Detailed instructions for use are in the User's Guide.
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Contents 5
1
23 23 23 23 25 25 25 25 26 27 27 28 28 28 29 30 30 31 31 32 32
2
33 33 33 34 34 35 35 35 36 37 37 37 39 40 41 42 43 43 45 45 46 47 47 47 48 49 49 49 51
Business Percentages 3HUFHQW . H\ )LQGLQJ D 3HUFHQW $GGLQJ RU 6XEWUDFWLQJ D 3HUFHQW 3HUFHQW &KDQJH 0DUJLQ DQG 0DUNXS &DOFXODWLRQV 0DUJLQ &DOFXODWLRQV 0DUNXS RQ &RVW &DOFXODWLRQV 8VLQJ 0DUJLQ DQG 0DUNXS 7RJHWKHU Number Storage and Arithmetic 8VLQJ 6WRUHG 1XPEHUV LQ &DOFXODWLRQV 8VLQJ &RQVWDQWV 8VLQJ WKH 0 5HJLVWHU 8VLQJ 1XPEHUHG 5HJLVWHUV 'RLQJ $ULWKPHWLF , QVLGH 5HJLVWHUV 'RLQJ $ULWKPHWLF 3RZHU 2SHUDWRU 8VLQJ 3DUHQWKHVHV LQ &DOFXODWLRQV Picturing Financial Problems +RZ WR DSSURDFK D )LQDQFLDO 3UREOFUJITSU 6LJQV RI &DVK )ORZV 3HULRGV DQG &DVK )ORZV 6LPSOH DQG &RPSRXQG , QWHUHVW 6LPSOH , QWHUHVW &RPSRXQG , QWHUHVW , QWHUHVW 5DWHV 7ZR 7\SHV RI )LQDQFLDO 3UREOFUJITSUV 5HFRJQL]LQJ D 790 3UREOFUJITSU 5HFRJQL]LQJ D &DVK )ORZ 3UREOFUJITSU
3
4
6
Contents
5
53 53 54 55 55 60 63 67 72 72 73 75 75 77 77 78 79 80 83 84 85 85 86 86 86 87 87 87 87 88 90 93
Time Value of Money Calculations 8VLQJ WKH 790 $SSOLFDWLRQ &OHDULQJ 790 %HJLQ DQG (QG 0RGHV /RDQ &DOFXODWLRQV 6DYLQJV &DOFXODWLRQV /HDVH &DOFXODWLRQV $PRUWL]DWLRQ , QWHUHVW 5DWH &RQYHUVLRQV , QYHVWPHQWV :LWK 'LIIHUHQW &RPSRXQGLQJ 3HULRGV &RPSRXQGLQJ DQG 3D\PHQW 3HULRGV 'LIIHU Cash Flow Calculations +RZ WR 8VH WKH &DVK )ORZ $SSOLFDWLRQ 139 DQG , 55<5 'LVFRQWLQXLQJ &DVK )ORZV 2UJDQL]LQJ &DVK )ORZV (QWHULQJ &DVK )ORZV 9LHZLQJ DQG 5HSODFLQJ &DVK )ORZV &DOFXODWLQJ 1HW 3UHVHQW 9DOXH &DOFXODWLQJ , QWHUQDO 5DWH RI 5HWXUQ $XWRPDWLF 6WRUDJH RI , 55<5 DQG 139 Statistical Calculations &OHDULQJ 6WDWLVWLFDO 'DWD (QWHULQJ 6WDWLVWLFDO 'DWD 2QH9DULDEOH 6WDWLVWLFV 7ZR9DULDEOH 6WDWLVWLFV DQG :HLJKWHG 0HDQ &RUUHFWLQJ 6WDWLVWLFDO 'DWD &RUUHFWLQJ 2QH9DULDEOH 'DWD &RUUHFWLQJ 7ZR9DULDEOH 'DWD 6XPPDU\ RI 6WDWLVWLFDO &DOFXODWLRQV 0HDQ 6WDQGDUG 'HYLDWLRQV DQG 6XPPDWLRQ 6WDWLVWLFV /LQHDU 5HJUHVVLRQ DQG (VWLPDWLRQ :HLJKWHG 0HDQ
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7
Contents
7
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95 95 95 96 97 98 98 98 99 101 103 104 105 106 108 108 110 112 113 113 115 117 117 118 119 119 119 119 121 122 122 122 123
Additional Examples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ssistance, Batteries, and Service $QVZHUV WR &RPPRQ 4XHVWLRQV (QYLURQPHQWDO /LPLWV 3RZHU DQG %DWWHULHV /RZ 3RZHU $QQXQFLDWRU %DWWHU\ 6SHFLILFDWLRQV , QVWDOOLQJ %DWWHULHV 'HWHUPLQLQJ LI WKH &DOFXODWRU 5HTXLUHV 6HUYLFH /LPLWHG 2QH<HDU :DUUDQW\ :KDW , V &RYHUHG :KDW , V 1RW &RYHUHG &RQVXPHU 7UDQVDFWLRQV LQ WKH 8QLWHG . LQJGRP
