HP 12c Quick Start Manual
Contents
1. Korean Notice 0 IIE WSBCHLS AAMIAGSSS OVILA F B3 YESA 2 ISM AOE AS SACS OHH PE ARONA At 38 UASU 30 Getting Started Disposal of Waste Equipment by Users in Private Household in the European Union Chemical Substances This symbol on the product or on its packaging indicates that this product just not be disposed of with your other household waste Instead it is your responsibility to dispose of your waste equipment by handing it over to a designated collection point for the recycling of waste electrical and electronic equipment The separate collection and recycling of your waste equipment at the time of disposal will help to conserve natural resources and ensure that it is recycled in a manner that protects human health and the environment For more information about where you can drop off your waste equipment for recycling please contact your local city office your household waste disposal service or the shop where you purchased the product HP is committed to providing our customers with information about the chemical substances in our products as needed to comply with legal requirements such as REACH Regulation EC No 1907 2006 of the European Parliament and the Counci2. Functions Display Description Turn calculator on off mon page 16 blo bal LS Turns calculator on Pressing again turns the calculator off The calculator turns off automatically 8 to 17 minutes after it was last used The low battery symbol appears when battery power is nearly exhausted Refer to the section below titled Replacing the Batteries for instructions on replacing the batteries Number display format 4 ite page 71 Press and release B followed by a number 0 9 to specify the number of digits displayed to the right of the decimal point The default setting is two places to the right of the decimal point Getting Started 3 Table 1 1 Basic Functions Functions Display Description Digit separator page 17 23455 1 The default separator is a comma see above 2 Turn the calculator off first by pressing on 3 Press and hold and then press and release to change the digit separator from a comma to a point 4 Perform the same steps again to change the point to a comma Payment mode 37 Amr page 37 Like Li BEGIN Press to set the payment mode for cash flow problems Use Begin mode for payments occurring at the beginning of the compounding period Note the BEGIN indicator appears Press for payments occurring at the end of the compounding period End mode is the default setting 4 Getting Started Table 1
3. gold above a key press the gold prefix key EN then press the function key s To specify the alternate function printed in blue on the lower face of a key press the blue prefix key MEW then press the function key Pressing the or prefix key furns on the corresponding status indicator forg in the display After a function key is pressed the indicator turns off Note how function keys for bonds depreciation and clearing are grouped together under brackets printed above the keys in gold Unless otherwise indicated press and release the desired key or key combination in order from left to right You do not need to press and hold the keys as with a computer or typewriter There are a total of six status indicators that appear along the bottom of the display and signify the status of the calculator for certain opera tions When applicable the descriptions below identify when an indica tor appears on screen In this manual the highlighted portion of the key symbol or symbols rep resents the active function of the key Functions above the keys are spelled out and preceded by the function key Customizing the Calculator Table 1 1 lists some of the basic functions available for customizing the calculator The pages of the HP 12c Financial Calculator User s Guide 2 Getting Started are included for reference Refer to these pages of the user s guide for more information Table 1 1 Basic Functions
4. 1 Basic Functions Functions Calendar format Month day year M DY or day month year D MY pages 29 31 175 and 187 Display Description 6 ri rn F to Press or ER to set the date format The default setting is M DY The screen above shows December 3 2010 in M DY format Press E aad Key in one or two digits for the month Press Key in two digits for the day Key in four digits for the year NTER Note at this point pressing displays the date in the selected number display format 3 0 D MY 1 For day month year press 4 Note the D MY indicator appears see above Key in one or two digits for the day Press En Key in two digits for the month Key in four digits for the year Press En na Getting Started 5 Table 1 1 Basic Functions Functions Compound interest pages 39 53 186 Display Description mn mn m LIL Ll C Press followed by dates separated by to specify the compound interest option for odd period calculations of interest i Present Value PV Payment PMT and Future Value FV Note the C indicator appears The default setting performs calculations for PV PMT and FV using simple interest Press id again to return to the default setting Program mode page 88 mr LS LS PRGM Press Pr P
