HP 20b Business Consultant Financial Calculator User Manual Page 38
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Time Value of Money30
Figure 2 The Menu Map for the Amortization Menu
Enter the values for the TVM keys for the example below. Press A followed by < or
> to view the amortization schedule.
Table 3-3 Amortization Menu Items
Menu Item/Key Description
A
Opens the Amortization menu (Amort).
Nb Period Number of periods to group together in the amortization calculation. The
default value is the number of payments per year defined by the
[ key.
Start Period on which to start amortization. Default is 1. If you want to amortize for
the second year with 12 payments per year, enter 13 (the second year starts at
the 13
th
payment with 12 payments per year).
Balance The loan balance at the end of the assigned amortized period.
Principal Amount of the loan payment applied to the principal at the end of the
amortized period.
Interest Amount of the loan payment applied to the interest at the end of the amortized
period.
A
Nb Per
Start
Balance
DWN
Principal
Interest
- HP 20b Business Consultant 1
- HP 30b Business Professional 1
- Legal Notice 2
- Keyboard Map Legend 5
- Table of Contents 7
- Selecting a Language 9
- Two Line Display 10
- until the 11
- <<< 12
- << 12
- Basic Features 13
- Annunciators 14
- The Input Key 14
- The Equals Key 14
- Editing and Clearing Entries 15
- The On/CE Key 15
- The Reset Menu 15
- Notes about Special Menus 16
- Memory and the Memory Menu 16
- Accessing Menus and Menu Maps 16
- or > 17
- returns 17
- with that 17
- Basic Features10 18
- Mathematical Functions 19
- Number Entry and Display 19
- Chain Mode 20
- Algebraic Mode 20
- I or = are valid 21
- I, this 22
- + changes the 22
- <<<< 23
- Mathematical Calculations 25
- Mathematical Calculations18 26
- Random number 27
- The Math Menu 27
- I on any of these items to 28
- The Probability Sub-menu 29
- Binomial Functions 31
- Two-Number Functions 31
- Storing and Recalling Numbers 32
- Recall Arithmetic 32
- returns 0.25 33
- % to add or subtract x % 34
- - returns 150, or 200-25% 34
- 3 Time Value of Money 35
- :x. Press < or > 37
- A. The Amortization 37
- V, M and [ 37
- A followed by < or 38
- I to reset, or O to cancel 40
- :& 41
- O once again 42
- Canadian Mortgage Example 44
- as 1 is the default 45
- Cash Flow Example 46
- P and IRR R 49
- Cash Flows42 50
- Editing Cash Flows 52
- Sample Cash Flow Diagrams 54
- = to calculate it 56
- Bond Calculation Example 57
- O again to exit the menu 58
- :(HOLD)B 59
- The Black-Scholes Menu 60
- (the Black-Sholes key) 60
- = in the 61
- to scroll through the menu 62
- :(HOLD) B 63
- to scroll to the 64
- 8 Date Calculation 65
- 9Break-even 67
- The Percent Calculation Menu 69
- repeatedly to scroll to the 69
- Percent Calculation Examples 70
- to reset the menu, or O to 72
- 11 D e p r e c i a t i o n 73
- The Depreciation Menu 74
- Depreciation Example 75
- 12 Statistical Operations 77
- The Data and Stats Menus 78
- Statistics Example 80
- :z<< 82
- 13 Programming 83
- : and simultaneously 83
- : >or< 84
- Programming Example 85
- Program Step 0 86
- : and the < 87
- Programming80 88
- Figure 2 88
- (HOLD) 89
- Sub-Function Call 90
- and (HOLD) functions 90
- .05003:$1 91
- Messages 92
- (HOLD) . If you want to 93
- Programming86 94
- Table 13-4 94
- Digit Description 94
- Programming88 96
- 14 E rro r M e s s a g e s 97
- Replacing the Batteries 99
- Regulatory Information 100
- Modifications 101
- Canadian Notice 101
- Avis Canadien 101
- Japanese Notice 102
- Korean Notice 102
- Contact Information 103
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