b Percent. { Margin
HP 10BII O


Turns calculator on. U Cost. ; Markup



Price.
H [orange label] Displays shift annunciator
(
 ).
Financial Calculator H


Discontinues shift.
Add 15% to $17.50.
  
  


123p  Erases last character.
17.50+ 
Enters number.
C


Clears display.
15b= 
 Adds 15%.
H


Clears statistics memory.
HD


Clears all memory. Find the margin if cost is $15.00 and selling price is $22.00.
Quick Reference Guide Hu Turns calculator off. 15U 

Enters cost.
22 

Enters price.
{   Calculates margin.
If the cost is $20.00 and the markup is 33%, what is the selling price?
20U 


Enters cost.
33; 

Enters markup.



Calculates price.

 

 
 !" If you borrow $14,000 (PV) for 360 months (N) at 10% interest (I/YR),
what is the monthly repayment?
K Stores a constant operation. Enter any four of the five values and solve for the fifth. Set to End mode. Press Hm if #$% annunciator is displayed.
# A negative sign in the display represents money paid out; money
Stores a value in the M register (memory location). received is positive.   
  


Recalls a value from the M register.
n Number of payments. 12H 


, Adds a value to the number stored in the M register. Sets payments per year.
L Interest per year. 360n 




H? Stores a value in a numbered register. Enters payments.
$ Present value. 10L 



: Recalls a value from a numbered register. Enters interest per year.
P Payment. 14000 




Enters present value.
Multiply 17, 22, and 25 by 7, storing 7 as a constant operation. M Future value. $
  
  

 Hm 0M


Enters future value.
Begin or End mode.
H P 
Calculates payment if paid
17@7K 

Stores 7. Number of payments per year mode
at end of period.
= 

Multiplies 17 7.
22= 

Multiplies 22 7.
25= 

Multiplies 25 7.


Store 519 in register 2, then recall it.
519H?2 

Stores in register 2.
C


Clears display.
:2 

Recalls register 2.
 


 

   


&'
() *
+
 Amortize the 1st through 12th loan payments.
It is not necessary to reenter TVM values for each example. Using the After calculating a payment using Time Value of Money (TVM), enter 1N12  Enters range of periods to amortize.
values from the previous page, how much can you borrow if you want the periods to amortize and press H!. Then press =to continually H!  Displays range of payments.
a payment of $100.00? cycle through the interest, principal, and balance values (indicated by =   Displays principal.
  
  

 the ,% , % , and *- annunciators respectively). = 

Displays interest.
100FP 



Enters new payment Using the TVM example from the previous page, amortize a single  Displays balance.
=
amount. (Money paid out is payment and then a range of payments.
negative.) Amortize the 20th payment of the loan.  , .

$ 
Calculates amount you can   
  

 To convert between nominal and effective interest rates, enter the
borrow. known rate and the number of periods per year, then solve for the
20N 


Enters period to amortize.
How much can you borrow at a 9.5% interest rate? unknown rate.
H! 

Displays period to
9.5L 
Enters new interest rate.
amortize. H& Nominal interest percent.
$  
 Calculates new present =  Displays principal. Hx Effective interest percent.
value for $100.00 payment
and 9.5% interest. = 
 Displays interest. (Money H Periods per year.
10L 


Reenters original interest paid out is negative.)
rate. = 
  Displays balance.
14000$ 




Reenters original present 

value.

P 
Calculates original
payment.
 

Find the annual effective interest rate of 10% nominal interest If you have an initial cash outflow of $40,000, followed by monthly 


compounded monthly. cash inflows of $4,700, $7,000, $7,000, and $23,000, what is the IRR/
  
  

 YR? What is the IRR per month? H Clear statistical registers.
10H& 


Enters nominal rate.   
  

 number _ Enter one-variable statistical data.
12H 

Enters payments per year. HD


Clears all memory. number H^ Delete one-variable statistical data.
Hx 
 Calculates annual effective interest.
12H 

Sets payments per year. number1 Nnumber2 _ Enter two-variable statistical data.
,,/0,1% 40000FJ 





Enters initial outflow. number1 Nnumber2
H^
Delete two-variable statistical data.
H Number of periods per year (default is 12). 4700J 



Enters first cash flow.
HBH Means of x and y.
J Cash flows, up to 15 ( j is the cash flow number). 7000J 




Enters second cash flow.
Hc Mean of x weighted by y.
Ha Number of consecutive times cash flow j occurs. 2Ha 

Enters number of consecu-
HW Internal rate of return per year. tive times cash flow occurs. HXH Sample standard deviations of x and
Hl Net present value. 23000J
y.





Enters third cash flow.
HkH Population standard deviations of x
HW 
Calculates IRR/YR. and y.
12=  Calculates IRR per month. y-value HQH Estimate of x and correlation
 What is the NPV if the discount rate is 10%? coefficient.
10L 


Enters I/YR. x-value HR Estimate of y.
0HRH y-intercept and slope.
Hl
  Calculates NPV.