hp 12c/12c platinum

HP part number F2232-90011



Hp12C/12C platinum

12C 12CP
RPN RPN and ALG
120 130
20 30
99 400

Hp12C/12C platinum

( 1 7 )

2
3
4
5

6 7
8 11
HP 12C/12C platinum
 12 16

.
G

12 16
Hp12c/12c platinum

2
2
3
3
12

1 15

1 16
17
....17
17
...18
...18
. 18
.............18
..............19
RPN ALG ....................19
RPN 20
RPN 21
2 4
......24
..25
..25

2 27
28
..28
28
..29
..........29
 5
31
........31
......32
....33

3 34
35
........35
....35
....35
........36
........37
....39
....39
....40
41
....41
....42
....44
...45
........47
...49
........51
....53

4 56
NPV IRR57
NPV..58
(NPV) .....58
NPV..60
IRR....62
......63
......64
6
66
66
66
67

5 69
70
.70
70
71
..71
72
..73
73
running.......73
......73
..74
Pr Error..74
X Y 74
74
75
75

6 76
77
78
78
79
80
81

7 82
83
 7
84
84
85

2 86

8 87
88
89
90
90
91
000 000 92
93
95
95
96
96
99
101

9 102
103
103
106

10 112
113
114
115
115
116
8
11 119
120
122

3 123

12 124
125
127
128
130
134

13 136
137
137
140
142
144
148
149

14 151
152
152
154
156
157
159

15 161
162
163
 9
164

16 165
30/360 166
169

172

ARPN 173
\ 174
1 7 5
175
175
~ 175
d 176
176
177
177
177
178
LASTx F 178
RPN 179
180
BALG 182
ALG 182
182
ALG 183
183
184
184
185

CIRR186
10

D188
0188
1188
2189
3IRR189
4189
5189
6:190
7IRR191
8191
9191
Pr Error191

E192
192
192
192
192
193
194
.194
.194
194
194
30/360 195
195
196
196
197
197
198
198
 11
198
198
199
199
199
199
199
200
200
200

F201
201
201
201
202
203
205
/206
206
206

G207
207
APR207
207
208
210
211
12

HP 12C/12C
Platinum

1 14

$6000 $500
4
$500 6%

3
n
i
PV
PMT
FV

n4 12 /=48
i6%/12 /=0.5%/
PV
PMT$500
FV0
;1

1. 17 18
 13
F

I!LS
running

fCLEARHf 0.00 2
4gA 48.00
6gC 0.50
500P 500.00
g 500.00
$ -21,396.61
25.35%$5000
2
14
FV

RPN
fCLEARG -21396.61
14 \2n 28.00
5.35\2n 2.68
5000$ -5000.00
M 10470.85 14
14
3
21396.61-10470.85=10925.76
6%14
$10925.75

fCLEARG 10470.85
14gA 168.00
6gC 0.50
10925.76M 10925.76
g 10925.76
P -41.65

46%
$45.00

45P -45.00
I 0.42
12 5.01

HP 12C/ 12C Platinum

 1 17

HP 12C/12C Platinum;1;
8~17

HP 12C/12C Platinum2~3

w
AMORT
f!
12
gA
L
1. ;
18 1

:f
L
CLEAR
H
CLEARHfunction fCLEARH
fgfCLEARX
fgfg

.;;.

109999999
999

 1 19

$178140000000012
1.781412

1.781412 1.7814 12 1781400000000

0
gi000


O X--
fCLEAR R1~R6
fCLEAR
fCLEARG
LAST X--
fCLEARH

RPNALG

HP 12C/12C PlatinumRPNReverse
Polish NotationALGAlgebraic
RPN
ALG
20 1

RPNf]RPNRPN
ALGf[ALGALG
1+2=3
RPN1\2
=
ALG1=
2}
RPN ALG
1 \= 2 1= 2}

RPNALGRPN
B
RPNALG

RPN

RPN
=-z
HP 12C/12C Platinum

\
\

1.
2.\
3.
4.=-z
 1 21

132

RPN
13 13.
\ 13.00 \
2 2.
z 6.50

\0
\
\

\=-z
.fg?
:i

RPN

\
\

HP 12C/12C PlatinumRPN

$1053.00
$58.33$22.92
$13.70$10.14

58.33-22.95-13.70-10.14+1053
 22 1
RPN
58.33 58.33
\ 58.33 \12

22.95 22.95
- 35.38 -12

1
13.70 13.70
- 21.68 -2

10.14- 11.54

1053+ 1064.54 -
-

HP 12C/12C Platinum

-


34+56
12

 1 23

RPN
3\4 12.00 1
5\6 30.00 2
+ 42.00 3
21
256212
56HP 12C/12C Platinum
2
1230
2HP 12C/12C Platinum

2\
212

HP 12C/12C Platinum

3+45+6=77.00
27-14
=0.25
14+38
5
=0.13
3+16+21
2. A

24 1

HP 12C/12C Platinum

4
A
LAST x
20
R0~R9R.0~R.9

7-
-

1.?
2.0~9R0~R90~9R.0~R.9
:
0~9R0~R9.0~.9R.0~R.9

PC$3250
$2500
6PC
PC6PC
PC

3250?1 3250.00 PCR1
2500?2 2500.00 R2
;
 1 25

; 2500.00
:1 3250.00 R1PC
6 19500.00 PC
:2 2500.00 R2
+ 22000.00

XfCLEARH
0.00

HP 12C/12C
Platinum
1.?
2.=-z
3.

26 1

R0~R4
$1053.00
$58.33
$22.92$13.70$10.14

RPN
58.33?0 58.33 R0
22.95? -0 22.95 R0R0

R0
13.70? -0 13.70 R0R0
10.14? -0 10.14 R0R0
1053? +0 1053.00 R0R0
:0 1064.54 R0
 2

28 2

HP 12C/12C Platinumb
Z
4%0.044b

RPN
1.
2.\
3.
4.b
$30014%
RPN
300 300
\ 300.00 \
14 14
b 42.00

\

HP 12C/12C Platinum

$132508%
 2 29

6%
RPN
13250\ 13250.00
8b 1060.00
- 12190.00
6 b 731.40
+ 12921.40

RPN2
1.
2.\
3.
4.

58.553.25
RPN
58.5\ 58.50
53.25 53.25
-8.97

RPN
1.
2.
30 2

3.Z
$3920000
$2360000$1670000

RPN
3.92\ 3.92
2.36= 6.28
1.67 = 7.95
2.36 2.36
Z 29.69

HP 12C/12C Platinum
1.O
2.
3.Z

RPN
O3.92 Z 49.31 49
O1.67 Z 21.01 21

1.
2.\2
3.
4.Z
$7.95

 2 31
RPN
7.95 \ 7.95
2.36 2.36
Z 29.69

HP 12C/12C Platinum

15821015~40461125

M.DYD.MY
Month-Day-Yearg
1.12
2..
3.2
4.4
200447
RPN
4.072004 4.072004
Day-Month-Yearg
1.12
2..
3.2
4.4
200447
32 2
RPN
7.042004 7.042004

--
--

--

HP 12C/12C Platinum

1.\
2.
3.
4.gD

1~7~
2004514120
--

RPN
g 7.04 --



5

 2 33

14.052003\ 14.05 \

120gD 11092004 6 2004911

\1

HP 12C/12C Platinum
1.\
2.g

30/360/
~~

30/M-D-Y
20046320051014

RPN
g 11.09 M-D-Y
6.032004\ 6.03
10.152005g 498.00
~ 491.00 30/
 3

 3 35

24HP 12C/12C Platinum5

n i PV
PMT FV
3

w
$PM

:
w$P M
4

fCLEARG

3.
w$PMA C

4.: M
$:MM$ 2 M$ M $$
$
36 3

fCLEARG

HP 12C/12C Platinum360-day365-day
=

1.w
2.
5
3.$
4.f360-day
5.365-dayd~
6.=
1$45060
7%36060

RPN
60 w 60.00
7 7.00
450 $ -450.00
f 5.25
= 455.25 +
27%
36560

5. $ PV PV

 3 37
RPN
60w 60.00

7 7.00
450 $ -450.00
fd~ 5.18 365
= 455.18 +

$10006%
38 3
2$50

5
n

n=212=24
51~53
niPV
PMTFV
i
i=6%12
PV--
PV=$1000
PMT$50


 3 39

4
NPVIRR
FV--

niPVPMT

-ni

PVPMTFV
+

+

g
g
BEGINBEGIN
40 3

PVPMTFV

 3 41

6%5n=54=20
I=6%4=1.5%n=512=60I=6%12=0.5%
nw
i

g A
g C
12
ww

42 3

1.f CLEARG
2.C
3.$ P M
$

4.PMTgg
5.w

6 n318.15
319.00
7
n
110.5%
$35000$325

6. n 0.005 n
7. n $P M
 3 43
RPN
f CLEAR G
10.5gC 0.88
35000$ 35000.00
325P -325.00
g -325.00
w 328.00
12z 27.33
328
327$325$325

