23 I56c1 RPN Stack 3I4+5I6+ Mathematical Calculations 2Last NumberKeys Display Description RPN Stack RPN Stack and the Roll Down Operation One-Number Functions and the Math MenuKeys Description Math s MenuMenu Map for the Math Menu Mathematical Calculations 5Math Menu Example Probability Sub-menuIor = 7Inverse Probability Example Two-Number Functions10I 10I 12IStoring and Recalling Numbers Rounding Numbers Recall ArithmeticStoring and Recalling with Time Value of Money TVM Keys Recalling a Menu Item Value in a MenuPage Time Value of Money TVM Keys Time Value of MoneyTime Value of Money Calculating Payments on a Loan 360 N1400 00VTime Value of Money 2TVM Example AmortizationMenu Item/Key Description 1400 00V 10YCreating an Amortization Schedule Interest Conversion Menu Using the Interest Conversion Menu365 Canadian Mortgages TVM CanadaTime Value of Money 6Interest Rate Conversion Example Page Canadian Mortgage Example O300N 6Y350 00VCash Flows Cash Flow DiagramKey Description Cash Flow ExampleCash Flow Amount 4000I 80005000I 4500IAnalyzing Cash Flows 115000Cash Flows 2Cash Flow Example IRR% NPV and IRR Menu ItemsCash Flows 4NPV and IRR Example Editing Cash FlowsSample Cash Flow Diagrams Bond Menu BondsBond Menu Items 20102020 Bond Calculation ExampleBonds 2Bond Calculation Example +L1=Date Calculation Menu Date CalculationDate Calculation Example Date Calculation 1Date Calculation Example 10.3 12010Break-even Menu Break-evenBreak-even 1Break-even Example Percent Calculation Menu Business Problems35I 15I22I 20I80I What is 30% of 80? 4Part % of Total Example30I Depreciation Menu Depreciation2Depreciation Menu Items 1Depreciation MethodsDepreciation Method Description Sline Depreciation Menu Items 1000500 Depreciation ExampleDepreciation 3Straight Line Depreciation Example Menu Maps for the Data and Statistics Menus Statistical OperationsData and Stats Menus Menu Item Description Statistical Operations 1The Statistics Menu Items4I1 75I 1I1 50I2I1 65I 3I1 60IStatistical Operations 3Statistics Example 5I1 70IError Messages and Calculator Status Errors1Error Messages Error Message Status HP Limited Hardware Warranty and Customer Care Warranty, Regulatory, and Contact InformationReplacing the Batteries Customer Care Ireland 01 605 Italia 02 754 19 210 969Honduras Hong Kong 香港特別行政區 852 India +65 6100Singapore 6100 877 232495 228 01 439Avis Canadien Product Regulatory & Environment InformationModifications Canadian NoticeChemical Substances Pbde Calendar Actual, Cal.360 IndexOff calculator off