HP 10bII+ Financial Calculator User manual

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User manual

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i
HP 10bII+ Financial Calculator
User’s Guide
HP Part Number: NW239-90001
Edition 1, May 2010
ii
Legal Notice
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. In this regard, HP shall not be liable
for technical or editorial errors or omissions contained in the manual.
Hewlett-Packard Company 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 exam-
ples contained herein.
Copyright © 2010 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
Palo Alto, CA
94304
USA
iii
HP 10bII+ Financial Calculator
iv
Keyboard Map Legend
Number
(row of keys)
Primary Functions
(white)
SHIFT Down \
(orange functions on
key bevel)
SHIFT Up ]
(blue functions above
keys)
1 12 character, seven-
segment screen display
2 Time Value of Money
(TVM)
Payments per year,
interest conversion,
amortization,
Bond calculations
3 Input key, markup, cost,
price and margin
Date and change of
days, IRR per year, NPV,
beginning/end of
payment period
Calendar and coupon
payment schedules,
settlement and maturity
dates (bonds)
4 K memory register,
percent, cash flow
amount, statistics entry,
backspace
Swap, percent change,
cash flow count, delete
statistics, round
Break-even calculation
5 Change sign, recall
and memory
Scientific notation, store,
clear statistics,
parentheses
Depreciation,
hyperbolic and
trigonometric functions
6 Shift (blue, up)
Shift (orange, down)
7 Numbered keys: 1, and
4-9
Statistics, weighted
mean and estimation
Statistical functions and
regression modes
8 Clearing functions Clearing functions Clearing functions
9On Off Operating modes
10 Numbered keys: 0 and
2-3, decimal
Common mathematical
functions
Probability functions
11 Mathematical functions Common mathematical
functions, parentheses
Trigonometric functions
12 A nn u n ci a t or s
1
Table of Contents
Legal Notice...............................................................................................................ii
HP 10bII+ Financial Calculator....................................................................................iii
Keyboard Map Legend............................................................................................... iv
1 At a Glance........................................................................................................................ 1
Basics of Key Functions................................................................................................1
Shift Keys...................................................................................................................2
Boxed Key Functions ...................................................................................................2
Percentages ...............................................................................................................3
Memory Keys .............................................................................................................4
Time Value of Money (TVM) .........................................................................................6
TVM What if... ...........................................................................................................7
Amortization ..............................................................................................................8
Depreciation ..............................................................................................................9
Interest Rate Conversion.............................................................................................10
Cash Flows, IRR/YR, NPV, and NFV ...........................................................................11
Date and Calendar ...................................................................................................13
Bonds......................................................................................................................14
Break-even ...............................................................................................................16
Statistical Calculations...............................................................................................17
Probability ...............................................................................................................19
Trigonometric Functions .............................................................................................20
2 Getting Started................................................................................................................. 23
Power On and Off ....................................................................................................23
Manual Conventions and Examples.............................................................................23
Basics of Key Functions..............................................................................................24
Shift Keys.................................................................................................................25
Boxed Key Functions .................................................................................................25
Simple Arithmetic Calculations....................................................................................26
Understanding the Display and Keyboard....................................................................29
Cursor .....................................................................................................................29
Clearing the Calculator..............................................................................................29
Annunciators ............................................................................................................30
Input Key .................................................................................................................32
Swap Key ................................................................................................................32
Statistics Keys...........................................................................................................32
Time Value of Money (TVM), Cash Flows, Bond, and Break-even Keys ............................33
Math Functions .........................................................................................................33
Trigonometric and Hyperbolic Functions and Modes .....................................................35
Pi............................................................................................................................36
Hyperbolic Functions .................................................................................................36
Two-Number Functions ..............................................................................................37
In-line Functions ........................................................................................................37
2
Arithmetic with One-and Two-number Functions............................................................ 39
Last Answer ............................................................................................................. 41
Display Format of Numbers ....................................................................................... 41
Scientific Notation....................................................................................................43
Interchanging the Period and Comma ......................................................................... 43
Rounding Numbers................................................................................................... 43
Messages................................................................................................................44
3 Business Percentages.........................................................................................................45
The Business Percentage Keys .................................................................................... 45
Percent key..............................................................................................................45
Margin and Markup Calculations............................................................................... 47
4 Number Storage and Storage Register Arithmetic ...............................................................49
Using Stored Numbers in Calculations ........................................................................ 49
5 Picturing Financial Problems ..............................................................................................55
How to approach a Financial Problem........................................................................ 55
Signs of Cash Flows .................................................................................................56
Periods and Cash Flows............................................................................................ 56
Simple and Compound Interest................................................................................... 56
Interest Rates............................................................................................................ 57
Two Types of Financial Problems................................................................................ 58
Recognizing a Cash Flow Problem ............................................................................. 59
6 Time Value of Money Calculations .....................................................................................61
Using the TVM Application ........................................................................................ 61
The TVM Keys..........................................................................................................61