RPN
328w 328.00 a
M 181.89 FV
:P -325.00
= -143.11
a 328
M
327
327
RPN
327w 327.00
M -141.87 FV
:P -325.00
= -466.87 327
2$775
6.25%$50
44 3

$4000

RPN
f CLEAR G
6.25\24z
775$ -775.00
50P -50.00
4000M 4,000.00
g 4,000.00
w 58.00
2z 29.00 29
57$50
$50
RPN
MM 4027.27 58FV
:P -50.00
= 3977.27 57
4000- -22.73 58

1.f CLEAR G
 3 45

2.wA
3.

$
P
M
4.PMTgg
5.
6.
8
$6000$10000

RPN
f CLEAR G
\84w 32.00
6000$ -6,000.00
10000M 10,000.00
1.61
4 6.44

1.f CLEAR G
46 3

2.wA
3.C
4.
P

M
5.PMTgg
6.$
115%4
$150$1500

RPN
f CLEAR G
4g A 48.00
15g C 1.25
150P -150.00
g -150.00
$ 5389.72
1500= 6889.72
2$17500
5$54000012%

 3 47

RPN
f CLEAR G
5w 5.00
12 12.00
17500P 17,500.00
540000M 540,000.00
g 540,000.00
$ -369,494.09

1.f CLEAR G
2.wgA
3.C
4.
$

M
5.PMTgg
6.P
12914.25%$43400
48 3

RPN
f CLEAR G
29gA 348.00
14.25 gC 1.19
43400$ 43,400.00
g 43,400.00
P -523.99

2$600009.75%
15$3200

 3 49
RPN
f CLEAR G
15\2w 30.00
9.75\2z 4.88
3200$ -3200.00
60000M 60,000.00
g 60,000.00
P -717.44

1.f CLEAR G
2.wA
3.C
4.
$

P
5.PMTgg
6.M
12914.25%
$43400$523.99
5
50 3
RPN
f CLEAR G
5gA 60.00
14.25gC 1.19
43400$ 43,400.00
523.99 P -523.99
g -523.99
M -42652.37
2$506.25%
2

RPN
f CLEAR G
2gA 24.00
6.25gC 0.52
50 P -50.00
g -50.00
M 1281.34 2

32%
$320006
 3 51

RPN
f CLEAR G
6w 6.00
2 -2.00
32000$ -32,000.00
M 28,346.96 6

52 3

30/

30365/1230/

iPVPMTFV
LCDC
?C?
C
136$450015%
20042152004
3130/

RPN
f CLEAR G
g
g
?
2.152004 \ 2.15
3.012004 3.012004
g 15.00
~ 16.00 30/
30z 0.53
36=w 36.53
15gC 1.25
4500$ 4,500.00
P -157.03
242$3950
$1202004719200481

 3 53

RPN
f CLEAR G
?
7.192004\ 7.19
8.012004 8.012004
g 13.00
30z 0.43
42=w 42.43
3950 $ 3,950.00
120P -120.00
1.16
12 13.95

HP 12C/12C Platinum

1.f CLEAR G
2.C
3.
$
4.P
5.gg
6.
7.f!
8.~
9.d d
10.: $
11.: w
54 3

$50000
2513.25%$573.35

RPN
f CLEAR G
13.25 gC 1.10
50000 $ 50,000.00
573.35P -573.35
g -573.35
12 f! -6,608.89
~ -271.31
:$ 49,728.69
:w 12.00
f!
12f!
RPN
12 f! -6,570.72
~ -309.48
dd 12.00
:$ 49,419.21
:w 24.00
: $: w
PV
n0

RPN
50000 $ 50000.00
 3 55
0w 0.00 n0
1 f! -552.08
~ -21.27
1 f! -551.85
~ -21.50
:w 2.00

1.
2.w0
3.
$50000
253013.25%

RPN
30g A 360.00
50000$ 50000.00
P -562.89
0w 0.00 n0
1 f! -552.08
~ -10.81
:$ 49989.19
 4

 4 57

HP 12C/12C Platinum
lL

lL
CF01
CF1
6CF6
CF0
CF1CF4

NPV
iNPVIRR
8

8.

58 4

NPV
NPV
NPV

NPV

NPVNPV

IRRIRRNPV
IRR
IRR
IRR

IRR

NPV

NPV

30
30
NPV
J
CF1CF2CFjj1
KgK
n1
CF0
 4 59

-CF0-

1.f CLEARH
2.
gJ0gK
3.
gK0gK
4.
NPV
1.C
2.fl
NPVPV
$8000013%
5$130000
NPV

$4500

60 4
RPN
f CLEARH 0.00
80000gJ -80,000.00 CF0
500gK -500.00 CF1
4500gK 4,500.00 CF2
5500gK 5,500.00 CF3
4500gK 4,500.00 CF4
130000gK 130,000.00 CF5
:w 5.00
13 13.00
fl 212.18 NPV

NPV

NPV
9
HP 12C/12C Platinum30
CF0
31
1~99Nj
CjaNj

99

9.
31 31
 4 61

-CF0-

HP 12C/12C Platinum

1.f CLEARH
2.
gJ0gJ
3.2ga
1
4.
gK0gK
5.
gK1
N
6.
NPV
1.C
2.fl
$79,000
13.5%10$100,000

1 $14,000 6 $9,100
2 $11,000 7 $9,000
3 $10,000 8 $9,000
4 $10,000 9 $4,500
5 $10,000 10 $100,000
$10,000 $9000

62 4
RPN
f CLEARH 0.00 0
79000gJ -79000.00
14000 gK 14000.00
11000gK 11000.00
10000 gK 10000.00
3ga 3.00
9100 gK 9100.00
9000gK 9000.00
2ga 2.00
4500 gK 4500.00
100000 gK 100000.00
:w 7.00
13.5 13.50
fl 907.77

NPV$907.77

IRR

1.IRR
2.fL
IRRi
IRR
running

13.5%NPV
IRR
fL
RPN
fL 13.72
IRR
 4 63

IRR

IRRIRR
NPVNPV
10
0

11
NPV

IRRNPV0IRR
IRRfl

IRR
12

IRRCIRR
13

:
j
jCFj:gK
:gK
-
CF0
Nj
CFjn
:ga

10. 10
NPV 0 IRR
NPV 0
11.
18. IRR 58
64 4

CFj Nj
:ga:gK

NPVIRR
:gKn1
NjCFjn
CF0NPVIRR

NnCFnnn
5
RPN
:5 9,000.00 CF5
5w 5.00 5n
:ga 2.00 2
7w 7.00

RPN
:ga 1.00 N7
:gK 100000.00 CF7
:ga 1.00 N6
:gK 4500.00 CF6
:ga 2.00 N5
:gK 9000.00 CF5

:ga 1.00 N1
:gK 14000.00 CF1
:ga 1.00 N0
:gK -79000.00 CF0
 4 65
7w 7.00

1.
2.?
3.


