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Casio FC200V, FC200VSIH Σ INT = INTPM1 + INTPM1+1 + … + INTPM2, BAL, = PV, INT, PRN, = PMT

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ACalculation Formulas

a: Interest portion of payment PM1 (INT)INTPM1 = I BALPM1–1⋅ i I ⋅ (PMT sign)b: Principal portion of payment PM1 (PRN)PRNPM1 = PMT + BALPM1–1⋅ ic: Principal balance upon completion of payment PM2 (BAL)

BALPM2 = BALPM2–1 + PRNPM2

d: Total principal paid from payment PM1 to payment PM2 (ΣPRN)

ΣPM2

PM1

PRN = PRNPM1 + PRNPM1+1 + … + PRNPM2

e: Total interest paid from payment PM1 to payment PM2 (ΣINT)

• a + b = one repayment (PMT)

PM2
Σ INT = INTPM1 + INTPM1+1 + … + INTPM2
PM1
BAL0 = PV .......................	Payment: End
	(Setup Screen)

INT1 = 0, PRN1 = PMT ... Payment: Begin (Setup Screen)

Converting between the Nominal Interest Rate and Effective Interest Rate

The nominal interest rate (I % value input by user) is converted to an effective interest rate (I%´) for installment loans where the number of annual payments is different from the number of annual compoundings calculation periods.

			I%		[C / Y ]
			I%		[P / Y ]		⋅100
I%' =	(1+			) –1
I%' =	(1+		⋅ [C / Y ]	) –1
	100		⋅ [C / Y ]

The following calculation is performed after conversion from the nominal interest rate to the effective interest rate, and the result is used for all subsequent calculations.

i = I%'⎟100kConversion Mode

•The Conversion (CNVR) Mode lets you convert between the nominal interest rate (APR) and effective interest rate

(EFF).

E-59

Contents

CASIO Worldwide Education Website CASIO EDUCATIONAL FORUM Important About this Manual Page Initializing the Calculator Safety Precautions Handling Precautions •Use a soft, dry cloth to clean the exterior of the calculator E-6 Contents Financial Calculation kMargin of Safety Sub-mode kDegree of Operating Leverage Sub-mode kDegree of Financial Leverage Sub-mode Shortcuts Function Calculations kPi (π) and Natural Logarithm Base e kTrigonometric and Inverse Trigonometric kHyperbolic and Inverse Hyperbolic Functions Statistical Calculation Technical Information kCalculation Priority Sequence kCalculation Ranges, Number of Digits, and kSpecial Financial Calculation Error Messages Before Using the Calculator kAbout the Display Example: kDisplay Indicators Sample Display: This DMY FIX SCI Disp Calculation Modes and Calculator Setup ADisplaying the Setup Screen To display the setup screen with the skey To display the setup screen by selecting “Set:” on a mode menu ASetup Screen Settings No Setup Description Page AConfiguring Settings 1Payment: Compound Interest (CMPD) Mode Amortization (AMRT) Mode This setting specifies the payment date 1:Begin Periods/Y: Bond Date: 6Date Input: Day Calculation (DAYS) Mode, Bond (BOND) Mode (FC-200Vonly) 1:MDY 2:DMY 1. Use fcto select “Date Input”, and then press E 2.Press 1(1:MDY) or 2(2:DMY) to select the setting you want 1. Use fcto select “B-Even”,and then press E 2.Press 1(1:Quantity) or 2(2:Sales) to select the setting you want 9Digit Sep.: All modes except for the STAT Mode and COMP Mode 1:Superscript 2:Subscript Fix: Sci: Norm: STAT: %CONTRAST: All modes Note AInitializing the Setup Screen Settings Inputting Expressions and Values AOmitting the Multiplication Sign AFinal Closed Parenthesis ADisplaying a Long Expression ANumber of Input Characters (Bytes) Each expression in calculation history memory (page kCorrecting an Expression AAbout the Insert and Overwrite Input Modes The cursor is a vertical flashing line AChanging the Character or Function You Just Input Example: To correct the expression 369 ⋅ 13 so it becomes 369 ⋅ ADeleting a Character or Function ACorrecting a Calculation AInserting input into a Calculation kDisplaying the Location of an Error Basic Calculations AOmitting a Final Closed Parenthesis kPercent Calculations Example 1: 2% Example 3: Example 4: Example 5: To discount 3500 by 25% 3500 251((%)E Example 6: To discount the sum of 168, 98, and 734 by 20% 168+98+ 734E Example 9: Example 10: Using Multi-statementsin Calculations Using Calculation History Memory and Replay AReplay Function Using Calculator Memory AUsing Answer Memory to Perform a Series of Calculations AInputting Answer Memory Contents into an Expression kIndependent Memory (M) AIndependent Memory Overview To do this: Perform this key operation: ACalculation Examples Using Independent Memory AClearing Independent Memory kVariables (A, B, C, D, X, Y) AVariable Overview Page kFinancial Calculation Variables (VARS) ATo select an financial calculation variable in the COMP mode AClearing the Contents of VARS Memories Only kClearing Memory Contents 2.“Memory:EXE” (fc), then E E-41 Financial Calculation AOther SMPL Mode Calculations SI SI = –SI SFV = –(PV + SI') Set*1 Payment Period (Payment) Interest Rate Present Value (Principal) –$1,000 ABasic CMPD Mode Procedure Input Precautions 3. Press lto perform the calculation Calculating the Number of Payments Use the same procedure as shown under “Example 1” (page ACalculating the Number of Months when a Partial Month is Included Example 1: 20days When P/Y=12 1.Use fc to select “n” Page PMT = – PV + FV n n = – PV + FV PMT n: Number of Payments I% : Interest Rate PV : Present Value (Principal) PMT : Payment Amount PMT FV : Future Value (Principal and Interest, or Final Payment Amount) P/Y : Number of Annual Payments (PMT) P/Y C/Y : Number of Annual Compoundings CF2 CF3 CF4 CF5 CF6 CF7 CF1 CF0 ABasic CASH Mode Procedure AOther CASH Mode Calculations Example 2: To calculate the internal rate of return (IRR) •In step 3 of the basic procedure (Example 1), select “IRR:Solve” •The IRR calculation result is assigned to financial variable (VARS) Example 3: To calculate the payback period (PBP) NPV IRR PBP NPVn NPVn+1 – NPVn kAmortization Mode BAL INT PRN AEntering the AMRT Mode n*3 ABasic AMRT Mode Procedure AOther AMRT Mode Calculations AAMRT Mode Financial Calculation Variables (VARS) Σ INT = INTPM1 + INTPM1+1 + … + INTPM2 BAL = PV INT PRN AEntering the CNVR Mode ABasic CNVR Mode Procedure Page AEntering the COST Mode ABasic COST Mode Procedure Page kDay Calculation Mode AEntering the DAYS Mode ABasic DAYS Mode Procedure AOther DAYS Mode Calculations •Calculation results “d1” and “d2” are not stored in Answer Memory Example 2: 2.In step 2, select “d2” 2.In step 2, select “d1” AEntering the DEPR Mode ABasic DEPR Mode Procedure AOther DEPR Mode Calculations Page Page Page Page AOther Setup Items ABasic BOND Mode Procedure AOther BOND Mode Calculations ABOND Mode Financial Calculation Variables (VARS) INT CST Page kBreak-EvenMode (FC-200Vonly) AEntering the BEVN Mode ABEVN Mode Sub-modes kBEV Sub-mode (Break-EvenMode 1) AEntering the BEV Sub-mode 1. Press Bto enter the Break-EvenMode 2. Use fc to select “BEV:EXE” 3. Press E ABasic BEV Sub-modeProcedure AOther BEV Sub-modeCalculations Page AEntering the MOS Sub-mode ABasic MOS Sub-modeProcedure MOS SAL – SBE SAL ABasic DOL Sub-modeProcedure AOther DOL Sub-modeCalculations Page ABasic DFL Sub-modeProcedure Example 1: To calculate the degree of financial leverage (DFL) 1.Input the required values from the Setting Values table (page E-86) • For this example, use fc to select 1“EIT”, input 400000, and then press E “EIT”, input 400000, and then press Page ABasic DCL Sub-modeProcedure Example 1: To calculate the degree of combined leverage (DCL) 1.Input the required values from the Setting Values table (page E-88) •Use fc to select 4“ITR”, input 100000, and then press E • For this example, use fc to select 5“DCL” Page ABasic QTY CONV. Sub-modeProcedure AQTY CONV. Sub-modeFinancial Calculation Variables (VARS) SAL = PRC ⋅ QTY VC = VCU ⋅ QTY Shortcuts 5.Use fc to select “Shortcut1”, and then press 6.In response to the confirmation screen that appears, press E(Yes) If you want to cancel this operation without assigning anything to u To configure the SHORTCUT2 key 1.Press mto enter the COMP Mode AInitializing the Custom Shortcut Settings kFunction Shortcut Keys u To configure an FMEM key u To use the configured function memory key in a calculation AInitializing the Function Shortcut Settings Function Calculations kHyperbolic and Inverse Hyperbolic kConverting an Input Value to the Calculator’s Default Angle Unit kExponential Functions and Logarithmic Functions Example 1: log216 Example 4: ln e kPower Functions and Power Root Page kRectangular-PolarCoordinate Conversion Converting to Polar Coordinates (Pol) Pol(X, Y) X: Specifies the rectangular coordinate X value Y:Specifies the rectangular coordinate Y value kOther Functions !, Abs(, Ran#, nPr, nCr, Rnd AFactorial (!) AAbsolute Value Calculation (Abs) ARandom Number (Ran#) APermutation (nPr) and Combination (nCr) ARounding Function (Rnd) Display Digits Setting: Norm1 or Norm2 Display Digits Setting: Fix or Sci Page Statistical Calculation ASTAT Editor Screen AFREQ (Frequency) Column ARules for Inputting Sample Data on the STAT Editor Screen Data you input is inserted into the cell where the cursor is located. Use fcde ASTAT Editor Screen Input Precautions APrecautions Concerning Sample Data Storage AEditing Sample Data Replacing the Data in a Cell 1.On the STAT editor screen, move the cursor to the cell you want to edit 2.Input the new data value or expression, and then press Deleting a Line kUsing the STAT Menu ASTAT Menu Items Common Items Select this When you want to do this: o = Σnx Σ (x – o)2 3xσn 4xσn–1 MinMax Sub-menu (17(S-MENU)6(MinMax)) Single-variableStatistical Calculation Preparation Page Page n = A + Bx 5Σxy 7Σx2y 6yσn 7yσn–1 Reg Sub-menu (17(S-MENU)7(Reg)) Linear Regression Calculation Example 8: ACommands when Quadratic Regression Calculation (_+CX2) Is Selected B = Sxx.Sx2x2 – (Sxx2)2 Sx2y.Sxx – Sxy.Sxx2 C = Sxx.Sx2x2 – (Sxx2)2 Sxx = Σx2– (Σx)2 n Sxy = Σxy – (Σx.Σy) n Sxx2 = Σx3 – (Σx.Σx2) n y = Σx Quadratic Regression Calculation Example 11: Example 12: Example 13: → m → n AComments for Other Types of Regression Statistical Calculation Type Model Equation n = A + Blnx n= AeBx Power Regression (A•X^B) n = AxB Inverse Regression (1/X) Σy – B.Σx–1 Sxy B = Sxx Comparison of Regression Curves Example 14: Other Types of Regression Calculation Example 15: y = A + Blnx Example 16: y = AeBx Example 17: y = ABx Example 18: y = AxB Example 19: y = A + –– ACommand Usage Tips Technical Information Page kStack Limitations kCalculation Ranges, Number of Digits, and Precision Calculation Range and Precision Function Calculation Input Ranges and Precision Input Range nPr nCr Financial Calculation Ranges kSpecial Financial Calculation Error Messages Compound Interest Mode When calculating “n” kError Messages A When an error message appears See “Special Financial Calculation Error Messages” E-140 Math ERROR Cause •Your input exceeds the allowable input range Action Stack ERROR kBefore assuming malfunction of the calculator If the above steps do not correct your problem, press the 4.Initialize all modes and settings by performing the following operation: (1)O19(CLR) Reference FC-100V Auto Power Off Specifications 6-2, Hon-machi 1-chome Shibuya-ku,Tokyo 151-8543,Japan