NPrimary Keys
2NDSecond Function
CPTCompute
5Number Entry
CLR TVMClear Functions
⚡ Essential Setup — Do This Before Every Problem
Clear TVM Memory
2NDCLR TVM
Erases all 5 TVM variables. Do this EVERY time!
Set P/Y and C/Y
2NDP/Y1ENTER
Keep P/Y = 1. Manually adjust rate and periods instead.
Check BGN/END Mode
2NDBGN
Use END for ordinary annuities (most problems). BGN for annuity due.
Time Value of Money (TVM)
Future Value (Lump Sum)
How much will my investment grow to?
Present Value (Lump Sum)
What's a future amount worth today?
Loan Payment
What's my monthly payment?
FV of Annuity (Savings)
How much will regular deposits grow to?
PV of Annuity
What's a stream of payments worth today?
Finding Interest Rate
What return did I earn?
Bond Calculations
Bond Price
What should I pay for this bond?
Yield to Maturity (YTM)
What return does this bond offer?
Capital Budgeting
Net Present Value (NPV)
Does this project add value?
Internal Rate of Return (IRR)
What's the project's percentage return?
Quick Reference
Clear TVM
2NDCLR TVM
Clears N, I/Y, PV, PMT, FV
Clear CF Worksheet
CF2NDCLR WORK
Clears all cash flows
Set P/Y = 1
2NDP/Y1ENTER
Keep at 1, adjust manually
Toggle BGN/END
2NDBGN2NDSET
BGN = annuity due
Change Sign
+/−
Toggle positive/negative
Recall Value
RCLPV
View stored value