1.n
2.
3.ga
nNj

CF0NPVIRR

1
2$11000$900013.5%
NPV
RPN
9000? 2 9000.00
13.5 13.5
fl -644.75

2524
NPV

RPN
5w 5.00 5n
4ga 4.00 2
66 4
7w 7.00
fl -1857.21

13
HP 12C/12C Platinum
ES
$100/
30/36016

1.
2.P
3.\
4.
5.fE
PV
~=
20044286.75%201864
8.25%
RPN
8.25 8.25
6.75 P 6.75
g 6.75
4.282004\ 4.28
6.042018 6.042018
fE 87.62
= 90.31

13.
 4 67

1.$
2.P
3.\
4.
5.fS
i
YTMrunning
88.38

RPN
3\ 8z 0.38
88=$ 88.38
6.75P 6.75
4.282003\ 4.28
6.042017 6.042017
fS 8.15

HP 12C/12C PlatinumSLSOYDDB

1.$
2.M00M
3.w
4.
5.
6.
68 4

fV
f
#
V#
~
$100005
$500SL200DB3

RPN
10000$ 10000.00
500M 500.00
5w 5.00
200 200.00
1f# 4000.00 1
~ 5500.00 1
2 f# 2400.00 2
~ 3100.00 2
3 f# 1440.00 3
~ 1660.00 3

13
 5

70 5

HP 12C/12C Platinum
LAST x

1.
2.-;


8g( 000
2
M-D-Y
END
Pr Error

RPN ALG f g BEGIN D.MY C PRGM

 5 71

RPN
19.8745632 \ 19.87
5- 14.87

210

14.8745632

23
35~92130~42

B!V#

14.872
HP 12C/12C Platinum2
f0~9
14.87456320

72 5

f4 14.8746
f1 14.9
f0 15
f9 14.87456320
10

7 10

9.123456-78

2
7

1
1
 5 73

f.
14.87456320

14.87456320 14.87456320
f. 1.487456 01
f
0~9

10fCLEARX10
2X

fCLEARX 1487456320 10
1.487456
f 14.87

running

running

74 5

99
9.99999999910
9.999999 99-9.999999 99
99
-9.99999999910
0
Error
0
Error
Pr Error
Pr Error

XY

25.83\144.25X 144.25
~ 25.83
- 118.42
~

~2
~2

 5 75

gFlast x

$4.381575250

15\ 15.00
4.38 4.38
65.70
75 75.
gF 4.38
328.50
250 250.
gF 4.38
1,095.00
A

429000987
9987987

429000\ 429000.00
9987 9987.
z 42.96
gF 9987.00 z
429000\ 429000.00
987 z 434.65
6

 6 77

HP 12C/12C Platinum
R1~ R6
_f CLEAR
14

_

1.Y
2.\
3.X
4._
_
R11
R2X
R3X
R4Y
R5Y
R6XY

14.
78 6

R1 n
R2 xx
R3 x2x
R4 yy
R5 y2y
R6 xyxy

_gFg^


g^_

_

gXYX
Y~
7

1 32 $17000
2 40 $25000
3 45 $26000
4 40 $20000
5 38 $21000
6 50 $28000
7 35 $15000
 6 79

RPN
f CLEAR 00.00
32\ 32.00
17000_ 1.00 1
40 \ 40.00
25000_ 2.00 2
45\ 45.00
26000_ 3.00 3
40\ 40.00
20000_ 4.00 4
38\ 38.00
21000_ 5.00 5
50\ 50.00
28000_ 6.00 6
35\ 35.00
15000_ 7.00
g 21,714.29
~ 40.00

gvXYX
vY~
xy

RPN
gv 4,820.59
~ 6.03
HP 12C/12C Platinumxy
7

7
80 6

RPN
g 21714.29
_ 8.00
gv 4,463.00 x
~ 5.58 y
gg^

XYYX
XY
1.X
2.gRY
YX
1.Y
2.gRX
48

RPN
48gR 28818.93 48
HP 12C/12C Platinum
rxyr~
rr-11r
0

RPN
~ 0.90
 6 81

y=A+Bx
1.0gRyA
2.1gR~d~-B

RPN
0gR 15.55 yA
1gR~d~- 0.001 B
y=A+Bx
y=15.55+0.001x

1.f CLEAR
2.\_

3.gh
15$1.16
7$1.2410$1.2017
$1.18

h
RPN
f CLEAR 0.00
1.16\15_ 1.00 1
1.24\ 7_ 2.00 2
1.20\10_ 3.00 3
1.18 \17_ 4.00 4
gh 1.19
 7

 7 83

HP 12C/12C Platinum

gr

g>e

ge
84 7

10

10
fB

g
0gF

gT
0gF

0.258
RPN
.258 0.258 258
y 3.88 0.258

RPN
fCLEARX 3875968992 10
3.88 X
fB 3.88
fX 3880000000 10
 7 85
3.88
g 3.00
gF 3.88
gT 0.88

q
1.
2.\
3.
4.q

RPN
1.4
2 2 \1.4q 2.64
-1.4
2 2 \1.4q 0.38
3
-2 2\3q -8.00

1/3 3
2\3yq 1.26
2 2
2

88 8

HP 12C/12C Platinum

1.
2.fs
PRGM

3.fCLEAR

4.RPNALG
5.
25%
$5
$200
RPN
200 200
\ 200.00
25 b 50.00
- 150.00
5 5.
= 155.00
 8 89

RPN
fs 000
fCLEAR 000

200

RPN
\ 001 36
2 002 2
5 003 5
b 004 25
- 005 30
5 006 5
= 007 40

1.fs
PRGM
2.
3.t
$625
$159
RPN
fs 155.00
625 625.
t 473.75
159 159.
t 124.25
90 8

fg?:(

000

HP 12C/12C Platinum0~92

123
4
1~990
b4
00425=7007
 8 91

405xxx
5

fg?:(

g nnn, 43 26
?=1 nnn, 44 40 1
g(000 nnn, 43 , 33 , 000

fs

1.
2.g
12

92 8

fs 000
001 36 001\
002 2 0022
g

g 001 36 001
g 000 000

007

001 36 001

007 40 007
007

008 4333000 008
8g(000

( 000000

7
8(000
000000

000

000
(000008
 8 93

(000001~008
( 000
8 ( 000
000
(000
8

820

310R.97
310 (000
311~316
94 8

317324331
7
7
6317324
( 000

gN

P008 r20

12C: 99 13
(99=8+[137])R0~ R67
12C Platinum: 40056
(400=8+[567])R0~ R67

40012C99
 8 95

-:
:
225

1.g(.
2.g(
.
000

RPN
g(.000 000, 000

RPN
fs 124.25
625 625.
96 8
001, 36 1\
625.00
002, 2 22
2.
003, 5 35
25.
004, 25 4b
156.25
005, 30 5-
468.75
006, 5 65
5.
007, 40 7+
473.75
g
g

HP12C/12C
Platinum ut
/

u1

t

6.75%
R0b
 8 97

gu
uAMOUNTTAX

RPN
6.75?0 6.75 R0
fCLEAR 0.00 R1~R6
13 13.
\ 13.00
68.5 68.5
890.50
98 8
?=1 890.50 R1
:0 6.75
b 60.11
?=2 60.11 R2
= 950.61
?= 3 950.61 R3

RPN
fs 000,
f] 000, RPN
fCLEAR 000,
001,
gu 002, 43 AMOUNT
?=1 003, 44 40
:0 004, 45
b 005,
gu 006, 43 TAX
?= 2 007, 44 40
= 008,
?= 3 009, 44 40
3

RPN
fs 950.61
fCLEAR 0.00 R1~R6
6.75? 0
13 \ 68.5 68.5 1
t 890.50 1
60.11 1
950.61 1
18 \72.9 72.9 2
 8 99
t 1,312.20 2
88.57 2
1,400..77 2
24 \85 85. 3
t 2,040.00 3
137.70 3
2,177.70 3
5 \345 345. 4
t 1,725.00 4
116.44 4
1,841.44 4
:1 5,967.70
:2 402.82
:3 6,370.52

u

t
t
tu
RPN
fs 000,
f] 000, RPN
fCLEAR 000,
001, 20
t 002, 31
?=1 003, 44 40 1
:0 004, 45 0
b 005, 25
t 006, 31
100 8
?=2 007, 44 40 2
= 008, 40
?=3 009, 44 40 3
fs 6,370.52
fCLEAR 0.00 R1~R6
13 \ 68.5 68.5 1
t 890.50
t 60.11
t 950.61 +=
18 \ 72.9 72.9 2
t 1,312.20
t 88.57
t 1,400.77 +=
24 \ 85 85. 3
t 2,040.00
t 137.76
t 2,177.70 +=
5 \ 345 345. 4
t 1,725.00
t 116.44
t 1,841.44 +=
:1 5,967.70
:2 402.82
:3 6,370.52

