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Table of Contents
1 Overview of Calculator Operations..................................1
2 Time-Value-of-Money and Amortization Worksheets...21
3 Cash Flow Worksheet...................................................... 41
4 Bond Worksheet ............................................................. 53
5 Depreciation Worksheet ................................................ 59
Index.............................................................................. 105
6 Statistics Worksheet .......................................................65
7 Other Worksheets ........................................................... 71
Overview of Calculator Operations
Turning On the Calculator
Turning Off the Calculator
Automatic Power Down (APD) Feature
Selecting 2nd Functions
Reading the Display
# $Press " or # to display the previous or next variable in the
Setting Calculator Formats
Choosing the Number of Decimal Places Displayed
Choosing the Angle Units
Using Dates
Choosing Calculation Methods
Resetting Default Values
Resetting the Calculator
Pressing
Performing a Hard Reset
Clearing Calculator Entries and Memories
Correcting Entry Errors
Math Operations
Examples of Math Operations
Universal Power
Parentheses
Factorial
Random Numbers
Combinations
n
Cr n! nr)!r!(
-------------------=
-----------------------------=
n
Pr n! nr)!(
Scientific Notation
Memory Operations
Clearing Memory
Storing to Memory
Recalling From Memory
Memory Examples
Calculations Using Constants
Example: Multiply 3, 7, and 45 by 8
Keystrokes for Constant Calculations
Last Answer Feature
Example: Using the Last Answer in a Calculation
Using Worksheets: Tools for Financial Solutions
Accessing the TVM Worksheet Variables
Accessing Prompted-Worksheet Variables
Types of Worksheet Variables
Enter-Only Variables
Compute-Only Variables
Automatic-Compute Variables
Enter-or-Compute Variables in the TVM Worksheet
Enter-or-Compute Variables in Prompted Worksheets
Selecting Worksheet Settings
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TVM and Amortization Worksheet Variables
Using the TVM and Amortization Variables
Resetting the TVM and Amortization Worksheet Variables
Clearing the Unused Variable
Entering Positive and Negative Values for Outflows and Inflows
Entering Values for I/Y, P/Y, and C/Y
Specifying Payments Due With Annuities
Updating P1 and P2
Different Values for BAL and FV
Entering, Recalling, and Computing TVM Values
Entering Cash Inflows and Outflows
Generating an Amortization Schedule
Generating an Amortization Schedule Manually
Generating an Amortization Schedule Automatically
Example: Computing Basic Loan Interest
Answer:
Examples: Computing Basic Loan Payments
Computing Monthly Payments
Computing Quarterly Payments
Examples: Computing Value in Savings
Computing Future Value
Example:
Answer:
Computing Present Value
Example: Computing Present Value in Annuities
Cost Savings for a Present-Value Ordinary Annuity
Cost Savings for a Present-Value Annuity Due in a Leasing Agreement
Example: Computing Perpetual Annuities
Perpetual ordinary annuity
Example: Computing Present Value of Variable Cash Flows
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Example: Computing Present Value of a Lease With Residual Value
Answer:
Example: Computing Other Monthly Payments
Example: Saving With Monthly Deposits
Answer:
Example: Computing Amount to Borrow and Down Payment
Answer:
Example: Computing Regular Deposits for a Specified Future Amount
Answer:
Example: Computing Payments and Generating an Amortization Schedule
Computing Mortgage Payments
Generating an Amortization Schedule
Example: Computing Payment, Interest, and Loan Balance After a Specified Payment
Computing the Monthly Payment
Generating an Amortization Schedule for Interest and Balloon Payment
Cash Flow Worksheet
Cash Flow Worksheet Variables
Resetting Variables
Entering Cash Flows
Inserting and Deleting Cash Flows
Uneven and Grouped Cash Flows
Uneven Cash Flows
Grouped Cash Flows
Entering Cash Flows
Deleting Cash Flows
Inserting Cash Flows
Computing Cash Flows
Computing NPV, NFV, PB, and DPB
Computing IRR and MOD
Example: Solving for Unequal Cash Flows