Begin and End Modes............................................................................................... 62
Loan Calculations..................................................................................................... 62
Savings Calculations................................................................................................. 67
Lease Calculations....................................................................................................71
Amortization............................................................................................................ 74
Interest Rate Conversions........................................................................................... 79
Resetting the TVM Keys .............................................................................................82
7 Depreciation .....................................................................................................................83
The Depreciation Keys .............................................................................................. 83
Resetting the TVM Keys .............................................................................................86
3
8 Cash Flow Calculations..................................................................................................... 87
How to Use the Cash Flow Application........................................................................87
Clearing the Cash Flow Memory.................................................................................88
Calculating Internal Rate of Return...............................................................................90
NPV and IRR/YR: Discounting Cash Flows ...................................................................91
Organizing Cash Flows.............................................................................................91
Viewing and Editing Cash Flows.................................................................................93
Calculating Net Present Value and Net Future Value .....................................................95
Automatic Storage of IRR/YR and NPV........................................................................98
9 Calendar Formats and Date Calculations ........................................................................... 99
Calendar Format.......................................................................................................99
Date Format .............................................................................................................99
Date Calculations and Number of Days.....................................................................101
Number of Days .....................................................................................................102
10 Bonds .......................................................................................................................... 105
The Bond Keys........................................................................................................105
Resetting the bond keys ...........................................................................................108
11 Break-even .................................................................................................................. 109
The Break-even Keys................................................................................................109
Resetting the Break-even keys ...................................................................................112
12 Statistical Calculations .................................................................................................. 113
Clearing Statistical Data ..........................................................................................114
Entering Statistical Data ...........................................................................................114
Viewing and Editing Statistical Data..........................................................................116
Summary of Statistical Calculations ...........................................................................119
Mean, Standard Deviations, and Summation Statistics.................................................120
Linear Regression, Estimation, and Regression Modes..................................................121
Weighted Mean .....................................................................................................124
Regression Models and Variables .............................................................................125
Probability Calculations ...........................................................................................126
Factorial ................................................................................................................126
Permutations...........................................................................................................126
Combinations.........................................................................................................127
Random Number and Seed......................................................................................127
Advanced Probability Distributions ............................................................................128
Normal Lower Tail Probability ..................................................................................129
Inverse of Normal Lower Tail Probability....................................................................130
Student's T Probability Lower Tail ..............................................................................131
4
Inverse of Student’s t Probability Lower Tail................................................................ 132
Conversions from Lower Tail .................................................................................... 133
13 Additional Examples .....................................................................................................137
Business Applications.............................................................................................. 137
Loans and Mortgages .............................................................................................139
Savings................................................................................................................. 148
Cash Flow Examples............................................................................................... 152
14 Appendix A: Batteries and Answers to Common Questions ..................................................I
Power and Batteries..................................................................................................... I
Low Power Annunciator................................................................................................ I
Installing Batteries........................................................................................................ I
Determining if the Calculator Requires Service ................................................................II
Answers to Common Questions....................................................................................III
Environmental Limits................................................................................................... IV
15 Appendix B: More About Calculations.................................................................................I
IRR/YR Calculations..................................................................................................... I
Equations ................................................................................................................... I
16 Appendix C: Messages.......................................................................................................I
17 Warranty, Regulatory, and Contact Information .................................................................1
Replacing the Batteries................................................................................................ 1
HP Limited Hardware Warranty and Customer Care....................................................... 1
Limited Hardware Warranty Period .............................................................................. 1
General Terms ...........................................................................................................2
Exclusions.................................................................................................................. 2
Regulatory Information ................................................................................................ 3
Federal Communications Commission Notice................................................................. 3
Modifications............................................................................................................. 3
Declaration of Conformity for Products Marked with FCC Logo, United States Only ............ 4
Canadian Notice ....................................................................................................... 4
Avis Canadien ........................................................................................................... 4
European Union Regulatory Notice............................................................................... 4
Japanese Notice ........................................................................................................5
Disposal of Waste Equipment by Users in Private Household in the European Union........... 5
Perchlorate Material - special handling may apply.......................................................... 6
Customer Care...........................................................................................................6
Contact Information .................................................................................................... 6
At a Glance...