Error

Error
fs
t
fs
 8 101

1.fs
2.000g(

3.t

/
 9

 9 103

HP 12C/12C Platinum

(go to
(
(

( 000
000(
(000

om

(
(

104 9

om
t

f!112

12.75%30$50000

3
t
RPN
fs 000,
f] 000, RPN
f CLEAR 000
? 001, 44 0 R0

:0 002, 45 0

1AMORT

f! 003, 42 11
gu 004, 43 31
~ 005, 34

gu 006, 43 31
g (002 007,43,33,002 002
003

fs 0.00
f CLEAR G 0.00
 9 105

RPN
30 g A 360.00
12.75 g C 1.06
50000 $ 50000.00
g 50000.00
P -543.35
0w 0.00 n
1 1.
001, 44 0 1? 0
1.00
002, 45 0 2: 0

1.00
003, 42 11 3f!
-531.25
004, 43 31 4gu
-531.25
005, 34 5~
-12.10
006, 43 31 6gu
-12.10
007,43,33,002 7g(002

-12.10
002, 45 0 2: 0
22

1.00
003, 42 11 3f!
-531.12
004, 43 31 4gu
-531.12
106 9
RPN
005,34 5~
-12.23
006,4331 6gu
-12.23
007,43,33,002 7g(002
2
-12.23
t -530.99
-12.36
t -12.36

HP 12C/12C Platinum
oXx
YyA
X
2\Y
4\54Y5X
mX0





 9 107

001
002,

003,

004,
005,
006,

(
(

001
002,
003,
004,
005,
004
006,

007,
007 008,

$20000
20%$2000025%
20000R020
25R1
R2
oXY

108 9

income

income income income income

Ke y s income 007

Line 001 002 003 004

income income income income

tax
Keys
Line # $ % &

1
: 0X
20000XY
A2~XY
AX
Y
005:2007:1XY
~008b20
000Y

RPN
f] 007, 43, 33,
002

fs 007, 43, 33, RPN
002
f CLEAR 000,
: 0 001, 45 0 X
Y
 9 109
RPN
~ 002, 34 X
Y
go 003, 43 34 X
Y
20000
g (007 004, 43, 33, 007
:2 005, 45 2 25%
X
g(008 006, 43, 33, 008 008
:1 007, 45 20%X
b 008,
fs -12.36

R0R1R2

RPN
20000 ? 0 20,000.00 R0
20 ?1 20.00 20%R1
25 ?2 25.00 25%R2
15000 15,000.
X
001, 45 001 :0
20,000.00 X
Y

002, 002~
15,000.00 X
Y
110 9
RPN
003, 43 003 g o
15,000.00
004, 43, 33, 007 o
004
g ( 007
15,000.00
007, 45 1 007 :1
20.00 20% X
Y

008, 25 008b
3,000.00 1500020%3000
20000 20,000.
X

001, 45 0 001 :0
20,000.00 X

Y
002, 34 002 ~
20,000.00 X
Y
003, 43 34 003 go
20,000.00
004, 43, 33, 007 o
004
g( 007
20,000.00
007, 45 1 007: 1
20.00
008, 25 008b
4,000.00 2000020%4000
 9 111

RPN
25000 25,000. X
Y
001, 45 0 001:0
20,000.00 X
Y

002, 34 002o
25,000.00 X
Y
003, 43 003go
25,000.00
005, 45 o
2 005
:2
25.00 25%X
Y

006, 43, 33, 008 006g(008
25.00
008, 25 008b
6,250.00 2500025%6250
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 10 113

10

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ut

1.f s
2.(.

3.
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55

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007
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006, 43, 33, 6

008
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:2 ?6 25.00 R2R6

1.fs

2.g(.

3.

[-]

RPN
fs 000,
f] 000, RPN
g(.008 008, 25
- 009, 30
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 10 115

4
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fs 000,

fs 000, RPN
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g(. 008 008, 25
t 009 31
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fs1 12000.00
15000 t 3000.00
t 12000.00 20%

1.f s
2.g(.

3.g(
4.g(.

5.g(000

6.
7.

8.g(

$7500
000
R3000001:3 ~gog(000

 10 117

RPN
fs 000,
fs 000, RPN
g(.000 000,



g(012 001, 43, 33, 0122
012
g(.010 010, 30
(000
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:3 012, 45 3
~ 013,
go 014, 43 34
g( 000 015, 43,
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(012
001
g( 002 017,43,33,002 2002

fs 12,000.00
7500 ? 3 7,500.00 R3
6500 t 6,500.00


15000 t 3,000.00 15000
t 12,000.00
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20000
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012

000

001

002
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120 11

11

t(

1.fs

2.g(.
32
( 0001
234
3.g(. 0007
( 000
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4.
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6.g(

117
888
2(000
1
 11 121

56
RPN
fs 000,
f] 000, RPN
g(.017 017, 43, 33,
002
g(000 018, 43, 33, 1
\ 019, 36
2 020, 2
5 021, 5
b 022, 25
- 023, 30
5 024, 5
= 025, 40
t 026, 31
g( 019 027, 43, 33,
019
fs 12,000.00

227

9104
3
56
(:0002
:0029(
034
RPN
fs 000,
f] 000, RPN
122 11

g(. 027 027, 43, 33,

019
?0 028, 44 0
:0 029, 45 0
f 030, 42 11

gu 031, 43 31
~ 032, 34
gu 033, 43 31
g( 029 034, 43, 33,

001
1.fs

2.g(3
3.t
19
$625

RPN
fs 12000.00
f] 12000.00 RPN
g(019 12000.00
625 t 473.75
3

 12

 12 125

12

PV

1.gf CLEAR G
2.
a w
b
c$
dP
3.

:$
b-$
:$
-$

:$
b-
-$
4.

5.

1$600002
3011.5%
126 12

RPN
g
f CLEAR G
30 gA 360.00
11.5 gC 0.96
60000$ 60,000.00
P -594.17
:$2 b-$ 58,800.00
0.98
12 11.76

21$150

RPN
g
f CLEAR G
30 gA 360.00
11.5 gC 0.96
60000 $ 60,000.00
P -594.17
:$ 150 -$ 59,850.00
0.96
12 11.53

31$1502

 12 127

RPN
g
f CLEAR G
30 gA 360.00
11.5 gC 0.96
60000$ 60,000.00
P -594.17
:$2 b- 58,800.00
150-$ 58,650.00
0.98
12 11.80

1.gf CLEAR G
2.w
w
3.
4.P
5.$6

6.$
1725%$137176
128 12

$2000
9%

RPN
g
f CLEAR G
72 w 72.00
9 gC 0.75
a
137.17 P 137.17
2000 M$ -8,777.61
2 9.5%26$49350
12%
RPN
g
f CLEAR G
26 gA 312.00
9.5 gC 0.79
49350 $P 427.17
12 gC 1.00
$ -40,801.57

1.gfCLEAR G
2.w
w
 12 129

3.P
4.$
5.M6

6.
7.
1219%$100000
42$79
000
RPN
g
f CLEAR G
21 gA 252.00
9 gC 0.75
100000 $ -100,000.00
P 884.58
:w 252.00
42 -w 210.00
79000 $ -79,000.00
0.97
12 11.68

215

RPN
g
f CLEAR G
21 gA 252.00
9 gC 0.75
130 12
100000 $ -100,000.00
P 884.58

5 gA 60
M 89,849.34 5
:w 60.00
42-w 18.00
79000 $ 1.77
12 21.29

NCPR

NCPR

RPN RPN
f] 032 16
fs 000 M 033 15
f CLEAR 000 t 034 31

M 001 15 d 03533
Ma 002 15 :w 03645 11
:7 00345 7 z 03710
b 004 25 :4 03845 4
- 005 30 - 039 30
 12 131

