Hp 12c financial calculator

hp 12c financial calculator

user's guide

H

Edition 4 HP Part Number 0012C-90001

File name: hp 12c_user's guide_English_HDPMBF12E44 Printed Date: 2005/7/29

Page: 1 of 209 Dimension: 14.8 cm x 21 cm

Notice

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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 CO. SHALL NOT BE LIABLE FOR ANY ERRORS OR FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MANUAL OR THE EXAMPLES CONTAINED HEREIN.

? Copyright 1981, 2004 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 copyright laws.

Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego, CA 92123

Printing History

Edition 4

August 2004

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File name: hp 12c_user's guide_English_HDPMBF12E44 Printered Date: 2005/7/29

Page: 2 of 209 Dimension: 14.8 cm x 21 cm

Introduction

About This Handbook

This hp 12c user's guide is intended to help you get the most out of your investment in your hp 12c Programmable Financial Calculator. Although the excitement of acquiring this powerful financial tool may prompt you to set this handbook aside and immediately begin "pressing buttons," in the long run you'll profit by reading through this handbook and working through the examples it contains.

Following this introduction is a brief section called Making Financial Calculations Easy--which shows you that your hp 12c does just that! The remainder of this handbook is organized basically into three parts:

z Part I (sections 1 through 7) describes how to use the various financial, mathematics, statistics, and other functions (except for programming) provided in the calculator:

z Section 1 is about Getting Started. It tells you how to use the keyboard, how to do simple arithmetic calculations and chain calculations, and how to use the storage registers ("memories").

z Section 2 tells you how to use the percentage and calendar functions.

z Section 3 tells you how to use the simple interest, compound interest, and amortization functions.

z Section 4 tells you how to do discounted cash flow analysis, bond, and depreciation calculations.

z Section 5 tells you about miscellaneous operating features such as Continuous Memory, the display, and special function keys.

z Sections 6 and 7 tell you how to use the statistics, mathematics, and number-alteration functions.

z Part II (sections 8 through 11) describe how to use the powerful programming capabilities of the hp 12c.

z Part III (sections 12 through 16) give you step-by-step solutions to specialized problems in real estate, lending, savings, investment analysis, and bonds. Some of these solutions can be done manually, while others involve running a program. Since the programmed solutions are both self-contained and step-by-step, you can easily employ them even if you don't care to learn how to create your own programs. But if you do start to create your own programs, look over the programs used in the solutions: they contain examples of good programming techniques and practices.

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File name: hp 12c_user's guide_English_HDPMBF12E44 Printed Date: 2005/7/29

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4 Introduction

z The various appendices describe additional details of calculator operation as well as warranty and service information.

z The Function Key Index and Programming Key Index at the back of the handbook can be used as a handy page reference to the comprehensive information inside the manual

Financial Calculations in the United Kingdom

The calculations for most financial problems in the United Kingdom are identical to the calculations for those problems in the United States -- which are described in this handbook. Certain problems, however, require different calculation methods in the United Kingdom than in the United States. Refer to Appendix F for more information.

For More Solutions to Financial Problems

In addition to the specialized solutions found in Sections 12 through 16 of this handbook, many more are available in the optional hp 12c Solutions Handbook. Included are solutions to problems in lending, forecasting, pricing, statistics, savings, investment analysis, personal finance, securities, Canadian mortgages, learning curves in manufacturing, and queuing theory. A Solutions Handbook is available online (calculators).

File name: hp 12c_user's guide_English_HDPMBF12E44 Printered Date: 2005/7/29

Page: 4 of 209 Dimension: 14.8 cm x 21 cm

Contents

Introduction.................................................................... 3

About This Handbook .....................................................................3 Financial Calculations in the United Kingdom.....................................4 For More Solutions to Financial Problems...........................................4

Part I. Problem Solving ......................................... 15

Section 1: Getting Started............................................. 16

Power On and Off........................................................................16 Low-Power Indication..............................................................16

The Keyboard ..............................................................................16 Keying in Numbers ................................................................17 Digit Separators ....................................................................17 Negative Numbers ................................................................17 Keying in Large Numbers .......................................................18 The CLEAR Keys ....................................................................18

Simple Arithmetic Calculations .......................................................19 Chain Calculations .......................................................................20 Storage Registers..........................................................................23

Storing and Recalling Numbers ...............................................23 Clearing Storage Registers......................................................24 Storage Register Arithmetic .....................................................24

Section 2: Percentage and Calendar Functions ................ 26

Percentage Functions.....................................................................26 Percentages ..........................................................................26 Net Amount ..........................................................................27 Percent Difference ..................................................................27 Percent of Total ......................................................................28

Calendar Functions.......................................................................29 Date Format ..........................................................................29 Future or Past Dates................................................................30 Number of Days Between Dates ..............................................31

Section 3: Basic Financial Functions ............................... 32

The Financial Registers ..................................................................32 Storing Numbers Into the Financial Registers .............................32 Displaying Numbers in the Financial Registers ...........................32

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