5. 10 969 6421 support Grenada 1 800 711 2884 Guadelupe 0 800 990 011 800 711 2884 Guatemala 1 800 999 5105 Guyana 159 800 711 2884 Haiti 183 800 711 Honduras 800 0 123 800 2884 711 2884 Hong Kong 852 2833 1111 Hungary www hp com support Indonesia 65 6100 6682 Ireland 01 605 0356 Italy 02 754 19 782 Jamaica 1 800 711 2884 Japan 81 3 6666 9925 Kazakhstan www hp com support Latvia www hp com Lebanon www hp com support support Lithuania www hp com Luxembourg 2730 2146 support Malaysia 65 6100 6682 Martinica 0 800 990 011 877 219 8671 Mauritius www hp com Mexico 01 800 474 support 68368 800 HP INVENT Getting Started 25 Country Hotline Phone Country Hotline Phone Montenegro www hp com Montserrat 1 800 711 2884 support Morocco www hp com Namibia www hp com support support Netherland 001 800 872 2881 Netherlands 020 654 5301 Antilles 800 711 2884 New Zealand 0800 551 664 Nicaragua 1 800 0164 800 711 2884 Norway 23500027 Panama 001 800 711 2884 Paraguay 009 800 541 Peru 0 800 10111 0006 Philippines 65 6100 6682 Poland www hp com support Portugal 021 318 0093 Puerto Rico 1 877 232 0589 Romania www hp com Russia 495 228 3050 support Saudi Arabia www hp com Serbia www hp com support support Singapore 65 6100 6682 Slovakia www hp com support South Africa 0800980410 South Korea 2 561 2700 Spain 913753382 St Vincent 01 800 711 2884 26 Getting Starte
6. HP 12c Financial Calculator Quick Start Guide Edition 1 HP Part Number F2230 90201 Legal Notices This manual and any examples contained herein are provided as is and are subject to change without notice Hewlett Packard Company makes no warranty of any kind with regard to this manual including but not limited to the implied warranties of merchantability non infringement and fitness for a particular purpose Hewlett Packard Company shall not be liable for any errors or for incidental or conse quential damages in connection with the furnishing performance or use of this man val or the examples contained herein Copyright O 2008 Hewlett Packard Development Company L P Reproduction adaptation or translation of this manual is prohibited without prior written permission of Hewlett Packard Company except as allowed under the copy right laws Hewlett Packard Company 16399 West Bernardo Drive San Diego CA 92127 1899 USA Printing History Edition 1 October 2008 Table of Contents Welcome to your HP 12c Financial Calculator 1 O eR ees 1 Customizing the Calculator uec 2 Storage Registers and Continuous Memory 7 Reverse Polish Notation RPN Mode 7 TR AA A ae iae 10 Basic Financial Calculation Example pp 18 Warranty and Contact Information Ne 20 Replacing the Batteries c ccscceceessecesseeeeceeeeeeeeecntee
7. PT AS INDI CATED ABOVE IN NO EVENT WILL HP OR ITS SUPPLIERS BE LIABLE FOR LOSS OF DATA OR FOR DIRECT SPECIAL INCIDENTAL CONSEQUENTIAL INCLUD ING LOST PROFIT OR DATA OR OTHER DAMAGE WHETHER BASED IN CON TRACT TORT OR OTHERWISE Some countries States or provinces do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you The only warranties for HP products and services are set forth in the express war ranty statements accompanying such products and services HP shall not be liable for technical or editorial errors or omissions contained herein FOR CONSUMER TRANSACTIONS IN AUSTRALIA AND NEW ZEALAND THE WARRANTY TERMS CONTAINED IN THIS STATEMENT EXCEPT TO THE EXTENT LAWFULLY PERMITTED DO NOT EXCLUDE RESTRICT OR MODIFY AND ARE IN ADDITION TO THE MANDATORY STATUTORY RIGHTS APPLICABLE TO THE SALE OF THIS PRODUCT TO YOU 22 Getting Started Customer Care In addition to the one year hardware warranty your HP calculator also comes with one year of technical support If you need assistance HP customer care can be reached by either email or telephone Before calling please locate the call center nearest you from the list below Have your proof of purchase and calculator serial number ready when you call Telephone numbers are subject to change and local and national telephone rates may apply For more support information please visit the web at www hp c