:w 006 45 11 :. 0 04045 48 0
?0 007 44 0 b 041 25
:$ 008 45 13 :P 042 45 14
f CLEAR 009 42 34 :4 043 45 4
:1 010 45 1 - 044 30
- 011 30 :5 045 45 5
$ 012 13 - 046 30
:3 013 45 3 :8 047 45 8
gC 014 43 12 = 048 40
:2 015 45 2 - 049 30
gA 016 43 050 16
P 017 14 P 051 14
d 018 33 :0 052 45 0
d 019 33 gA 053 43 11
0 020 0 :1 054 45 1
w 021 11 :6 055 45 6
:0 022 45 0 = 056 40
1 023 1 057 16
2 024 2 $ 058 13
025 20 059 12
f! 026 42 11 :gC 060454312
d 027 33 t 061 31
d 028 33 :9 062 45 9
d 029 33 gC 063 43 12
:$ 030 45 13 M 064 15
= 031 40 fs
132 12

n iApprec. PV PMT
FV R0 R1Dwn Pmt R2Life
R3 R4Taxes/Mo R5Improve. R6 Closing
R7%Comm. R8Rent R9 R.0Bracket
R.1
1.
2.?1
3.?2
4.? 3
5.? 4
6.
? 5
7.? 6
8.
? 7
9.? 8
10.? 9
11.?.0
12.f CLEAR Gw
13.
14.$
15.t
16.t
17.t
18.
19.
 12 133

12
4
$70000$7
00012%30$1200
6%2%
10%$110$65
$400
6.25%25%5%

RPN
f CLEAR H 0.00
7000?1 7,000.00
30?2 30.00
12?3 12.00
110?4 110.00
65?5 65.00
1200?6 1,200.00
8?7 8.00
400?8 400.00
6.25?9 6.25
30 ?. 0 30.00
f CLEAR G 30.00
4w 4.00
10 10.00
70000 $ 70,000.00
t 32,391.87 NCPR
t 19.56
t 21,533.79
134 12

$10858.0832391.87-21533.79
6.25%

CF0NPV
1$20000
9
$70006%

RPN
f CLEAR H 0.00
0 gJ 0.00 1
0 gK 0.00 29
8 ga 8.00
7000 gK 7,000.00 1013
4 ga 4.00
6 6.00
f] 15,218.35 NPV
2
6$50012$6006
$750

724

 12 135

NPV

226
$50012$6006$750
13.5%

RPN
f CLEAR H 0.00
500 gJ 500.00 1
gK 500.00 16
5 ga 5.00
600 gK 600.00 718
12 ga 12.00
750 gK 750.00 6
6 ga 6.00
13.5 gC 1.13
f] 12,831.75
13

 13 137

13

RPN RPN
f] - 021 30
fs w 022 11
f CLEAR 000 : 0 023 45 0
1 001 1 gm 024 43 35
2 002 2 g( 035 02543, 33,
= 003 10 : 2 026 45 2
?1 004 44 1 gu 027 43 31
~ 005 34 :0 028 45 0
?2 006 44 2 fV 029 42 23
1 007 1 t 030 31
- 008 30 1 031 1
?0 009 44 0 ?=0 032 44 40
1 010 1 ?= 2 033 44 40
fV 011 42 23 g( 026 03443, 33,
:1 012 45 1 : 2 035 45
013 20 gu 036 43
138 13

?3 014 44 3 :$ 037 45
:$ 015 45 13 :M 038 45
~ 016 34 - 039
- 017 30 : 3 040 45
$ 018 13 g(030 04143, 33,
:w 019 45 11 fs
: 1 020 45 1

n i PVDep. PMT
FVSalvage R0 R1#Mos./12 R2Counter
R31stYr. Dep. R4~R.4
1.
2.f CLEAR G
3.$
4.M
5.w
6.\
7.t
~,:$ : 3 =~-:$-

8.t

9.g(0002
12
+1
33
4
 13 139

1st

3rd


2nd year
4th year

3 year

life

1$150000$25000
$1250002525
$125000
4
1225263

RPN
f CLEAR G
125000$ 125,000.00 0
25 w 25.00
1\ 1.00
4t 1.00
1,666.67
~ 123,333.33
t 2.00
5,000.00
~ 118,333.33
t 3.00
5,000.00
~:$:3
=~- 11,666.67
g( 000
140 13

f CLEAR G 11,666.67
125000 $ 125,000.00
25 w 25.00
25 \ 25.00
4t 25.00
5,000.00 25
~ 3,333.33 25
t 26.00
3,333.33 26
~ 0.00 26
24.5$6730
5

RPN
g( 000
f CLEAR G
6730 $ 6,730.00
5w 5.00
1\ 1.00
4.5 t 1.00
504.75 1

RPN RPN
f] : 0 019 45 0
fs gm 020 43 35
 13 141

f CLEAR 000 g( 031 021 43, 33,

1 001 1 : 2 022 45 2
2 002 2 gu 023 43 31
= 003 10 :0 024 45 0
?1 004 44 1 f# 025 42 25
~ 005 34 t 026 31
?2 006 44 2 1 027 1
1 007 1 ?=0 02844 40 0
- 008 30 ?= 2 02944 40 2
?0 009 44 0 g( 022 030 43, 33,
1 010 1 : 2 031 45 2
f# 011 42 25 gu 032 43 31
: 1 012 45 1 :$ 033 45 13
013 20 :M 034 45 15
?3 014 44 3 - 035 30
:$ 015 45 13 :3 036 45 3
~ 016 34 g( 026 037 43, 33,
- 017 30 fs
$ 018 13

nLife iFactor PV Dep. PMT
FVSalvage R0 R1#Mos./12 R2Counter
st
R31 Yr. Dep. R4~R.4

1.
2.f CLEAR G
142 13

3.$4.M
5.DB
6.w
7.\
8.t
~:$ :3= ~- :$ -

9.t~

10.g( 0002
4$50000
2
6$8000DB150%

RPN
f CLEAR G
50000 $ 50,000.00
8000 M 8,000.00
150 150.00 DB
6w 6.00
2\ 2.00
4t 2.00
11,458.33 2

 13 143

RPN RPN
f] - 021 30
fs 000 w 022 11
f CLEAR 000 :0 023 45 0
1 001 1 gm 024 43 35
2 002 2 g( 035 02543, 33,
= 003 10 : 2 026 45 2
?1 004 44 1 gu 027 43 31
~ 005 34 : 0 028 45 0
?2 006 44 2 f 029 42 24
1 007 1 t 030 31
- 008 30 1 031 1
?0 009 44 0 ?=0 032 44 40
1 010 1 ?=2 033 44 40
f 011 42 24 g(026 03443, 33,
:1 012 45 1 : 2 035 45
013 20 gu 036 43
?3 014 44 3 :$ 037 45
:$ 015 45 13 :M 038 45
~ 016 34 - 039
- 017 30 :3 040 45
$ 018 13 g(030 04143, 33,
:w 019 45 11 fs
: 1 020 45 1

nLife i PV Dep. PMT
FVSalvage R0 R1#Mos./12 R2Counter
144 13
R3 1stYr. R4~R.4
1.
2.f CLEAR G
3.$
4.M
5.w 8
6.\
7.t
~,:$ : 3= ~ -:$ -

8.t~

9.g(0002
$12000
25$500SOYD45
11
RPN
f CLEAR G
12000 $ 12,000.00
500 M 500.00
25 w 25.00
4\ 4.00
11 t 4.00
781.41 4
~ 8,238.71 4
t 5.00
746.02 5
~ 7,492.69 5
 13 145

RPN RPN
f] : 4 048, 45
fs 000 z 049,
f CLEAR 000 go 050, 43
1 001 1 g( 053 051, 43, 33,
2 002 2 g( 065 052, 43, 33,
z 003 10 d 053,
?6 004 44 6 0 054,
:w 005 45 11 :0 055, 45
~ 006 34 go 056, 43
- 007 30 g( 086 057, 43, 33,
?4 008 44 4 :$ 058, 45
d 009 33 :5 059, 45
?0 010 44 0 - 060,
1 011 1 $ 061,
?-0 01244 30 0 1 062,
?2 013 44 2 ?-4 063, 44 30
?3 014 45 3 g( 040 064, 43, 33,
f# 015, 42 25 : 4 065, 45
: 6 016 45 6 w 066,
017 20 0 067,
?1 018 44 1 ?6 068, 44
:$ 019 45 13 1 069,
146 13

