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Getting Started
Note: Your Calculator is powered with
a long-life, Lithium battery to assure
uninterrupted service.
(See “Battery Replacement” below for
change-out procedure.)
Power On and Off
[ON] Pressing this key and holding it
a second turns the calculator on. This key
is also used to clear all calculations, which
is accomplished with a tap.
[OFF] Turns the calculator off. The unit also
has an auto power-off feature which turns
the unit off after 5 minutes of non-use.
[CE] Tapping this key clears only the last
entry without clearing the problem.
Note: The Lithium battery in this calculator
should be replaced approximately every 2 years.
Battery Replacement
Features
Calculate the Time and Value of Money
(Savings, Automobile and Mortgage Loans).
Interest Calculations
Business Profit analysis (cost, sell & margin)
Currency conversions
Tax Calculations
Savings Calculations
Built-in 3-key Memory Functions
Auto Power-Off -- Turns Unit off After
5 Minutes Idle
Slip Cover -- Slips the Unit Out of the “Base”,
Reverse it, and Slide it Back in the Base to Store.
Integrated Flip-Down Stand, for Easy Viewing
Adjustment
Operation Manual
Number of years
Annual yield
Future value
Calculate
Save $
Compute
Future $
No. of
Years
Annual Yield
%
Month
/Year
Number of
compound
periods a year
Monthly installment
Loan calculations
Number of years
Interest rate
Monthly payment
Calculate
Loan $
Compute
Pay $
No of
Years
Interest Rate
%
Month
/Year
Number of
compound
periods a year
Mortgage amount
Your Financial Calculator
is designed to be reliable
and easy to use.
This manual will provide clear
instructions for all product
functions.
An Affordable, 12-Digit Multi-function
Calculator with Built-in Software
Components.
1. Slide the unit out of its case and turn
the unit over,face down.
2. Use a small head
screwdriver to loosen
two screws on battery
compartment cover
and remove the cover
(see diagram).
3. Use a small head
screwdriver to push up
old battery.
(see diagram)
4. Replace the lithium
battery (CR-2025),
making sure the positive
(+) side is up.
5. Replace the cover
and screws.
[Compute] [Future$]
$22’ 161.10
[Save $]
[No. of Years]
[Annual Yield %]
[Month/Year]
Press--
Making 12
payments
a year
12
At 4%
interest rate
4
10
For 10 years
Save $150
a month
150
How much money will I have if I save $150
a month at 4% for the next 10 years?
Calculating the Time Value
of Money
Savings calculations
[Compute] [Pay$]
Automotive
Loan
Number of
years to pay
Interest Rate
12 payments
a year
Press--
$344.70
[Month/Year]
12
[Interest Rate%]
8%
[No. of Years]
5
[Loan $]
$17,000
You have your eye on a new car.
The cost of the car is $22,000, and
your down payment will be $5,000.
You will be financing $17,000 at 8%.
What will your payments be?
Calculating an automobile loan
You are buying a $120,000 Town House.
Your down payment is 10% ($12,000), and you
will be financing $108,000 at 8% for 30 years.
What is your payment?
[Compute] [Pay$] $792.47
Home Loan of $108,000 [Loan $]
Number of years
to pay 30 [No. of Years]
Interest Rate 8%
[Interest Rate %]
12 payments
a year 12 [Month/Year]
Press--
A word about mortgage payments (PITI)
A mortgage payment will include the mortgage
payment principal and interest, in this case
$792.47. It will also include the monthly real
estate taxes and insurance payment (Divide
the annual rate by 12 to get the monthly rate).
For Example:
Annual taxes at $2,400, and annual insurance
at $600 = $200 monthly tax payment + a $50
monthly insurance payment. Adding these to
the total payment of $792.47 give us a total
monthly payment of $1,042.47 (This is called
Principal + Interest + Taxes + Insurance or PITI.)
How to compute the mortgage
payment you can afford
Industry guidelines indicate that a consumer
should spend about 28% of his monthly
income on housing. If your combined
family monthly income is $6,000, you can
afford a mortgage payment (PITI) of $1,680.
(Other payments. like credit card and car
payments, installment loans, etc., should not
exceed 36% of your gross family monthly income.)
How much loan can I get with
a PITI of $1,680
[Compute] [Loan $] $228’956.27
Enter Payment $1,680 [Pay $]
Number of years
to pay 30 [No. of Years]
Interest Rate 8%
[Interest Rate%]
12 payments
a year 12 [Month/Year]
Press--
Loan Calculations
Calculating a mortgage
$6,000 [X] 28 [%] $1’680
Financial Calculator
Model AT-10
FINANCIAL
OFF
$
$
$
$
SAVING
LOAN
ON
Tax Set
Margin
Sell
Cost
Cost
Cost
Sell
Sell
Tax
Tax
Margin
Margin
Foreign
Rate Set
Currency Converter
AT-10
Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD