Hp 12c Platinum Financial Calculator

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hp 12c platinum financial calculatoruser's guideHEdition 4HP part number F2232-90001File name: hp 12c pt user's guide English HDPMF123E27Page: 1 of 275Printed Date: 2005/8/1Dimension: 14.8 cm x 21 cm

NoticeREGISTER YOUR PRODUCT AT: www.register.hp.comTHIS MANUAL AND ANY EXAMPLES CONTAINED HEREINARE PROVIDED “AS IS” AND ARE SUBJECT TO CHANGEWITHOUT NOTICE. HEWLETT-PACKARD COMPANY MAKESNO WARRANTY OF ANY KIND WITH REGARD TO THISMANUAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIEDWARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENTAND FITNESS FOR A PARTICULAR PURPOSE.HEWLETT-PACKARD CO. SHALL NOT BE LIABLE FOR ANYERRORS OR FOR INCIDENTAL OR CONSEQUENTIALDAMAGES IN CONNECTION WITH THE FURNISHING,PERFORMANCE, OR USE OF THIS MANUAL OR THEEXAMPLES CONTAINED HEREIN. Copyright 1981, 1982, 1999, 2002-2005 Hewlett-PackardDevelopment Company, L.P. Reproduction, adaptation, or translationof this manual is prohibited without prior written permission ofHewlett-Packard Company, except as allowed under the copyrightlaws.Hewlett-Packard Company4995 Murphy Canyon Rd,Suite 301San Diego, CA 92123Printing HistoryEdition 4MarchFile name: hp 12c pt user's guide English HDPMF123E27Page: 2 of 275Printed Date: 2005/8/1Dimension: 14.8 cm x 21 cm2005

IntroductionAbout This HandbookThis hp 12c platinum user's guide is intended to help you get the most out of yourinvestment in your hp 12c platinum Programmable Financial Calculator. Althoughthe excitement of acquiring this powerful financial tool may prompt you to set thishandbook aside and immediately begin “pressing buttons,” in the long run you’llprofit by reading through this handbook and working through the examples itcontains.Following this introduction is a brief section called Making Financial CalculationsEasy—which shows you that your hp 12c platinum does just that! The remainder ofthis handbook is organized basically into three parts:zPart I (sections 1 through 7) describes how to use the various financial,mathematics, statistics, and other functions (except for programming)provided in the calculator:zSection 1 is about Getting Started. It tells you how to use the keyboard,how to do simple arithmetic calculations and chain calculations, andhow to use the storage registers (“memories”).zSection 2 tells you how to use the percentage and calendar functions.zSection 3 tells you how to use the simple interest, compound interest, andamortization functions.zSection 4 tells you how to do discounted cash flow analysis, bond, anddepreciation calculations.zSection 5 tells you about miscellaneous operating features such asContinuous Memory, the display, and special function keys.zSections 6 and 7 tell you how to use the statistics, mathematics, andnumber-alteration functions.zPart II (sections 8 through 11) describes how to use the powerfulprogramming capabilities of the hp 12c platinum.zPart III (sections 12 through 16) gives you step-by-step solutions tospecialized problems in real estate, lending, savings, investment analysis,and bonds. Some of these solutions can be done manually, while othersinvolve running a program. Since the programmed solutions are bothself-contained and step-by-step, you can easily employ them even if you don’tcare to learn how to create your own programs. But if you do start to createyour own programs, look over the programs used in the solutions: theycontain examples of good programming techniques and practices.3File name: hp 12c pt user's guide English HDPMF123E27Page: 3 of 275Printed Date: 2005/8/1Dimension: 14.8 cm x 21 cm