8. R to set the calculator to Program mode When the calculator is in Program mode functions are not executed when they are keyed in but instead are stored inside the calculator Note the PRGM indicator appears Press Pr P R again to exit Program mode See page 88 of the HP 12c Financial Calculator User s Guide for more information on programming basics 6 Getting Started Storage Registers and Continuous Memory Numbers data are stored in memories called registers Special regis ters are used for storing numbers during calculations the stack regis ters and the Last X register which is used for storing the last number in the display before operations are performed in RPN mode Numbers are stored automatically in these registers There are also registers in which you can manually store data designated Ro through R Ro through R o and financial registers used for financial calculations All these storage registers make up the calculator s Continuous memory All information in the Continuous memory is preserved even while the cal culator is turned off To reset the memory and clear all of the registers and return the calculator s settings to their defaults turn the calculator off and while holding down a press With Pr Error dis played press any key to return to the default calculator screen Reverse Polish Notation RPN Mode The following information is a brief overview of how RPN works F
9. d Country Hotline Phone Country Hotline Phone St Kitts 8 Nevis 1 800 711 2884 St Lucia 1 800 478 4602 St Marteen 1 800 711 2884 Suriname 156 800 711 2884 Swaziland www hp com Sweden 08 5199 2065 support Switzerland 022 827 8780 Switzerland 01 439 5358 Switzerland 022 567 5308 Taiwan 852 2805 2563 Thailand 65 6100 6682 Trinidad amp Tobago 1 800 711 2884 Tunisia www hp com Turks 8 Caicos 01 800 711 2884 support UAE www hp com United Kingdom 0207 458 0161 support Uruguay 0004 054 177 US Virgin Islands 1 800 711 2884 USA 800 HP INVENT Venezuela 0 800 474 68368 0 800 HP INVENT Vietnam 65 6100 6682 Zambia www hp com support Getting Started 27 Product Regulatory amp Environment Information Federal Communications Commission Notice This equipment has been tested and found to comply with the limits for a Class B digital device pursuant to Part 15 of the FCC Rules These limits are designed to provide reasonable protection against harmful interference in a residential installa tion This equipment generates uses and can radiate radio frequency energy and if not installed and used in accordance with the instructions may cause harmful interference to radio communications However there is no guarantee that interference will not occur in a particular installation If this equipment does cause harmful interference to radio or television reception which can be determined by turning the e
10. eeneeeee 20 HP Limited Hardware Warranty and Customer Care 20 Limited Hardware Warranty Period RN 21 General Terns su nemo Mente oe 21 GUstoOMer CE eR ended clvetaeaveiudeageesuacereveustads 23 Product Regulatory amp Environment Informgfion 28 Contents Contents Getting Started Welcome to your HP 12c Financial Calculator This booklet is intended to get you started quickly with the basic features of your 12c Financial Calculator Use it for quick reference For more detailed information about the 12c Financial Calculator refer to the HP 12c Financial Calculator User s Guide Pages of the user s guide are cited throughout this manual and it is highly recommended you refer to the user s guide to thoroughly familiarize yourself with the many features of your calculator The Keys Many keys on the HP12c Financial Calculator perform more than one function The primary function of a key is indicated by the characters printed in white on the upper face of the key The alternate function s of a key are indicated by the characters printed in gold above the key and the characters printed in blue on the lower face of the key See Figure 1 Prefix Function gold TN PRICE Primary Te se Function 9 Prefix Function blue Figure 1 Getting Started 1 To specify the primary function printed on the upperface of a key press the key alone e To specify the alternate function printed in
