Casio Chapter 2 Financial Calculation (TVM) AF Ch02 EN

User Manual: Casio Chapter 2 Financial Calculation (TVM) ALGEBRA FX 2.0 PLUS, ALGEBRA FX 1.0 PLUS | Calculators | Manuals | CASIO

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Chapter

Financial Calculation (TVM)
2-1
2-2
2-3
2-4
2-5
2-6
2-7
2-8
2-9
2-10
2-11

Before Performing Financial Calculations
Simple Interest
Compound Interest
Cash Flow (Investment Appraisal)
Amortization
Interest Rate Conversion
Cost, Selling Price, Margin
Day/Date Calculations
Depreciation
Bonds
TVM Graph

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2

2-1-1
Before Performing Financial Calculations

2-1 Before Performing Financial Calculations
k TVM Mode
On the Main Menu, select the TVM icon.

* The above shows the ALGEBRA
FX 2.0 PLUS screen.

Entering the TVM Mode displays the Financial screen like the one shown below.
Financial 1 screen

Financial 2 screen

• 1(SMPL) .... Simple interest
• 2(CMPD) ... Compound interest
• 3(CASH) .... Cash flow (investment appraisal)
• 4(AMT) ...... Amortization
• 5(CNVT) .... Interest rate conversion
• 6(g)1(COST) ... Cost, selling price, margin
2(DAYS) ... Day/date calculations
3(DEPR) ... Depreciation
4(BOND) ... Bonds
5(TVMG) ... TVM (compound interest simulation) graph

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2-1-2
Before Performing Financial Calculations

k SET UP Items
u Payment
• {BGN}/{END} ........ Specifies {beginning of the period} / {end of the period} payment
u Date Mode
• {365}/{360}

......... Specifies calculation according to a {365-day} / {360-day} year

u Periods/YR. (Bond)
• {Annual}/{SEMI} ... Indicates an {annual} / {semi-annual} period
Note the following points regarding SET UP screen settings whenever using the Financial
Mode.
• Drawing a financial graph while the Label item is turned on, displays the label CASH for the
vertical axis (deposits, withdrawals), and TIME for the horizontal axis (frequency). Axis
labels do not appear on the TVM graph.
• The number of display digits applied in the Financial Mode is different from the number of
digits used in other modes. The calculators automatically reverts to Norm 1 whenever you
enter the Financial Mode, which cancels a Sci (number of significant digits) or Eng
(engineering notation) setting made in another mode.

k Graphing in the TVM Mode
After performing a financial calculation, you can use 6 (GRPH) to graph the results as shown
below.

• Pressing 1 (TRACE) while a graph is on the display activates Trace, which can be used to
look up other financial values. In the case of simple interest, for example, pressing e
displays PV, SI, and SFV. Pressing d displays the same values in reverse sequence.
• Zoom, Scroll, and Sketch cannot be used in the Financial Mode.
• Whether you should use a positive or a negative value for the present value (PV) or the
purchase price (PRC) depends on the type of calculation you are trying to perform.
• Note that graphs should be used only for reference purposes when viewing TVM Mode
calculation results.
• Note that calculation results produced in this mode should be regarded as reference values
only.
• Whenever performing an actual financial transaction, be sure to check any calculation results
obtained using this calculator with against the figures calculated by your financial institution.

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2-2-1
Simple Interest

2-2 Simple Interest
This calculator uses the following formulas to calculate simple interest.

u Formula
365-day Mode
360-day Mode

SI' = n × PV × i
365
SI' = n × PV × i
360

I%
100
I%
i=
100
i=

SI
n

: interest
: number of interest
periods
PV : principal
I% : annual interest
SFV : principal plus interest

SI = –SI'
SFV = –(PV + SI')
Press 1(SMPL) from the Financial 1 screen to display the following input screen for simple
interest.
1(SMPL)

n .................................. number of interest periods (days)
I% ............................... annual interest rate
PV ............................... principal
After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(SI) ....... Simple interest
• 2(SFV) ... Simple future value

