This will solve for the N, FV, and PMT components of the Time Value of
Money equation given 2 of those three variables and the periodic
interest rate. This program deals with problems that have a future value
in them rather than a present value.
Remember: The periodic
interest rate is NOT the annual rate. For TVM problems involving a present value, see: SR-56 Present Values
Instructions:
1) Clear memories. 2nd Cms.
2) Load known values (you need to enter the interest rate and two of the
other three) into data memories. Periodic Interest Rate, STO 1, Future
Value STO 2, Payment per period, STO 3, Number of periods STO 4.
3) Calculate the unknown value by pressing RST, R/S. The unknown
variable is automatically calculated and displayed.
Line Keycode Instruction 00 15 CLR 01 32 X <> T 02 49 FIX 03 02 2 04 34 RCL 05 01 1 06 54 / 07 02 2 08 19 10^X 09 94 = 10 33 STO 11 00 0 12 34 RCL 13 04 4 14 37 X = T 15 07 7 16 00 0 17 52 ( 18 01 1 19 84 + 20 34 RCL 21 00 0 22 53 ) 23 45 Y^X 24 34 RCL 25 04 4 26 74 - 27 01 1 28 94 = 29 54 / 30 34 RCL 31 00 0 32 37 X = T 33 05 5 34 04 4 35 94 = 36 33 STO 37 03 5 38 20 1/X 39 33 STO 40 06 6 41 34 RCL 42 03 3 43 37 X = T 44 06 6 45 00 0 46 64 * 47 34 RCL 48 05 5 49 94 = 50 33 STO 51 02 2 52 41 R/S 53 42 RST 54 15 CLR 55 34 RCL 56 04 4 57 20 1/X 58 33 STO 59 06 6 60 34 RCL 61 02 2 62 64 * 63 34 RCL 64 06 6 65 94 = 66 33 STO 67 03 3 68 41 R/S 69 42 RST 70 34 RCL 71 00 0 72 54 / 73 34 RCL 74 03 3 75 64 * 76 34 RCL 77 02 2 78 84 + 79 01 1 80 94 = 81 13 LNX 82 33 STO 83 04 4 84 01 1 85 84 + 86 34 RCL 87 00 0 88 94 = 89 13 LNX 90 12 INV 91 30 PROD 92 04 4 93 34 RCL 94 04 4 95 41 R/S 96 42 RST