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Contents
123 123 124 124 124 125 125 126
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More About Calculations , 55<5 &DOFXODWLRQV 3RVVLEOH 2XWFRPHV RI &DOFXODWLQJ , 55<5 +DOWLQJ DQG 5HVWDUWLQJ , 55<5 (QWHULQJ D *XHVV IRU , 55<5 (IIHFW RI 8VLQJ WR &RUUHFW 'DWD 5DQJH RI 1XPEHUV (TXDWLRQV 0DUJLQ DQG 0DUNXS &DOFXODWLRQV 7LPH 9DOXH RI 0RQH\ 790 $PRUWL]DWLRQ , QWHUHVW 5DWH &RQYHUVLRQV &DVK)ORZ &DOFXODWLRQV 6WDWLVWLFV Messages Index
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At a Glance. . .
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Basics--At a Glance. . .
I B B ! 7 Bj B8 B
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0. 00 0. 00 0. 00 12_ 0. 00 0. 00 0. 00
Description:
[orange label]
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At a Glance. . .
11
Percentages--At a Glance. . .
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Keys:
3HUFHQW &RVW 3ULFH 0DUJLQ 0DUNXS WR
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17. 50 20. 13
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At a Glance. . .
Description:
(QWHUV QXPEHU $GGV
(QWHUV FRVW (QWHUV SULFH &DOFXODWHV PDUJLQ
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Memory Keys--At a Glance. . .
E B3 ( %4%E 11 #1
Keys:
6WRUHV D FRQVWDQW RSHUDWLRQ 6WRUHV D YDOXH LQ WKH 0 UHJLVWHU PFUJITSURU\ ORFDWLRQ 5HFDOOV D YDOXH IURP WKH 0 UHJLVWHU $GGV D YDOXH WR WKH QXPEHU VWRUHG LQ WKH 0 UHJLVWHU 6WRUHV D YDOXH LQ D QXPEHUHG UHJLVWHU 5HFDOOV D YDOXH IURP D QXPEHUHG UHJLVWHU
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7. 00 119. 00 154. 00 175. 00
Description:
6WRUHV DV D FRQVWDQW RSHUDWLRQ 0XOWLSOLHV 0XOWLSOLHV 0XOWLSOLHV
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At a Glance. . .
13
Time Value of Money (TVM)--At a Glance. . .
(QWHU DQ\ IRXU RI WKH ILYH YDOXHV DQG VROYH IRU WKH ILIWK $ QHJDWLYH VLJQ LQ WKH GLVSOD\ UHSUHVHQWV PRQH\ SDLG RXW PRQH\ UHFHLYHG LV SRVLWLYH
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Keys:
1XPEHU RI SD\PHQWV , QWHUHVW SHU \HDU 3UHVHQW YDOXH 3D\PHQW )XWXUH YDOXH %HJLQ RU (QG PRGH 1XPEHU RI SD\PHQWV SHU \HDU PRGH LQWHUHVW , <5
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Description:
Display:
14, 000. 00 0. 00 122. 86
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At a Glance. . .
TVM What if. . . --At a Glance. . .
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Display:
100. 00
Description:
11, 395. 08
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At a Glance. . .
15
Amortization--At a Glance. . .
