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22 Time-Value-of-Money and Amortization Worksheets
TVM and Amortization Worksheet Variables
Note: This guidebook categorizes calculator variables by the method of
entry. (See “Types of Worksheet Variables” on page 17.)
Using the TVM and Amortization Variables
Because the calculator stores values assigned to the TVM variables until
you clear or change them, you should not have to perform all steps each
time you work a problem.
• To assign a value to a TVM variable, key in a number and press a TVM
key (,, -, ., /, 0).
• To change the number of payments (
P/Y), press &[, key in a
number, and press !. To change the compounding periods (C/Y),
press &[ #, key in a number, and press !.
• To change the payment period (
END/BGN), press & ], and then
press & V.
• To compute a value for the unknown variable, press %, and then
press the key for the unknown variable.
Variable Key Display Type of Variable
Number of periods ,
N
Enter-or-compute
Interest rate per year -
I/Y
Enter-or-compute
Present value .
PV
Enter-or-compute
Payment /
PMT
Enter-or-compute
Future value 0
FV
Enter-or-compute
Number of payments per year & [
P/Y
Enter-only
Number of compounding
periods per year
#
C/Y
Enter-only
End-of-period payments & ]
END
Setting
Beginning-of-period
payments
& V
BGN
Setting
Starting payment & \
P1
Enter-only
Ending payment #
P2
Enter-only
Balance #
BAL
Auto-compute
Principal paid #
PRN
Auto-compute
Interest paid #
INT
Auto-compute