| REGISTERS | |
n: Years |
| i: Used |
PV: 0 |
| PMT: Yearly Pmt |
FV: Used |
| R0: Unused |
R1: Tax % |
| |
1.Key in the program.
2.Press 
CLEAR 
and press 
.
3.Key in the tax rate as a percentage and press 
1.
4.Key in years to retirement and press 
.
5.Key in the interest rates as a percentage and press 
.
6.Key in the annual payment and press 
.
7.Press 
to calculate the future value of the tax free investment.
8.Press 
to compute the total cash paid in.
9.Press 
to compute the total dividends paid.
10.Press 
to compute the future value when, after retirement, money is withdrawn at a rate causing the tax rate to equal 1/2 the rate paid during the pay in period.
11.Press 
to compute the diminished purchasing power, in terms of today's dollars, of the future value assuming a 10% annual inflation rate.
12.Press 
to compute the future value of an ordinary tax investment.
13.Press 
to compute the diminished purchasing power of the ordinary tax investment.
Example: Assuming a 35 year investment period with a dividend rate of 8.175% and a tax rate of 40%.
1.If you invest $1500 each year in a tax free account, what will its value be at retirement?
2.How much cash will be paid in?
3.What will be the value of the earned dividends?
4.After retirement, if you withdrew cash form the account at a rate such that it will be taxed at a rate equal to
5.What is the diminished purchasing power of that amount, in today's dollars, assuming 10% annual inflation?