1
1 At a Glance...
This section is designed for you if you’re already familiar with calculator operation or financial
concepts. You can use it for quick reference. The rest of the manual is filled with explanations
and examples of the concepts presented in this section.
Basics of Key Functions
Table 1-1 Basics of key functions
Keys Display Description
=
0.00 Turns calculator on.
] [blue]
0.00
Displays shift
annunciator .
\ [orange]
0.00
Displays shift
annunciator .
JGD|
12_ Erases last character.
M
0.00 Clears display.
\t
0.00 Clears statistics
memory.
\N
12 P_ Y r (message flashes, then
disappears)
Clears all memory.
]Oj
BOND CLR (message flashes,
then disappears)
Clears bond memory.
]OY
BR EV CLR (message flashes,
then disappears)
Clears break-even
memory.
]OJ
TVM CLR (message flashes, then
disappears)
Clears tvm registers.
]O:
CFLO CLR (message flashes, then
disappears)
Clears cash flow
memory.
\>
Turns calculator off.
At a Glance...2
Shift Keys
Most keys on the HP 10bII+ have three functions:
a primary function printed in white on the key.
a secondary function printed in orange on the bevel of the key.
a tertiary function printed in blue above the key on the keyboard (see Figure 1).
Figure 1
As an example, the functions associated with the equals key, 4, are illustrated in the text
as follows:
primary function (equals): 4
secondary function (display): \5
tertiary function (random): ]6
Boxed Key Functions
These special functions require subsequent key presses to operate. For example, the functions
associated with the clear key, M, include:
Table 1-2 Clearing functions
Keys Associated Function
M
Clear display.
\N
Clear all memory.
]Oj
Clears bond memory.
At a Glance...
3
For more information on the calculator’s keys and basic functions, refer to chapter 2, Getting
Started.
Percentages
Add 15% to 17.50.
Find the margin if the cost is 15.00 and selling price is 22.00.
]OY
Clears break-even memory.
]OJ
Clears TVM memory.
]O:
Clears cash flow memory.
\t
Clears statistics memory.
Table 1-2 Clearing functions
Keys Associated Function
Table 1-3 Keys for percentage calculations
Keys Description
§
Percent
Percent change
À
Cost
¼
Price
®
Margin
Ã
Markup
Table 1-4 Calculating the price
Keys Display Description
Jj7V:1
17.50 Enters number.
JV§4
20.13 Adds 15%.
At a Glance...4
If the cost is 20.00 and the markup is 33%, what is the selling price?
For more information on percentages, refer to chapter 3, Business Percentages.
Memory Keys
Table 1-5 Finding the margin
Keys Display Description
JVÀ
15.0 0 E n te r s c os t.
GG¼
22.00 Enters price.
®
31. 82 C a l cu l a t es ma rg i n.
Table 1-6 Calculating the price
Keys Display Description
G:À
20.00 Enters cost.
DDÃ
33.00 Enters markup.
¼
26.60 Calculates price.
Table 1-7 Memory keys
Keys Description
ª
Stores a constant operation.
s
Stores a value in the M register (memory location).
p
Recalls a value from the M register.
m
Adds a value to the number stored in the M register.
\w
When followed by a number key, : to d, or 7 and : to d, stores a number in the
display into a numbered data storage register. There are 20 storage registers, designated 0-
19. Press
\w7 followed by : through d to access registers 10-19.
v
When followed by a number key, : to d, or 7 and : to d, recalls a number from
a storage register. Press
v7 followed by : through d to access registers 10-19.
At a Glance...
5
Multiply 17, 22, and 25 by 7, storing ‘× 7’ as a constant operation.
Store 519 in register 2, then recall it.
Store 1.25 into register 15, then add 3, and store the result in register 15.
For more information on number storage and storage register arithmetic, refer to chapter 4,
Number Storage and Storage Register Arithmetic.