4IntroductionzThe various appendices describe additional details of calculator operation aswell as warranty and service information.zThe Function Key Index and Programming Key Index at the back of thehandbook can be used as a handy page reference to the comprehensiveinformation inside the manual.Financial Calculations in the United KingdomThe calculations for most financial problems in the United Kingdom are identical tothe calculations for those problems in the United States — which are described inthis handbook. Certain problems, however, require different calculation methods inthe United Kingdom than in the United States. Refer to Appendix G for moreinformation.For More Solutions to Financial ProblemsIn addition to the specialized solutions found in Sections 12 through 16 of thishandbook, many more are available in the optional hp 12c platinum SolutionsHandbook. Included are solutions to problems in lending, forecasting, pricing,statistics, savings, investment analysis, personal finance, securities, Canadianmortgages, learning curves in manufacturing, options pricing, and queuing theory.The solutions handbook is available online at the hp 12c platinum website.HP would like to thank the following for their contribution:Gene Wright, Lipscomb University, Nashville, TN, USAandTony Hutchins, Wellington, NZJordi Hidalgo, Barcelona, SpainFile name: hp 12c pt user's guide English HDPMF123E27Printed Date: 2005/8/1Page: 4 of 275Dimension: 14.8 cm x 21 cm

ContentsIntroduction. 3About This Handbook .3Financial Calculations in the United Kingdom.4For More Solutions to Financial Problems.4Part I:Problem Solving . 15Section 1: Getting Started . 16Power On and Off.16Low-Power Indication.16Adjusting the Display Contrast.16The Keyboard .16Keying in Numbers .17Digit Separators .17Negative Numbers .17Keying in Large Numbers .18Backspacing .18The CLEAR Keys .19Undo Operation .20The RPN and ALG Keys .20Simple Arithmetic Calculations in RPN Mode .21Simple Arithmetic Calculations in ALG Mode .22Chain Calculations in RPN Mode .23Chain Calculations in ALG Mode .26Parentheses Calculations .26Storage Registers.27Storing and Recalling Numbers .27Clearing Storage Registers.29Storage Register Arithmetic .29Section 2: Percentage and Calendar Functions . 31Percentage Functions.31Percentages in RPN Mode .31Percentages in ALG Mode .32Net Amount in RPN Mode .33Net Amount in ALG Mode .33Percent Difference .34Percent of Total in RPN Mode.355File name: hp 12c pt user's guide English HDPMF123E27Page: 5 of 275Printed Date: 2005/8/1Dimension: 14.8 cm x 21 cm

6ContentsPercent of Total in ALG Mode . 36Calendar Functions . 37Date Format . 37Future or Past Dates. 38Number of Days Between Dates . 40Section 3: Basic Financial Functions .41The Financial Registers . 41Storing Numbers into the Financial Registers . 41Displaying Numbers in the Financial Registers . 41Clearing the Financial Registers . 42Simple Interest Calculations. 42Financial Calculations and the Cash Flow Diagram. 44The Cash Flow Sign Convention. 46The Payment Mode . 46Generalized Cash Flow Diagrams . 47Compound Interest Calculations. 49Specifying the Number of Compounding Periods and the PeriodicInterest Rate . 49Calculating the Number of Payments or Compounding Periods . 49Calculating the Periodic and Annual Interest Rates. 55Calculating the Present Value . 56Calculating the Payment Amount . 58Calculating the Future Value . 60Odd-Period Calculations . 63Amortization . 69Section 4: Additional Financial Functions. 72Discounted Cash Flow Analysis: NPV and IRR . 72Calculating Net Present Value (NPV) . 73Calculating Internal Rate of Return (IRR) . 78Reviewing Cash Flow Entries. 79Changing Cash Flow Entries. 80Bond Calculations . 82Bond Price . 82Bond Yield . 83Depreciation Calculations . 84Section 5: Additional Operating Features .86Continuous Memory. 86The Display. 87File name: hp 12c pt user's guide English HDPMF123E27Printed Date: 2005/8/1Page: 6 of 275Dimension: 14.8 cm x 21 cm