11. herwise Cash flow specified page 61 ES SOYD Calculates depreciation using the sum of the years digits method page 68 Depreciation DB Calculates depreciation using the declining balance method page 68 Depreciation Getting Started 17 Basic Financial Calculation Example Table 1 4 illustrates how easily you can perform financial calculations using the HP 12c Financial Calculator For more examples and informa tion on financial problems including cash flows and using cash flow diagrams refer to section three of the HP 12c Financial Calculator User s Guide titled Basic Financial Functions Calculate the monthly payment amount on a 30 year loan of 125 000 00 with a 6 9 annual interest rate compounded monthly Assume payments occur at the end of the compounding period Table 1 4 Loan Payment Example Keys Display Description GB FN Arr LIL LS Clears financial registers Press if you want to return to the default screen see above END arr LIL LS Sets payment mode to End This step is optional unless the Begin indicator is lit as End mode is the default setting 18 Getting Started Keys Display Description 6 9 elle A En 0 38 12 Enters the annual interest rate in terms of the basic compounding period 6 9 divided by 12 months per year 3 6 o n 766 00 Enters the number of monthly c
12. l A chemical information report for this product can be found at http www hp com go reach Perchlorate Material special handling may apply This calculator s Memory Backup battery may contain perchlorate and may require special handling when recycled or disposed in California Getting Started 31 REHA RT SSF RARE HERRERA UER 44 Pb Hg Cd AME SRE Sia Cr PBB PBDE PCA X 0 0 0 0 0 0 SJ 11363 2006 X SJIT11363 2006 X RoHS 2003 1 27 2002 95 EC BES 32 Getting Started
13. o the right of the display 1 is for Monday 7 is for Sunday pages 29 30 Key in the earlier date and press En Key in the ADYS later date and press Calculates the Calculates date and days from a starting date Number of days between two dates number of days between two dates in actual days To display date based on a 30 day month press after the steps listed above page 31 Calculates the square root of the number displayed 5 in the X register page 83 Square root ye Raises the number in the Y register to the power of the number in the X register Key in a number x Power function Press a Key in the exponent followed by E page 85 Calculates the reciprocal of the number displayed in s the X register page 83 Reciprocal Getting Started 13 Table 1 3 Keys and Functions Key s Factorial Description and Page Number in the User s Guide Calculates factorial of number displayed in the X register page 83 X Natural antilogarithm Raise e to power of the number displayed in the X register page 83 e T Calculates natural logarithm base e of the number in the displayed X register page 83 IN EB RND Round Rounds mantissa of 10 digit number in X register to match the display page 83 Integer function INTG Leaves only the integer portion of the number displayed in the X register by truncating fractional porti
14. om support Table 1 5 Customer Care Country Hotline Phone Country Hotline Phone Algeria www hp com Anguila 1 800 711 2884 support Antigua 1 800 711 2884 Argentina 0 800 555 5000 Aruba 800 8000 800 Australia 1300 551 664 or 711 2884 03 9841 5211 Austria 01 360 277 1203 Bahamas 1 800 711 2884 Barbados 1 800 711 2884 Belgium 02 620 00 86 Belgium 02 620 00 85 Bermuda 1 800 711 2884 Bolivia 800 100 193 Botswana www hp com support Brazil 0 800 709 7751 British Virgin 800 711 2884 Islands Bulgaria www hp com Canada 800 HP INVENT support Getting Started 23 Country Hotline Phone Country Hotline Phone Cayman Island 1 800 711 2884 Chile 800 360 999 China 010 58301327 Columbia 01 8000 51 4746 8368 01 8000 51 HP INVENT Costa Rica 0 800 011 0524 Croatia www hp com support Curacao 001 800 872 2881 Czech Republic 296 335 612 800 711 2884 Denmark 82 33 28 44 Dominica 1 800 711 2884 Dominican 1 800 711 2884 Equador 1999 119 800 Republic 711 2884 Andinatel 1 800 225 528 800 711 2884 Pacifitel Egypt www hp com El Salvador 800 6160 support Estonia www hp com Finland 09 8171 0281 support France 01 4993 9006 French Antilles 0 800 990 011 800 711 2884 French Guiana 0 800 990 011 800 711 2884 24 Getting Started Germany 069 9530 7103 Country Hotline Phone Country Hotline Phone Ghana www hp com Greece 2
15. ompounding periods n for a 30 year loan 12 payments per year x 30 CR EN ER 25 000 08 CFo FV Y Enters the present value of the loan arr Aut LA Enters the future value of the loan after is has been paid off 0 00 Getting Started 19 Keys Display Description PMT 823 25 Calculates monthly payment amount Note the sign is negative it is money you pay out Warranty and Contact Information Replacing the Batteries The calculator uses two 3 Volt CR2032 Lithium batteries The low battery symbol appears when battery power is nearly exhausted Use only fresh batteries when replacing the battery Do not use rechargeable batteries To install a new battery 1 With the calculator turned off slide the back cover off 2 Remove only one battery at a time 3 Remove one of the old batteries and replace it with a new battery with the positive polarity symbol facing outward 4 Remove the other old battery and replace if with a new battery with the positive polarity symbol facing outward S Replace the back cover Warning There is danger of explosion if the battery is incorrectly replaced Replace only with the same or equivalent type recommended by the manufacturer Dispose of used batteries according to the manufacturer s instructions Do not muti late puncture or dispose of batteries in fire The batteries can burst or explode
16. on It replaces each digit to the right of the decimal point by 0 The original number can be recalled by pressing B page 83 Fracti functi FRAC onal on Leaves only the fractional portion of the number displayed in the X register by truncating the integer portion It replaces each digit to the left of the decimal point by O The original number can be recalled by pressing i page 84 14 Getting Started Table 1 3 Keys and Functions Key s EB INT Simple interest Description and Page Number in the User s Guide Calculates simple interest page 33 n Compounding Stores or calculates number of compounding periods in financial problems page 35 periods Multiplies a number in displayed X register by 12 and stores the value in the i register page 39 ea Stores or computes interest rate per compounding Interest rate per compounding period period pages 32 36 gt UEM Divides number in displayed X register by 12 and stores the resulting value in the i register page 39 PV Present value Stores or calculates the present the initial cash flow value of a financial problem pages 32 36 PMT Payment Stores or calculates the payment amount pages 32 36 Getting Started 15 Table 1 3 Keys and Functions Key s Ni Future value Description and Page Number in the User s Guide Stores or calculates the future val
17. or more detailed information about RPN and how the stack works refer to the HP 12c Financial Calculator User s Guide In RPN mode numbers are entered first separated by pressing a followed by an operation key Pressing is optional after entering a number if the next key pressed is an operation Each time you press an operation or function key in RPN the answer is calculated immediately and displayed For example suppose you wanted to add two numbers in RPN 1 and 2 Press nrag Getting Started 7 8 The result 3 00 is calculated and displayed immediately There are four special registers used for storing numbers during calcula tions which are stacked on top of one another Called the stack these registers are designated X Y Z and T X is on the bottom and T is on the top Unless the calculator is in Program mode the number in the dis play is the number in the X register Primarily the numbers in the X and Y registers are the numbers used in calculations The Z and T registers are used for the automatic retention of intermediate results during chain calculations The key separates numbers in the vertical stack and positions them in the X and Y registers and in addition to displaying intermediate results this vertical arrangement of the stack allows you to copy and rearrange numbers without reentering them For more complex prob lems requiring two or more operations you do not need to enter paren theses to se
18. quipment off and on the user is encouraged to try to correct the inter ference by one or more of the following measures Reorient or relocate the receiving antenna Increase the separation between the equipment and the receiver Connect the equipment into an outlet on a circuit different from that to which the receiver is connected Consult the dealer or an experienced radio or television technician for help Modifications The FCC requires the user to be notified that any changes or modifications made to this device that are not expressly approved by Hewlett Packard Company may void the user s authority to operate the equipment Declaration of Conformity for products Marked with FCC Logo United States Only This device complies with Part 15 of the FCC Rules Operation is subject to the fol lowing two conditions 1 this device may not cause harmful interference and 2 this device must accept any interference received including interference that may cause undesired operation 28 Getting Started If you have questions about the product that are not related to this declaration write to Hewlett Packard Company PO Box 692000 Mail Stop 530113 Houston TX 77269 2000 For questions regarding this FCC declaration write to Hewlett Packard Company PO Box 692000 Mail Stop 510101 Houston TX 77269 2000 or call HP at 281 514 3333 To identify your product refer to the part series or model number located on the produc