Table 1-8 Storing ‘x 7’ as a constant
Keys Display Description
JjPjª
7.0 0 St o re s × 7’ as a
constant operation.
4
119.00 Multiplies 17 × 7.
GG4
154.00 Multiplies 22 × 7.
GV4
175.00 Multiplies 25 × 7.
Table 1-9 Storing and recalling
Keys Display Description
VJd\wG
519.00 Stores 519 in register 2.
M
0.00 Clears display.
vG
519.0 0 Re c a l ls re gi ste r 2.
Table 1-10 Storage register arithmetic
Keys Display Description
J7GV
1. 25 I np u ts 1.25 i n to t h e
display.
\w7V
Stores 1.25 in register
15.
D\w17V
3.00 Adds 3 to 1.25 in
register 15 stores the
result in register 15.
M
0.00 Clears the display.
v7V
4.25 Recalls register 15.
At a Glance...6
Time Value of Money (TVM)
Enter any four of the five values and solve for the fifth.
A negative sign in the display represents money paid out, and money received is positive.
If you borrow 14,000 (PV) for 360 months (N) at 10% interest (I/YR), what is the monthly
repayment?
Set to End mode. Press
if BEGIN annunciator is displayed.
Table 1-11 Keys for TVM calculations
Keys Description
]OJ
Clears TVM memory and the current P_YR is
displayed.
Ù
Number of payments.
Multiplies a value by the number of payments
per year and stores as N.
Ò
Interest per year.
Ï
Present value.
Ì
Payment.
É
Future value.
Begin or End mode.
Number of payments per year mode.
Table 1-12 Calculating the monthly payment
Keys Display Description
]OJ
TVM CLR (message flashes, then
disappears)
Clears TVM memory and
displays the current P_YR.
JG\Í
12.00 Sets payments per year.
DS:Ù
360.00 Enters number of payments.
J:Ò
10.00 Enters interest per year.
JY:::Ï
14,000.00 Enters present value.
At a Glance...
7
TVM What if...
It is not necessary to reenter TVM values for each example. Using the values you just entered,
how much can you borrow if you want a payment of 100.00?
...how much can you borrow at a 9.5% interest rate?
For more information on TVM concepts and problems, refer to chapter 5, Picturing Financial
Problems, and chapter 6, Time Value of Money Calculations.
0.00 Enters future value.
Ì
-122.86 Calculates payment if paid
at end of period.
Table 1-12 Calculating the monthly payment
Keys Display Description
Table 1-13 Calculating a new payment
Keys Display Description
J::yÌ
-100.00 Enters new payment
amount. (Money paid out is
negative).
Ï
11,395.08 Calculates amount you can
borrow.
Table 1-14 Calculating a new interest rate
Keys Display Description
d7VÒ
9.50 Enters new interest rate.
Ï
11,892.67 Calculates new present
value for 100.00 payment
and 9.5% interest.
J:Ò
10.00 Reenters original interest
rate.
JY:::Ï
14,000.00 Reenters original present
value.
Ì
-122.86 Calculates original payment.
At a Glance...8
Amortization
After calculating a payment using Time Value of Money (TVM), input the periods to amortize
and press . Press once for periods 1-12, and once again for payments 13-
24. Press 4 to continually cycle through the principal, interest, and balance values (indicated
by the PRIN, INT, and BAL annunciators respectively). Using the previous TVM example,
amortize a single payment and then a range of payments.
Amortize the 20
th
payment of the loan.
Amortize the 1
st
through 24
th
loan payments.
Table 1-15 Amortizing the 20th payment of the loan
Keys Display Description
G:Æ
20.00 Enters period to amortize.
20 – 20 Displays period to amortize.
4
-7.25 Displays principal.
4
-115.61 Displays interest. (Money
paid out is negative).
4
13,865.83 Displays the balance
amount.
Table 1-16 Amortization example
Keys Display Description
JÆJG
12_ Enters range of periods to
amortize.
1 – 12 Displays range of periods
(payments).
4
-77.82 Displays principal.
4
-1,396.50 Displays interest. (Money
paid out is negative).
4
13,922.18 Displays the balance
amount.
13 – 24 Displays range of periods.
4
-85.96 Displays principal.
At a Glance...
9
For more information on amortization, refer to the section titled, Amortization in chapter 6,
Time Value of Money Calculations.