Contents7Status Indicators .87Number Display Formats .87Scientific Notation Display Format .88Special Displays .90TheKey in RPN Mode.90TheKey in RPN Mode .91Arithmetic Calculations With Constants .91Recovering From Errors in Digit Entry.92Section 6: Statistics Functions . 93Accumulating Statistics .93Correcting Accumulated Statistics .94Mean .94Standard Deviation.96Linear Estimation .97Weighted Mean.99Section 7: Mathematics and Number-Alteration Functions. 100One-Number Functions .100The Power Function in RPN Mode .102The Power Function in ALG Mode .102Part II: Programming . 103Section 8: Programming Basics . 104Why Use Programs?.104Creating a Program.104Running a Program.106Program Memory .108Identifying Instructions in Program Lines .108Displaying Program Lines.109The000 Instruction and Program Line 000 .112Expanding Program Memory .112Setting the Calculator to a Particular Program Line .114Executing a Program One Line at a Time .114Interrupting Program Execution.117Pausing During Program Execution .117Stopping Program Execution .122Section 9: Branching and Looping .125Simple Branching .125File name: hp 12c pt user's guide English HDPMF123E27Printed Date: 2005/8/1Page: 7 of 275Dimension: 14.8 cm x 21 cm

8ContentsLooping. 126Conditional Branching . 129Section 10: Program Editing . 139Changing the Instruction in a Program Line . 139Adding Instructions at the End of a Program. 140Adding Instructions within a Program . 142Adding Instructions by Replacement . 142Adding Instructions by Branching . 144Section 11: Multiple Programs. 149Storing Another Program . 149Running Another Program. 153Part III: Solutions . 155Section 12: Real Estate and Lending. 156Annual Percentage Rate Calculations With Fees. 156Price of a Mortgage Traded at a Discount or Premium. 159Yield of a Mortgage Traded at a Discount or Premium . 161The Rent or Buy Decision . 163Deferred Annuities . 169Section 13: Investment Analysis.171Partial-Year Depreciation. 171Straight-Line Depreciation. 171Declining-Balance Depreciation .176Sum-of-the-Years-Digits Depreciation . 180Full- and Partial-Year Depreciation with Crossover . 184Excess Depreciation . 191Modified Internal Rate of Return. 192Black-Scholes Formula for Valuing European Options. 194Section 14: Leasing . 202Advance Payments. 202Solving for Payment. 202Solving for Yield . 206Advance Payments With Residual . 209Solving for Payment. 209Solving for Yield . 212File name: hp 12c pt user's guide English HDPMF123E27Printed Date: 2005/8/1Page: 8 of 275Dimension: 14.8 cm x 21 cm

Contents9Section 15: Savings . 213Nominal Rate Converted to Effective Rate .213Effective Rate Converted to Nominal Rate .215Continuous Rate Converted to Effective Rate.216Section 16: Bonds . 21730/360 Day Basis Bonds .217Annual Coupon Bonds .222Appendices . 227Appendix A: RPN and the Stack. 228Getting Numbers Into the Stack: TheKey.229Termination of Digit Entry .230Stack Lift.230Rearranging Numbers in the Stack .230TheKey .230TheKey .230One-Number Functions and the Stack .231Two-Number Functions and the Stack.231Mathematics Functions .231Percentage Functions . 232Calendar and Financial Functions.233The LAST X Register and theKey .234Chain Calculations in RPN Mode .234Arithmetic Calculations with Constants .235Appendix B: Algebraic Mode (ALG) . 237Simple Arithmetic Calculations in ALG Mode . 237Keying in Negative Numbers () .238Chain Calculations in ALG Mode .238TheKey in ALG Mode .239The History Stack in ALG Mode.239Parentheses Calculations .240Percentage Functions.241Percent Difference .241Percent of Total .

File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 1 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm hp 12c platinum financial calculator user's guide H Edition 4 HP part number F2232-90001 . File name: hp 12c pt_user's guide_English_HDPMF123E27 Page: 2 of 275 Printed Date: 2005/8/1 Dimension: 14.8 cm x 21 cm Notice REGISTER YOUR PRODUCT AT: www.register.hp.com THIS MANUAL .

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