~ 020, 34 ?2 070, 44 30
- 021, 30 ?0 071, 44 40
$ 022, 13 : 5 072, 45
\ 023, 36 ?-1 073, 44 30
gF 024, 43 40 :3 074, 45
~ 025, 34 fV 075, 42
:M 026, 45 15 ?=1 076, 44 30
- 027, 30 1 077,
~ 028, 34 ?-0 078, 44 30
:0 029, 45 0 ?= 2 079, 44 40
1 030, 1 ?= 3 080, 44 40
go 031, 43 34 d 081,
g(039 032, 43, 33, : 0 082, 45
d 033, 33 1 083,
d 034, 33 go 084, 43
1 035, 1 g(074 085, 43, 33,
gu 036, 43 31 d 086,
d 037, 33 d 087,
t 038, 31 :2 088, 45
1 039, 1 gu 089, 43
?=2 040, 44 40 d 090,
?-0 041, 44 30 t 091,
f# 042, 42 :6 092, 45
?=1 043, 44 40 gm 093, 43
?5 044, 44 5 g( 074 094, 43, 33,
:$ 045, 45 g( 058 095, 43, 33,
:M 046, 45 fs
- 047,
 13 147

nLife iFactor PV Dep. PMT
FVSalvage R0 R1Dep. R2Counter
R3 R4 R5 R6
1.
2.f CLEAR H
3.$
4.M
5.w
6.DB
7.\
8.t
9.~
10.:1
11.t910

12.g( 0002
$110006
8$500200%DB
17
RPN
f CLEAR H
11000 $ 11,000.00
500 M 500.00
8w 8.00
200 200.00 DB
148 13

1\ 1.00
6t 1.00
1,375.00 1
~ 9,125.00 1
t 2.00
2,406.25 2
t 3.00
1,804.69 3
t 4.00
1,353.51 4
t 5.00
1,015.14 5
t 6.00
761.35 6
t 7.00
713.62 7
:1 9,429.56 7
t 8.00
713.63 8
t 9.00
356.81 9

1.\
2.\
z
 13 149

3.-
7
RPN
9429.56\ 9429.56 7
10500 \ 10500.00
8z 1312.50
6.5 8531.25
- 898.31

IRR

10%~20%
IRR

IRR
IRR3
3IRR3IRR1.8614.35
29IRR

MIRRIRR

1.NFV
2.NPV
3.nPVFVi
150 13

0 1 -180000
1 5 100000
2 5 -100000
3 9 0
4 1 200000

6%10%MIRR

RPN
f CLEAR H 0.00
0 gJ 0.00 1
100000 gK
5 ga 5.00 26
0 gK 5 ga 5.00 5
0 gK 9 ga 9.00 9
200000 gK 200,000.00
10gCfl 657,152.37 NPV
$
20 wM 775,797.83 NFV
180000 gJ
0 gK 5 ga
100000 gK
5 ga
6 gCfl -660,454.55 NPV
20w 0.81 MIRR
12 9.70 MIRR
14

152 14

14

1.gf CLEAR G
2.\
3.? 0-w
4.
5.1 P$:0 =
6.~z,
1$75012
310%

RPN
g
f CLEAR G
12 \ 12.00
3? 0-w 9.00
10 gC 0.83
 14 153
1 P -1.00
$:0 = 11.64
750~z 64.45

HP 12C/12C Platinum

RPN RPN
f] 1 009, 1
fs 000 010, 16
fCLEAR 000, P 011, 14
g 001, 43 $ 012, 13
fCLEAR G 002, 42 :1 013, 45 1
:0 003, 45 = 014, 40
:1 004, 45 :3 015, 45 3
- 005, ~ 016, 34
w 006, z 017, 10
:2 007, 45 fs
008,

n n-#Adv.pmt ii PV PMT-1
FV0 R0n R1#Adv. Pmt. R2i
R3Load R4~ R.7

1.
2.?0
3.? 1
4.?2
154 14

5.?3t
6.2
215%
RPN
12?0 12.00
3?1 3.00
10 \12 z
?2 0.83
750 ? 3 t 64.45
15\ 12 z
?2 t 65.43

3115%

RPN
1 ?1 t 66.86

RPN
g
f CLEAR G
12 w 15gC 1.25
750 P$ 66.86
 14 155

1.gf CLEAR G
2.\
3.?0 - w
4.P
5.:0:P=$
6.
160$25000
$6003

RPN
g
f CLEAR G
60\3
?0 - w 57.00
600 P
25000 : 0 3.00
:P=$ -23,200.00
1.44
12 17.33

HP 12C/12C Platinum

RPN RPN
f] :3 009, 45 3
fs 000, 010, 16
156 14

fCLEAR 000, :1 011, 45 1

g 001, 43 8 :P 012, 45 14
f CLEAR G 002, 42 34 013, 20
:0 003, 45 0 = 014, 40
:1 004, 45 1 $ 015, 13
- 005, 30 016, 12
w 006, 11 :gC 017, 45, 43
:2 007, 45 2 fs
P 008, 14

nn-#Adv. Pmts. iinterest PV PMTPmt.
FV0 R0n R1 Adv. R2Pmt.
R3Load R4~ R.7

1.
2.?0
3.? 1
4.?2
5.?3t
6.2
21$625
RPN
60 ? 0 60.00
3 ?1 3.00
600? 2 600.00
2500 ? 3 t 17.33
 14 157
625 ? 2 t 19.48

RPN RPN
f] M 014, 15
fs 000 :w 015, 45 11
fCLEAR 000, :4 016, 45 4
g 001, 43 8 - 017, 30
f 002, 42 34 w 018, 11
:0 003, 45 0 1 019, 1
w 004, 11 020, 16
:1 005, 45 1 P 021, 14
006, 12 $ 022, 13
:3 007, 45 3 :4 023, 45 4
M 008, 15 = 024, 40
$ 009, 13 :5 025, 45 5
:2 010, 45 2 ~ 026, 34
= 011, 40 z 027, 10
?5 012, 44 5 fs
0 013, 0

n iinterest PV PMT-1
158 14
FVResidual R0#Pmtsn R1i R2Load
R3Residual R4#Adv. Pmt. R5 R6~R.6

1.
2.?0
3.?1
4.? 2
5.? 3
6.?4t
7.2
1$2200048
430%
15%

RPN
48 ? 0
15\
12 z ?1 1.25
22000 ? 2
30 b? 3
4?4t 487.29
 14 159
2118%

RPN
487.29
18 \12 z 1.50
?1t 520.81

1.f CLEAR H
2.gJ

3.gK
ga
4.0gK1ga
5.gKfL
$500036$145
11
$1500
160 14
RPN
f CLEAR H
5000 \
145 \2
=gJ -4,710.00
145gK34 ga 34.00 34
0 gK 0.00 35
1500gK 1,500.00 36
fL 12 18.10
15

162 15

15

1.gf CLEAR G
2.\
3.wz
4.100\$
5.M=
15.25%

RPN
g
f CLEAR G
5.25\ 5.25
4 wz 1.31
100 \
$M= 5.35

RPN
f]
fs 000
f CLEAR \ 000,
 15 163

g 001, 43 8
f CLEAR G 002, 42 34
w 003, 11
z 004, 10
005, 12
1 006, 1
0 007, 0
0 008, 0
009, 16
\ 010, 36
$ 011, 13
M 012, 15
= 013, 40
fs

N i PV0 PMT
FV R0~R9
1.
2.\
3.t
4.2
25.25%12

RPN
5.25\
12 t 5.38
164 15

1.f CLEAR G
2.w
3.100\$
4.=M
5.:w

5.35%
RPN
f CLEAR G
4 w 100 \ $ 100.00
5.35 = -105.35
M 1.31
:w 5.25

1.1\
2.b
3.g>
5.25%
RPN
1 \ 5.25 b
g> 1.05
5.39
16

166 16

16

30/360

30/360/
30/360/6

RPN RPN
f] - 023,
fs 000 :6 024, 45 6
f CLEAR 000, 025,
f CLEAR G 001, 42 :0 026, 45
g 002, 43 7 gm 027, 43
:2 003, 45 2 g(039 028, 43 , 33 ,
2 004, 2 2 029,
z 005, 10 z 030,
P 006, 14 031,
?6 007, 44 6 $ 032,
:5 008, 45 5 033,
= 009, 40 ~ 034,
M 010, 15 - 035,
:3 011, 45 3 gF 036, 43
:4 012, 45 4 ~ 037,
g 013, 43 26 g(000 038, 43 , 33 ,
 16 167

d 014, 33 d 039,
1 015, 1 :1 040, 45
8 016, 8 = 041,
0 017, 0 042,
z 018, 10 $ 043,
w 019, 044,
gT 020, 43 2 045,
1 021, 1 046,
~ 022, fs

ndays/180 iyield/2 PVPrice PMT
FVRed+Cpn./2 R0Yield R1Price R2Coupon
R3Dset R4Dmat R5Redemption R6
R7~ R.3

