Ativa At 10 Users Manual O/M Front Page

AT-10 to the manual 362abadc-6ac5-49a7-80d8-9e7976183429

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Getting Started

Financial Calculator
Model AT-10

Power On and Off

Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD

FINANCIAL

$

$

Tax

$
LOAN

Tax Set

Tax

ON

OFF

$

SAVING

Margin

Sell

Cost

Cost

Cost

Sell

Sell

Margin

Note: Your Calculator is powered with
a long-life, Lithium battery to assure
uninterrupted service.
(See “Battery Replacement” below for
change-out procedure.)

Margin

Currency Converter
Rate Set

Foreign

[ON] Pressing

this key and holding it
a second turns the calculator on. This key
is also used to clear all calculations, which
is accomplished with a tap.
[OFF] Turns the calculator off. The unit also
has an auto power-off feature which turns
the unit off after 5 minutes of non-use.
[CE] Tapping this key clears only the last
entry without clearing the problem.

AT-10

Operation Manual
Your Financial Calculator
is designed to be reliable
and easy to use.
This manual will provide clear
instructions for all product
functions.
An Affordable, 12-Digit Multi-function
Calculator with Built-in Software
Components.
Features

Battery Replacement
1. Slide the unit out of its case and turn
the unit over,face down.
2. Use a small head
screwdriver to loosen
two screws on battery
compartment cover
and remove the cover
(see diagram).
3. Use a small head
screwdriver to push up
old battery.
(see diagram)

Calculate the Time and Value of Money
(Savings, Automobile and Mortgage Loans).
Interest Calculations
4. Replace the lithium
Business Profit analysis (cost, sell & margin)
battery (CR-2025),
Currency conversions
making sure the positive
Tax Calculations
(+) side is up.
Savings Calculations
Built-in 3-key Memory Functions
5. Replace the cover
Auto Power-Off -- Turns Unit off After
and screws.
5 Minutes Idle
Slip Cover -- Slips the Unit Out of the “Base”,
Reverse it, and Slide it Back in the Base to Store.
Note: The Lithium battery in this calculator
Integrated Flip-Down Stand, for Easy Viewing
should be replaced approximately every 2 years.
Adjustment

Calculating the Time Value
of Money
Savings calculations
No. of
Years
Annual Yield
%

Month
/Year

Number of years

Save $

Annual yield
Number of
compound
periods a year

Monthly installment

Compute

Calculate

Future $

Future value

How much money will I have if I save $150
a month at 4% for the next 10 years?
Save $150
a month

[Save $]

150

For 10 years

10

[No. of Years]

At 4%
interest rate

4

[Annual Yield %]

12

[Month/Year]

[Compute] [Future$]

$22’ 161.10

Making 12
payments
a year
Press--

Loan calculations
No of
Years
Interest Rate
%

Month
/Year

Number of years
Interest rate
Number of
compound
periods a year

Loan $
Compute
Pay $

Mortgage amount
Calculate
Monthly payment

Calculating an automobile loan
You have your eye on a new car.
The cost of the car is $22,000, and
your down payment will be $5,000.
You will be financing $17,000 at 8%.
What will your payments be?
Automotive
Loan

$17,000

[Loan $]

Loan Calculations

Calculating a mortgage

You are buying a $120,000 Town House.
Your down payment is 10% ($12,000), and you
will be financing $108,000 at 8% for 30 years.
What is your payment?
Home Loan of

Interest Rate

8%

[Interest Rate %]

12 payments
a year

12

[Month/Year]

[Compute] [Pay$]

Press--

$792.47

A mortgage payment will include the mortgage
payment principal and interest, in this case
$792.47. It will also include the monthly real
estate taxes and insurance payment (Divide
the annual rate by 12 to get the monthly rate).

For Example:
Annual taxes at $2,400, and annual insurance
at $600 = $200 monthly tax payment + a $50
monthly insurance payment. Adding these to
the total payment of $792.47 give us a total
monthly payment of $1,042.47 (This is called
Principal + Interest + Taxes + Insurance or PITI.)