Entering Cash-Flow Data
Editing Cash-Flow Data
Computing NPV, NFV, PB, and DPB
Computing IRR and MOD
Example: Value of a Lease with Uneven Payments
Computing NPV
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Bond Worksheet
Bond Worksheet Variables
Resetting Bond Worksheet Variables
Entering Dates
Entering CPN
Entering RV
Setting the Day-Count Method
Setting the Coupon Frequency
Bond Worksheet Terminology
Entering Bond Data and Computing Results
Entering Known Bond Values
Setting the Bond Day-Count Method and Coupon Frequency
Computing the Bond Price (PRI)
Computing the Bond Yield (YLD)
Computing Accrued Interest (AI)
Example: Computing Bond Price, Accrued Interest, and Modified Duration
Computing Bond Price, Accrued Interest, and Modified Duration
Depreciation Worksheet
Depreciation Worksheet Variables
Resetting the Depreciation Worksheet Variables
Computing Values for DEP, RBV, and RDV
Entering Values for DB and DBX
Entering Values for LIF
Entering Values for M01
Entering Data and Computing Results
Selecting a Depreciation Method
Entering Depreciation Data
Computing Results for DEP, RBV, and RDV
Generating a Depreciation Schedule
Example: Computing Straight-Line Depreciation
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Statistics Worksheet
Statistics Worksheet Variables
Resetting Statistics Worksheet Variables
Entering Data Points
Analyzing One-Variable Statistics
Analyzing Two-Variable Statistics
Computing Values Automatically
Regression Models
Correlation Coefficient
Entering Statistical Data
Computing Statistical Results
Selecting a Statistics Calculation Method
Computing Results
Computing Y'
Computing X'
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Other Worksheets
The calculator also includes these worksheets:
Percent Change/Compound Interest Worksheet
Percent Change/Compound Interest Worksheet Variables
Resetting the Percent Change/Compound Interest Worksheet Variables
Entering Values
Computing Values
Example: Computing Percent Change
Example: Computing Compound Interest
Example: Computing Cost-Sell-Markup
Interest Conversion Worksheet
Comparing the Nominal Interest Rate of Investments
Resetting Variables
Converting Variables
Entering Values for Nom and EFF
Converting Interest Rates
Date Worksheet
Date Worksheet Variables
Resetting the Date Worksheet Variables
Entering Dates
Selecting the Day-Count Method Affects Calculations
Computing Dates
Example: Computing Days between Dates
Profit Margin Worksheet
Profit Margin Worksheet Variables
Gross Profit Margin and Markup
Clearing Profit Margin Worksheet Variables
Computing Profit Margin
Example: Computing Profit Margin
Breakeven Worksheet
Breakeven Worksheet Variables
Resetting the Breakeven Worksheet Variables
Computing Breakeven
Example: Computing Breakeven Quantity
Memory Worksheet
Memory Worksheet Variables
Clearing the Memory Worksheet Variables
Using the Memory Worksheet
Examples: Using the Memory Worksheet
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Appendix Reference Information
Formulas
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NFV 1i+()
p
n
1rrate+()1=
-----------------------------------------------------
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Profit Margin Breakeven
Days between Dates
Actual/actual day-count method
Gross Profit Margin Selling Price Cost Selling Price
----------------------------------------------- 100=
------------------------
Y1YB() 4
------------------------ Y2YB() 4
DBD Y2(Y1)360M2(M1)++ 30DT2(DT1)+=
Error Messages
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Accuracy Information
Rounding
AOS (Algebraic Operating System) Calculations
Algebraic Hierarchy
Battery Information
Replacing the Battery
Battery Precautions
Battery Disposal
In Case of Difficulty
Texas Instruments Support and Service
For general information
For technical support
For Product (hardware) Service
Texas Instruments (TI) Warranty Information
Customers in the U.S. and Canada Only
One-Year Limited Warranty for Commercial Electronic Product
Australia & New Zealand Customers only
All Other Customers
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Index
Symbols
Numerics
A
B
C
D
E
F
G
H
I
L
M
N
O
P
Q
R
S
T
U
V
W
X