1.
2.C?
3.? 2
?3
4.MM,DDYYYY
? 4
5.MM,DDYYYY
6.? 5
7.
a.?0
b.t
c.~
168 16

3
8.
a.0 ? 0
b.? 1
c.t
9.3
120048282007
615.5%7.75%
8%100

RPN
?
5.5 ?2 5.50
8.282004? 3 8.28
6.012008 ? 4 6.01
100 ? 5 100.00
7.75?0 7.75
t 92.77
~ 1.33
8 ?0 8.00
t 92.01
~ 1.33
= 93.34

293.375%
92%
 16 169
RPN
93.34
0?0
3\8z
93= ?1 t 7.55
92 ?1 t 8.00

HP 12C/12C Platinum
30/360
/
RPN RPN
f] :5 018, 45 5
fs 000, g 019, 43 26
f CLEAR 000, ?7 020, 44 7
f CLEAR G 001, 42 34 :6 021, 45 6
g 002, 43 8 :4 022, 45 4
: 0 003, 0 g 023, 43 26
w 004, 11 :7 024, 45 7
:2 005, 45 14 z 025, 10
P 006, 14 w 026, 11
: 1 007, 45 1 0 027, 0
008, 12 P 028, 14
:3 009, 45 3 M 029, 15
M 010, 15 030, 16
$ 011, 13 :w 031, 45 11
: 5 012, 45 5 :2 032, 45 2
170 16

013, 26 033, 16
6 014, 6 034, 20
015, 16 t 035, 31
- 016, 30 - 036,
?6 017, 44 6 fs

n iyield PV PMTCpn.0
FV R0 R1yield R2Coupon
R3Redemption R4Settlement R5 Next R6 Last
R7 R8~R.5

30/360/
1923gd
1.?C
2.? 0
3.?1
4.?2
5.? 3
6.? 4
7.? 5
8.t
9.t
10.2
20048156.5%20
2003121
 16 171
RPN
?
20 ? 0 20.00
7?1 7.00
6.5? 2 6.50
100? 3 100.00
8.152003?4 8.15
12.012003? 5 12.01
t -4.58
t -94.75

 ARPN 173

RPN

RPN4HP 12C/12C
Platinum

XYZT
X
X2Y
ZT
1

52

1\
5Y2X

174 ARPN

RPN

\

=\
103103

lost lost

Keys

X
\\
 ARPN 175

1.XY

2.X

.fg?:
(

TX
XY
X:
LASTxF
\O_^AC
X

~
~XY

!XV#
vRQY~Y
X
176 ARPN

d
d

XT
dYZT

Keys

y r> eB
TXX
XX
YLASTxYZT

Key

+-zq bZXY
 ARPN 177

YX
YX
48Y2
X82\

qX
XLASTx
ZYT
ZT

X
XLASTx
YZT
178 ARPN

Key

XYZT

LM
D $wP !
l
T t t x t y
Z t z z x
Y z -PV y PMT PRIN
n,i,PV,PMT
X DATE INT360 P MT I N T
FV,NPV,IRR

E S V#
T y z y
Z x y x/
Y INT x RDV
X PRICE YTM DEP

LASTxF

XLASTx

 ARPN 179
+ - z y

Q > r B

T _ ^ Q

R e b Z

gF\, O_^AC
LASTxXLASTx

RPN

X
Y
174

41
-

3[4+56+7]
180 ARPN

-2123-
6+754

-6+7
ALG
6\ 7= 13.00 6+7
5 65.00 56+7
4= 69.00 [4+56+7]
3 207.00 3[4+56+7]

T
T
X\YZ
YX
T
$84000
3

RPN
2\\\ 2.00 2YZT
84000 84000. X
168000.00 1
336000.00 2
672000.00 3

X
 ARPN 181

$4.381575250


4.38\\\ 4.38 4.38YZT
15 15. X1
65.70 1
O 75 75. X2
328.50 2
O 250 250. X3
1,095.00 3
182 BALG

ALG
HP 12C/12C PlatinumALGf[
ALGALG
ALG
21.1+23.8
ALG
21.1= 21.10
23.8 23.80
} 44.90 }

ALG
77.35- 77.35
90.89} -13.54 }
65gr12} 96.75 6512
z 3.5} 27.64 96.753.5

 BALG 183
ALG
75 -75 75
7.1} -532.50 -757.1
ALG
}
}
75012/360
750 12 } z 360 }
75012 z 360 }
750 12 z 360 }z750 12 }

456-75/18.568/1.9
456-7518.5681.9

ALG
456 - 75 z 381.00
18.5 20.59
68 z 1400.43
1.9} 737.07

b100
100
25 b0.25
20025%200 25 b }50.00

20025%200 -25 b }
150.00
184 BALG

$12507%

ALG
1250=7 b 87.50
} 1337.50

ALG
1.
2.}
3.
4.

35.531.25
ALG
35.5} 35.50
31.25 31.25
-11.97

ALG
1.

2.
 BALG 185

3.Z
$3920000
$2360000$1670000

RPN
3.92 = 3.92
2.36= 6.28
1.67 } 7.95
2.36 2.36
Z 29.69

q
1.
2.q
3.}

ALG
1.4
2 2 q 1.4 } 2.64
-1.4
2 2 q 1.4 } 0.38
3
-2 2q3} -8.00
2 q 3 y} 1.26
21/3 3 2
186 CIRR

C
IRR

IRRIRR
IRR
IRRIRR

1IRR

3Error3Error3IRR

4Error7Error7IRR

Error7
IRR

 CIRR 187

IRR

IRRError3IRR

1.IRR
2.:gt

IRR
:gt
NPVIRR
IRRNPV0
NPV NPV 0
:gtIRR
2
0IRR
NPVNPV:gt
IRR
IRRNPV
IRR:gtIRR
188 D

D


Error0~Error9
0

z X=0
y X=0
r X<0
X0
q Y=0X0
Y=0
Z Y=0
?z 0~4 X=0
e X x<0

?= 0~4
99
?- 0~4 9.99999999910

? 0~4
?z 0~4
A
 D 189
2

n=0
h x=0
v n=0n=1nx2-x2<0ny2-y2<0
R n=0nx2-x2=0
Q n=0ny2-y2=0
R~ [nx2-x2][ ny2-y2]0
Q~
3IRR
C

4

400

(

R5~R9R.0~R.9
5

w PMT-PVi
PMT=FVi
i-100
n
PMT=0n<0

$ i-100
190 D
P n=0
i=0
i-100
YTMPMT
M i-100
! x0
x
l i-100
V n0
n>1010
# x0
x
E PMT<0
S PMT<0

?
:

K n
a
l n>30
L n<0
n>r()
n
a x>99
x<0
x
NjCF0
 D 191

7IRR
C

D
D

E
500
S


9
F
Pr Error



RESET
192 E

%=xx/100
%=100(x)-(y)/(y)
%T=100(x)/(y)

n=
i=
PV=
FV=
PMT=
S=01
I=
INTGn=
FRACn=

 E 193

n=
INTj=j
PRNj=j
PVj=j
j=

n=0
PRN1=PMT- INT1
PV1= PV0+ PRN1

j>1

PRNj=PMT- INTj
PVj= PVj-1+ PRNj
194 E

PVn=PV0+PRN

NPV=
CFj =j

n=
CFj=
IRR=

DYS=f(DT2)-f(DT1)
F(DT)=365(yyyy)+31(mm-1)+dd+INTG(z/4)-x
mm2
x=0
z=(yyyy)-1
mm>2
x=INTG(0.4mm+2.3)
 E 195

z=(yyyy)
INTG=
30/360
DAYS=f(DT2)-f(DT1)
F(DT)=360(yyyy)+30(mm-1) +z
f(DT1)
dd1=31z=30
dd131z= dd1
f(DT2)
dd2=31dd1=3031z=30
dd2=31dd1=<30, z= dd2
dd2<31, z= dd2

DIM=
DSM=
DCS=
E=
DSC=E-DCS=6
N=
CPN=
YIELD=
PRICE=100
RDV=
66
196 E
6

L=

SBV=

SAL=

FACT=

J=

DPNj=j

RDVj=j=RDVj-1-DPNjRDV0=SBV-SAL

RBVj==RBVj-1-DPNjRBV0=SBV

Y1=

 E 197

W=k
F=k

198 E

n=
NFVp=
NFVN=

A=

C=
EFF=
NOM=

 E 199

n=

200 E

0=1

n>1n

=PRICE1+In
I=
n=
=
i
n=
PV=+
PMT=+++%
FV=
=12i
 F 201

HP 12C/12C Platinum3VCR2023

202 F

1.
2.