How to compute the mortgage
payment you can afford

Industry guidelines indicate that a consumer
should spend about 28% of his monthly
income on housing. If your combined
family monthly income is $6,000, you can
afford a mortgage payment (PITI) of $1,680.
(Other payments. like credit card and car
payments, installment loans, etc., should not
exceed 36% of your gross family monthly income.)
$6,000

[X]

28

[%]

$1’680

How much loan can I get with
a PITI of $1,680

[No. of Years]

Enter Payment

Interest Rate

8%

[Interest Rate%]

Number of years
to pay

12 payments
a year

12

[Month/Year]
$344.70

[No. of Years]

A word about mortgage payments (PITI)

5

[Compute] [Pay$]

[Loan $]

30

Number of
years to pay

Press--

$108,000

Number of years
to pay

Interest Rate
12 payments
a year
Press--

$1,680
30
8%
12
[Compute] [Loan $]

[Pay $]
[No. of Years]
[Interest Rate%]
[Month/Year]
$228’956.27

Simple Arithmetic Calculations Business Calculations
[+], [-], [X], [÷] and [=] are the standard
function keys.

Press the Equal key [=] to obtain the result
of an operation.
If the wrong function key is pressed during
an operation, pressing the correct key will
cancel the previous function.
Here is an example of addition:
9 [+] 9 [=] 18

Working with Percentages

Calculating percentages is easy with your
AT-10.
What percentage of 211 is 40?
40 [÷] 211 [%] 18.9573459715%
What is 37% of 931?
931 [X] 37 [%] 344.47

Working with the Memory

The memory functions of this calculator are
accessed with 3 keys:
• To store data in memory [M+].
• To subtract data from memory [M-].
• And finally, to recall stored memory [MRC].
Tapping [MRC] once displays the data
stored in memory.
Tapping [MRC] twice clears all data stored
in memory.
(You will note the memory symbol “M”
disappears from the calculator display
when the memory is cleared.)

Finding a Square Root
To find a square root, enter the number
and press the square root key.
620 [√] [=] 24.8997991959

Currency Exchange

Profit Analyzer
Cost

Cost

Sell

Cost

Sell

Margin

Margin

Margin

To determine a currency exchange rate, you
need to enter the current exchange
rate value.

Sell

Your calculator can handle standard
business calculations, such as determining
the Gross Profit Margin; how to set
selling prices, and how to calculate costs,
such as dealer cost.

For example, if the Euro was currently
pegged at 1 Foreign = 0.9822 of the
U S Dollar, here is how you would do
the calculations:
1. Select and hold down the [USD] key
until “0” shows.
2. Enter the USD value (0.9822).

(Note: Pay special attention to the keys
used below to be certain you are selecting
the proper key for your desired function)

3. Press the [USD] key setting the value.

Calculating the Gross Profit
Margin

How much is $150 in the Euro currency?

You bought stock for
$10 a share

10

Margin
[Cost]

You sold it for $15 a share

15

[Sell]

Your Gross profit margin is

33.3333333333%

Determining the Selling Price
You bought an investment
130000
property for $130,000
You would like to make
a 15% profit

15

The selling price should be

Sell
[Cost]
[Margin]
152’941.17647

Determining Cost
(E.g., a Dealer’s Cost)
You know the car has an
MSRP of $35,000

35000

You estimate the dealer’s
profit to be 15%

15

The Dealer’s cost is
estimated at

Enter 150 Press [USD]

Tax Calculations
To perform a tax calculation, program your
calculator with the tax rate by pressing and
holding the [%] key until “0” is displayed.
If, for example, the Tax Rate is 3.75%, enter
that value. And press the [%] key again.
Now the tax rate is set.
If a dinner bill is $120.00 how much is the
total bill including 3.75% tax?
Enter 120 [Tax+]
Enter [Tax+] again to see the amount of
tax paid

124.5
4.5

Your credit card charge is $138.00.
How much was the bill before tax was
added in?
Enter 138 [Tax-]
Enter [Tax-] again to see the
amount of tax paid

133.012048192
4.9879518072

Troubleshooting

Press [Foreign] 152.72

Problem:
Nothing is displayed on the LCD display.

How much is 275 in the Euro currency
worth in U S Dollars?

Solution:
Check that the battery is fresh and placed
correctly.

Enter 275 Press [Foreign]

Batteries

Press [USD] $270.11

After removing the battery from the calculator,
put it in a safe place where it will not get into
the hands of small children and accidentally
swallowed.
Never charge batteries, try to take batteries
apart. Do not disposal of batteries in fire,
batteries may explode or leak.
Remove the battery if you do not plan to use
the calculator for a long time.

Cost
[Sell]
[Margin]
$29’750

Care and Maintenance

Keep this unit dry. Avoid dropping the
calculator.
If it gets wet, wipe it dry before use.
Do not clean with harsh solvents or
detergents.
Wipe clean with a soft slightly damp cloth.



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