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12_ 1 12 77. 82 1, 396. 50
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Keys:
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20. 00 20 20 7. 25 115. 61
Description:
13, 865. 83
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13, 922. 18
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At a Glance. . .
Interest Rate Conversion--At a Glance. . .
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Keys:
1RPLQDO LQWHUHVW SHUFHQW (IIHFWLYH LQWHUHVW SHUFHQW 3HULRGV SHU \HDU QRPLQDO LQWHUHVW
Description:
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Display:
10. 00 12. 00 10. 47
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At a Glance. . .
17
IRR/YR and NPV--At a Glance. . .
B D Bg BW Bx
Keys:
1XPEHU RI SHULRGV SHU \HDU GHIDXOW LV &DVK IORZV XS WR M LGHQWLILHV WKH FDVK IORZ QXPEHU 1XPEHU RI FRQVHFXWLYH WLPHV FDVK IORZ M RFFXUV , QWHUQDO UDWH RI UHWXUQ SHU \HDU 1HW SUHVHQW YDOXH
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At a Glance. . .
Statistics--At a Glance. . .
Bj
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At a Glance. . .
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0. 00 1. 00 2. 00 3. 00 4. 00 100. 00 2. 00
Description:
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At a Glance. . .
Keyboard Map
Time value of money (page 53) Separate two numbers (page 28) Percent (page 33) Constant (page 37) Store and recall (page 40) Change sign (page 24) Statistics key (page 27) Shift key (page 27) Clear display, cancel operation (page 25) 10. (QWHU WKH QXPEHU DQG SUHVV
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&KDQJHV WKH VLJQ RI &DOFXODWHV UHVXOW
24
1: Getting Started
Understanding the Display and Keyboard
Cursor
7KH FXUVRU B LV YLVLEOH ZKHQ \RX DUH HQWHULQJ D QXPEHU
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:KHQ WKH FXUVRU LV RQ HUDVHV WKH ODVW GLJLW \RX HQWHUHG 2WKHUZLVH FOHDUV WKH GLVSOD\ DQG FDQFHOV WKH FDOFXODWLRQ
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Clearing Memory
B8 Bj
Keys
Description
&OHDUV DOO PFUJITSURU\ 'RHV QRW UHVHW PRGHV
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1: Getting Started
25
Annunciators
$QQXQFLDWRUV DUH V\PEROV LQ WKH GLVSOD\ WKDW LQGLFDWH WKH VWDWXV RI WKH FDOFXODWRU
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SHIFT
Status
STATS
PEND BEGIN INPUT AMOR T BAL INT PRIN PER C-FLOW CF N ERROR TVM
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26
1: Getting Started
Annunciator
FULL STAT
Status (Continued)
FUNC STAT
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Shift Key
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Statistics Key
A
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1: Getting Started
27
INPUT Key
7KH NH\ LV XVHG WR VHSDUDWH WZR QXPEHUV ZKHQ XVLQJ WZRQXPEHU IXQFWLRQV RU WZRYDULDEOH VWDWLVWLFV 7KH NH\ FDQ DOVR EH XVHG WR HYDOXDWH DQ\ SHQGLQJ DULWKPHWLF RSHUDWLRQV LQ ZKLFK FDVH WKH UHVXOW LV WKH VDPH DV SUHVVLQJ
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116 8: Additional Examples
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A: Assistance, Batteries, and Service 117
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118 A: Assistance, Batteries, and Service
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Accessing the battery compartment A: Assistance, Batteries, and Service 119
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120 A: Assistance, Batteries, and Service
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A: Assistance, Batteries, and Service 121
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Limited One-Year Warranty
What Is Covered
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122 A: Assistance, Batteries, and Service
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A: Assistance, Batteries, and Service 123
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124 A: Assistance, Batteries, and Service
Service Agreements
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A: Assistance, Batteries, and Service 125
Japan
Disposal of Waste Equipment by Users in Private Household in the European Union
This symbol on the product or on its packaging indicates that this product must not be disposed of with your other household waste. Instead, it is your responsibility to dispose of your waste equipment by handing it over to a designated collection point for the recycling of waste electrical and electronic equipment. [. . . ]