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U
SER’S GUIDE — 45
(Cont’d)
Find future value in 30 years:
STEPS KEYSTROKES DISPLAY
Enter Term in years 3 0 T 30.00
Recalculate value
in 30 years s l -613,543.75**
Access Beginning Mode via
Preference Settings s = (press = seven times) TYP BEG
Set back to End Mode + TYP END
*Calculator must be set to default of 12 periods per year, for compounding monthly. If
it isn’t, enter 1 2 s ÷.
**Ignore the negative sign; in this case, it is a positive value.
Non-Monthly Loans
Most residential real estate loans are based on a monthly payment
schedule. However, if you have a non-monthly loan, you must
change the number of payments per year using a two-key sequence:
s ÷. For example, here's how to set your calculator to four pay-
ments per year.
STEPS KEYSTROKES DISPLAY
Clear calculator o o 0.00
Enter # of payments/year 4 s ÷ 4.00
To recall the currently stored number of payments:
STEPS KEYSTROKES DISPLAY
Clear calculator o o 0.00
Recall # of payments/year ® ÷ 4.00
IMPORTANT: To return payments per year to the default value
of 12, perform the following steps:
STEPS KEYSTROKES DISPLAY
Clear calculator o o 0.00
Enter # of payments/year 1 2 s ÷ 12.00
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