19. releasing hazardous chemicals HP Limited Hardware Warranty and Customer Care This HP Limited Warranty gives you the end user customer express limited war ranty rights from HP the manufacturer Please refer to HP s Web site for an exten 20 Getting Started sive description of your limited warranty entitlements In addition you may also have other legal rights under applicable local law or special written agreement with HP Limited Hardware Warranty Period Duration 12 months total may vary by region please visit www hp com support for latest information General Terms HP warrants to you the end user customer that HP hardware accessories and sup plies will be free from defects in materials and workmanship after the date of pur chase for the period specified above If HP receives notice of such defects during the warranty period HP will at its option either repair or replace products which prove to be defective Replacement products may be either new or like new HP warrants to you that HP software will not fail to execute ts programming instructions after the date of purchase for the period specified above due to defects in material and workmanship when properly installed and used If HP receives notice of such defects during the warranty period HP will replace soft ware media which does not execute its programming instructions due to such defects HP does not warrant that the operation of HP products will be uninte
20. rrupted or error free If HP is unable within a reasonable time to repair or replace any prod uct to a condition as warranted you will be entitled to a refund of the purchase price upon prompt return of the product with proof of purchase HP products may contain remanufactured parts equivalent to new in performance or may have been subject to incidental use Warranty does not apply to defects resulting from a improper or inadequate maintenance or calibration b software interfacing parts or supplies not sup Getting Started 21 plied by HP c unauthorized modification or misuse d operation outside of the published environmental specifications for the product or e improper site prepa ration or maintenance HP MAKES NO OTHER EXPRESS WARRANTY OR CONDITION WHETHER WRIT TEN OR ORAL TO THE EXTENT ALLOWED BY LOCAL LAW ANY IMPLIED WAR RANTY OR CONDITION OF MERCHANTABILITY SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE IS LIMITED TO THE DURATION OF THE EXPRESS WARRANTY SET FORTH ABOVE Some countries states or provinces do not allow limitations on the duration of an implied warranty so the above limita tion or exclusion might not apply to you This warranty gives you specific legal rights and you might also have other rights that vary from country to country state to state or province to province TO THE EXTENT ALLOWED BY LOCAL LAW THE REMEDIES IN THIS WARRANTY STATEMENT ARE YOUR SOLE AND EXCLUSIVE REMEDIES EXCE
21. t Canadian Notice This Class B digital apparatus meets all requirements of the Canadian Interfer ence Causing Equipment Regulations Avis Canadien Cet appareil num rique de la classe B respecte toutes les exigences du R glement sur le mat riel brouilleur du Canada European Union Regulatory Notice This product complies with the following EU Directives Low Voltage Directive 2006 95 EC e EMC Directive 2004 108 EC Compliance with these directives implies conformity to applicable harmonized European standards European Norms which are listed on the EU Declaration of Conformity issued by Hewlett Packard for this product or product family This compliance is indicated by the following conformity marking placed on the product Getting Started 29 C C Exxx O This marking is valid for non Telecom This marking is valid for EU non products and EU harmonized Telecom harmonized Telecom products Notified products e g Bluetooth body number used only if applicable refer to the product label Hewlett Packard GmbH HQ TRE Herrenberger Srasse 140 71034 Boeblingen Germany Japanese Notice VCC 1 B
22. t operational priority Key in numbers and operations inside the parentheses first followed by those outside of the parentheses If a problem has more than one set of parentheses start by working with the operations and numbers in the innermost parentheses and work out For example in RPN mode calculate 3 4 x 5 6 See Table 1 2 Although this is a simple example you can use the principles introduced here when working with more complex problems Getting Started Table 1 2 RPN Example Keys Display Description 3 ENTERE 4 LSTX mm lobul LA Enters numbers and operation from the first set of parentheses The sum 7 is displayed and stored in the X register 5 GS 6 LSTX crn LL Enters the numbers and operation from the second set of parentheses The sum 11 is stored in the X register and displayed and 7 moves up to the Y register ta a 4 4 rr LS LS Finishes the operation and displays the results Stores 77 in the X register Getting Started 9 Keys used to rearrange the stack e Pressing the key exchanges the numbers in the X and Y registers pages 74 and 172 e Pressing the key performs a roll down of the stack where each number in the registers is copied into the register below and the number formerly in the X register is copied into the T register page 172 e Pressing recalls the number displayed before the pre
23. ters Leaves program memory untouched Not programmable page 24 Getting Started 11 Table 1 3 Keys and Functions Key s Description and Page Number in the User s Guide GB PREFIX ie E EN ES E or Ga cancels or key page 17 Cancel sto Press Band key in the register number 0 9 for registers Ro Rg or ER 0 9 for registers R o R g to Store store displayed number in a specified storage register Also used to perform storage register arithmetic pages 23 24 RCL To recall a number from a storage register into the display press SN then key in the register number Recall This copies the number from the storage register into the display page 23 Key in b ber Press Hii Key in th e ey in base number ress UE ey in the percentage Press E Calculates x of y page Percentage 26 ENTER A Key in the base numbers separated by BABY Press A page 27 2 a 5 o O 3 difference T Enter a total amount Press rel Key in the number x whose percentage equivalent you wish to find Percent of total Press En Calculates percent that x is of the number in Y register page 28 12 Getting Started Table 1 3 Keys and Functions Key s Description and Page Number in the User s Guide Key in start date and press Ea Key in the number DATE of days from entered date if date is in the past press a Press Bc Displays date and the day of the week as a number 1 7 t
24. ue final cash flow of a financial problem pages 32 36 AMORT Amortization Amortizes x number of periods using values stored in Ea ah Ea and the display Updates and page 54 EB NPV Net Present Value Calculates the net present value of up to 20 uneven cash flows and initial investment using stored values with Ea e and a page 58 EB RR Internal Rate of Return Calculates the internal rate of return yield for up to 20 uneven cash flows and initial investment using values stored in Ea By and TA page 63 CFo Initial cash flow Stores contents of displayed X register in Ro initializes n to zero sets Ng to 1 Used Cash flow at the beginning of a discounted cash flow problem page 57 Cash flow j Stores the contents of X register in Ry SE increments n by 1 and sets Ny to 1 Used for alll Cash flow cash flows except the initial cash flow in a discounted cash flow problem page 59 16 Getting Started Table 1 3 Keys and Functions Key s Description and Page Number in the User s Guide SL Calculates depreciation using straight line method page 68 Depreciation PRICE Calculates bond price given desired yield to maturity page 67 Bond price YTM Calculates yield to maturity given bond price Bond yield page 67 Stores the number of times from 1 to 99 each cash Ni flow occurs as Nj Assumes 1 unless ot
25. vious operation back into the displayed X register pages 74 and 176 Keys and Functions Table 1 3 lists some of the keys used for basic operations mathematical calculations and financial problems Use this table for quick reference The pages of the HP 12c Financial Calculator User s Guide are included for reference For a complete list of functions including the keys used for statistics and programming refer to the user s guide Table 1 3 Keys and Functions Key s Description and Page Number in the User s Guide ENTER Enters a copy of number in displayed X register into Y register Used to separate numbers in RPN Enter pages 19 171 Arithmetic operators pages 19 20 22 10 Getting Started Table 1 3 Keys and Functions Key s Description and Page Number in the User s Guide CHS Changes sign of number or exponent displayed in the X register page 17 Change sign EEX For very large or very small numbers Enter the Enter exponent mantissa After pressing E the next numbers keyed in are exponents of 10 page 18 CLY Clear Clears contents of display and X register to zero page 18 EN gt Clear statistics Clears statistics registers RyR and stack registers page 76 EFN Clear financial Clears contents of financial registers page 33 EBREG Clear all registers Clears all storage registers financial registers stack X Y Z and T and statistics regis
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