3.+

4.

5.
Pr Error
 F 203

1.RESET
2.Pr Error
3.

4.

1.;
2.;
15-8888888888
Error9

HP 12C/12C Platinum12
1. HP
204 F

2. HP

3.

4.

5.
a
b
cd
e
6.

7.

8.
 F 205

China +86-10-68002397 support@hpcalc-asia.com

206 F

/
FCC15
Class B
FCC15

0~5532~131F

-40~65-40~149F
per ISO 7779LpA<70dB

 G 207

APR
APRAPR

 208

36

;17 w35 r83

f17 A41 q85
g 17 35 y83
CLEAR X19 C42 e83
fCLEAR X73 $35 >83
P35 83

\20 M35 83

18 !53

19 l59 B84
[0]~[9]2071 l62 85
.1873 J58 T85
OX19 Kj59

V67 ~ 74

=-z20 E66 d176

S67 FANS74178
?2425 a60
:24 67

CLEAR H25 #68

b28 CLEAR77

29 _77
 209

Z30 ^78
78

32 81

31 v79
D32 R80
33 Q80

CLEAR G35 ]20

39 [20
39
210

s/88
N94


CLEAR

t/8999
(
CLEAR 103
( 000
NP008 95
r-2088
( 96
92 101
u1
91 X96
~
91
106
 211

A
Adding instructions 113-116
Advance payments 152,153
Algebreic mode 20,176
! 13,56,169
Amortization 41 ,187
Annual interest rate 42
Annual Percentage Rate 54-55,125,204
Annuities 38
Annuities,deferred 134
Annuity due 40-41
Appreciation 41
APR,See Annunal Percentage Rate
Arithmetic calculations with constants 174
Arithmetic calculations,chain 21-22
Arithmetic calculations,simple 20
Arithmetic operations and the stack 173
Arithmetic,storage register 26
Asterisk indisplay 201
Average See Mean

B
Backstep 91
Balloon payments 43
Battery196
Battery power,low 12,17,196
Battery,installing 200-201
39
BEGIN status indicator 39
212
Bonds 77-69,166 ,189,
Bonds,30/360 day basis30/360 166
Bonds,annual coupon 166
Bonds,corporate 68
Bonds,municipal 68
Bonds,state and local government 68
Bonds,U.S. Treasury 68
Branching 102-110
Branching,adding instructions by 114-116
Branching,conditional 106
Branching,simple 103
91
Buying versus Renting 128

C
C status indicator C 54
Calendar functions 31-34
Calendar functions and the stack 173
J 62
Cash flow diagram 37-41
Cash flow sign convention 36,39
CFj 61,63,65
Cash flows,changing 67
Cash flows,reviewing 64
Cash flows,storing for I and L IL 60,67
Chain calculations 21-24,173,177
18,21,36,60
O 19,30
Clearing display 19
Clearing financial registers 19
Clearing operations ,18
 213
Clearing prefix keys 18
Clearing program memory 19,88
Clearing statistics registers 19,26,71
Clearing X-register X 19
Compound growth 42
Compound interest 42-55,186
Compound interest calculation 12
Compounding periods 41
Conditional branching 106
Conditional test instructions 106
Constants,arithmetic calculatons with 76,174
Continuous compounding 159,192
Continuous effective rate 159
Continuous memory 71
Continuous memory,resetting of 36,40,71,73,92
Q 169
R 169

D
D 31-34
D.MY status indicator D.MY 32
Data storage registers 24-27
Date format 31,71
Dates,days between 33
Dates,future or past 32
Days,between dates 33
# 70,169
Decimal places,rounding 72
Decimal point,changing 18
Declining-balance depreciation 140
Deferred annuities 134
214
Depreciation 69,146
Depreciation,excess 148
Depreciation ,partial year 146
Depreciation,sum-of-the-years-digits 140
Depreciation,with crossover 142-146
Depreciation,declining-balance 138
Digit entry,recovering from errors in 75
Digit entry,termination of 21,168
Discounted cashflow analysis 59
Display 71
Display format,mantissa 73
Display format,standard 73
Display formats,number 72
Display,scientific notation 72
Displaying numbers 35
Displays,special 73
53,169

E
Editing a program 113
Effective interest rate,converting 162
Entry errors 74
Error conditions 74
Error,Pr 74
Errors 74
Errors,in digit entry 74
Excess depreciation 146
19
Exponent 19,83
Exponential 83
 215
F
Factorial 83
Financial registers 35
Financial registers,clearing 35
Fractional 84
Future value 39
Future value,calculating 50
FV 39

GK
( 92
Indicators,status 71
Instructions in program lines 90
13
169
Interest rate,annual 46
Interest,simple 36
Internal rate of return 59
Internal rate of retrun,calculating 64
Internal rate of return,modified 149
Interrupting a program 96
L 13
Keybboard 17

L
LAST X register X-X 71
Leasing 149
Linear estimation 83
Logarithm 83
Looping 103
Low-power indicator 17
216
F 75

M
Mantissa 19,74
Mantissa display Format 74
Mean 78
169
Mean ,weighted 81
memory 24
Memory,program 90
Modes
alegebraic 20
RPN 20
Modified internal rate of return 149
Mortgage,price of 125
Mortgage,yield of 126
Multiple programs 118

N
Negative numbers 18,176
Net amount 28
Net present value 59
Net present value,calculating 60
Nominal interest rate,converting 162
Nomainal rate 159
NPV 59
Number display formats 72
Numbers,keying in 18
Numbers,large 19
Numbers,negative 25
Numbers,storing 25
 217

O
Odd-period calculations 52
Odd-period mode 38
One-number functions 83
One-variable statistics 77
Overflow 74

P
Partial-year depreciation 135
Payment 39,153
Payment amount,calculating 49
Payment mode 39
Payments,advance 152153
Payments,number of 42
Percent difference 29,178
Percent of total 20,178
Percentages 28,177
PMT 39
Populations 80
Power function 85
Pr error Pr 75
Prefix key 17
Present value 38
Present value,calculating 46
PRGM status indicator PRGM 87,88
Program branching 102
Program editing 113
Program lines,displaying 91
Program hoping 103
Program memory 89,90
218
Program mode 88
Program,creating 88
Program,interrupting 96
Program,running 89,120
Program,running one line at a time 92
Program,stopping 96,99
Program,storing 118
Programming 88
Programs,multiple 120
u 96
PV 39

R
Reciprocal 83
Registers 24
Registers,financial 35
Registers,statistics 77
Renting versus Buying 128
Residual 153
E 169
Round 83
B 84
Rounding 7283
RPN mode RPN 20,21,169
Running message 13,64

S
v 169
Samples 80
Savings 162
Scientific notation 73
 219
scientific notation 19
Simple branching 103
Simple interest 36
V 169
169
Square Root 83
Stack 167
Standard deviation 79
Statistics 77
Status indicators 71
? 25
Storage register arithmetic 26
Storage registers,clearing 25
Storing numbers 35
Storing programs 120
Straightline depreciation 135
Sum-of-the-years-digits depreciation 142

TZ
Two-variable statistics 77
Underflow 74
Weighted mean 81
~ 75