HP 12C, User Manual

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6 Contents
File name: HP 12cpt_user's guide_English_110608.DOC Page: 6 of 285
Printed Date: { 2009/1/13 Dimension: 14.8 cm x 21 cm
Percent of Total in ALG Mode ................................................. 36
Calendar Functions...................................................................... 37
Date Format ......................................................................... 37
Future or Past Dates............................................................... 38
Number of Days Between Dates ............................................. 40
Section 3: Basic Financial Functions.............................................41
The Financial Registers ..................................................................41
Storing Numbers into the Financial Registers .............................41
Displaying Numbers in the Financial Registers ...........................41
Clearing the Financial Registers .............................................. 42
Simple Interest Calculations........................................................... 42
Financial Calculations and the Cash Flow Diagram.......................... 44
The Cash Flow Sign Convention.............................................. 46
The Payment Mode ............................................................... 46
Generalized Cash Flow Diagrams........................................... 47
Compound Interest Calculations..................................................... 49
Specifying the Number of Compounding Periods and the Periodic
Interest Rate ......................................................................... 49
Calculating the Number of Payments or Compounding Periods ... 49
Calculating the Periodic and Annual Interest Rates..................... 55
Calculating the Present Value ................................................. 56
Calculating the Payment Amount............................................. 59
Calculating the Future Value ....................................................61
Odd-Period Calculations ........................................................ 63
Amortization ............................................................................... 69
Section 4: Additional Financial Functions.................................... 72
Discounted Cash Flow Analysis: NPV and IRR ................................. 72
Calculating Net Present Value (NPV) ....................................... 73
Calculating Internal Rate of Return (IRR) ................................... 78
Reviewing Cash Flow Entries................................................... 79
Changing Cash Flow Entries................................................... 80
Bond Calculations ....................................................................... 82
Bond Price ........................................................................... 82
Bond Yield ........................................................................... 83
Depreciation Calculations ............................................................. 84
Section 5: Additional Operating Features ................................... 86
Continuous Memory..................................................................... 86
The Display................................................................................. 86