Depreciation
A metalworking machine, purchased for 10,000.00, is to be depreciated over five years. Its
salvage value is estimated at 500.00. Using the straight-line method, find the depreciation
and remaining depreciable value for each of the first two years of the machine's life.
4
-1,388.36 Displays interest.
4
13,836.22 Displays the balance
amount.
Table 1-16 Amortization example
Keys Display Description
Table 1-17 Depreciation keys
Keys Description
Ù
Expected useful life of the asset.
Ò
Declining balance factor entered as a
percentage.
Ï
Depreciable cost of the asset at acquisition.
É
Salvage value of the asset.
]{
Straight-line depreciation.
]x
Sum-of-the-years’-digits depreciation.
]u
Declining Balance depreciation.
Table 1-18 Calculating the depreciation
Keys Display Description
J::::Ï
10,000.00 Inputs cost of the item.
V::É
500.00 Inputs the salvage value of the
item.
5.00 Inputs the useful life of the asset.
J]{
1,900.00 Depreciation of the asset in year
one.
At a Glance...10
For more information on depreciation, refer to chapter 7, Depreciation.
Interest Rate Conversion
To convert between nominal and effective interest rates, enter the known rate and the number
of periods per year, then solve for the unknown rate.
Find the annual effective interest rate of 10% nominal interest compounded monthly.
For more information on interest rate conversions, refer to the section titled, Interest Rate
Conversions in chapter 6, Time Value of Money Calculations.
7,600.00 Remaining depreciable value
after year one.
G]{
1,900.00 Depreciation of the asset in year
two.
5,700.00 Remaining depreciable value
after year two.
Table 1-18 Calculating the depreciation
Keys Display Description
Table 1-19 Keys for interest rate conversion
Keys Description
Nominal interest percent.
Effective interest percent.
Periods per year.
Table 1-20 Calculating the interest rate
Keys Display Description
J:\Ó
10.00 Enters nominal rate.
JG\Í
12.00 Enters payments per year.
10.47 Calculates annual effective
interest.
At a Glance...
11
Cash Flows, IRR/YR, NPV, and NFV
Table 1-21 Cash flows, IRR, NPV, and NFV keys
Keys Description
]O:
Clears cash flow memory.
Number of periods per year (default is
12). For annual cash flows, P/YR should
be set to 1; for monthly cash flows, use
the default setting, 12.
¤
Cash flows, up to 45. “J” identifies the
cash flow number. When preceded by a
number, pressing
¤ enters a cash flow
amount.
number1
Æ number 2 ¤
Enter a cash flow amount, followed by
Æ. Enter a number for the cash flow
count followed by
¤ to enter cash
flow amount and count simultaneously.
Opens editor for reviewing/editing
entered cash flows. Press
1 or A to
scroll through the cash flows.
Number of consecutive times cash flow
J” occurs.
Internal rate of return per year.
Net present value.
\½\«
Net future value.
At a Glance...12
If you have an initial cash outflow of 40,000, followed by monthly cash inflows of 4,700,
7,000, 7,000, and 23,000, what is the IRR/YR? What is the IRR per month?
What is the NPV and NFV if the discount rate is 10%?
Table 1-22 Calculating the IRR/YR and IRR per month
Keys Display Description
]O:
CFLO CLR
(message flashes, then
disappears)
Clears cash flow memory.
JG\Í
12.00 Sets payments per year.
Y::::y¤
-40,000.00
(CF 0 flashes, then disappears)
Enters initial outflow.
Yj::¤
4,700.00
(CF 1 flashes, then disappears)
Enters first cash flow.
j:::ÆG¤
2.00
(CFn 2 flashes, then disappears)
Enters both the cash flow
amount (7000.00) and count
(2.00) simultaneously for second
cash flow.
GD:::¤
23,000.00
(CF 3 flashes, then disappears)
Enters third cash flow.
0 -40,000.00 Reviews entered cash flows
starting with the initial cash flow.
Press
1 to scroll through the
cash flow list to verify the cash
flow number, the amounts, and
count for each entry. Press
M
to exit.
15 . 96 C a l c u l a t e s IRR/YR.
aJG4
1. 33 C a l c u l a t e s IRR per month.
Table 1-23 Calculating NPV and NFV
Keys Display Description
J:Ò
10.00 Enters I/YR.
622.85 Calculates NPV.
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