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2-2-2
Simple Interest

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ... Parameter input screen
• 6(GRPH) ... Draws graph

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation
results along the graph.
Each press of e while trace is turned on cycles the displayed value in the sequence:
present value (PV) → simple interest (SI) → simple future value (SFV). Pressing d cycles
in the reverse direction.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-3-1
Compound Interest

2-3 Compound Interest
This calculator uses the following standard formulas to calculate compound interest.

u Formula I

PV+PMT ×

(1+ i × S)[(1+ i)n–1]
n

i(1+ i)

+ FV

1
n

(1+ i)

=0

i=

I%
100

Here:

PV= –(PMT × α + FV × β )

PMT × α + PV

FV= –

β

PV + FV × β

PMT= –

log
n=

α=
β=

PV : present value
FV : future value
PMT : payment
n
: number of compound periods
I% : annual interest rate
i is calculated using Newton’s Method.

{

α

(1+ i S ) PMT–FVi
(1+ i S ) PMT+PVi

}

S = 0 assumed for end of term
S = 1 assumed for beginning of term

log(1+ i)

(1+ i × S)[(1+ i)n–1]
i(1+ i)n
1
(1+ i)n

F( i) = Formula I

F(i) =

[

(1 + i S)[1– (1 + i)–n]
PMT
+ (1 + i S)[n(1 + i)–n–1]+S [
–
i
i

]

+S [1–(1 + i)–n] – nFV(1 + i)–n–1
u Formula II (I% = 0)

PV + PMT × n + FV = 0
Here:

PV = – (PMT × n + FV )
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2-3-2
Compound Interest

FV = – (PMT × n + PV )

PMT = –

PV + FV
n

PV + FV

n=–

PMT

• A deposit is indicated by a plus sign (+), while a withdrawal is indicated by a minus sign (–).

u Converting between the nominal interest rate and effective interest rate
The nominal interest rate (I% value input by user) is converted to an effective interest rate
( I%') when the number of installments per year (P/Y ) is different from the number of
compound interest calculation periods ( C/Y ). This conversion is required for installment
savings accounts, loan repayments, etc.

{

I%' = (1+

[C / Y ]

}

[P / Y ]
I%
) –1 ×100
100 × [C / Y ]

P/Y : installment
periods per year

C/Y : compounding
periods per year

When calculating n, PV, PMT, FV
The following calculation is performed after conversion from the nominal interest rate to the
effective interest rate, and the result is used for all subsequent calculations.

i = I%'÷100
When calculating I%
After I% is obtained, the following calculation is performed to convert to I%'.

{

I%' = (1 +

[P / Y ]

}

I% [C / Y ]
)
–1 ×[C / Y ]×100
100

P/Y : installment
periods per year

C/Y : compounding
periods per year

The value of I%' is returned as the result of the I% calculation.

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2-3-3
Compound Interest

Press 2(CMPD) from the Financial 1 screen to display the following input screen for
compound interest.
2(CMPD)

n .................................. number of compound periods
I% ............................... annual interest rate
PV ............................... present value (loan amount in case of loan; principal in case
of savings)

PMT ............................ payment for each installment (payment in case of loan;
deposit in case of savings)

FV ............................... future value (unpaid balance in case of loan; principal plus
interest in case of savings)

P/Y .............................. installment periods per year
C/Y .............................. compounding periods per year

Important!
Inputting Values
A period ( n) is expressed as a positive value. Either the present value (PV ) or future value
( FV ) is positive, while the other (PV or FV ) is negative.
Precision
This calculator performs interest calculations using Newton’s Method, which produces
approximate values whose precision can be affected by various calculation conditions.
Because of this, interest calculation results produced by this calculator should be used
keeping the above limitation in mind or the results should be verified.

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2-3-4
Compound Interest

After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(n) ............ Number of compound periods
• 2(I%) .......... Annual interest rate
• 3(PV) ......... Present value (Loan: loan amount; Savings: balance)
• 4(PMT) ....... Payment (Loan: installment; Savings: deposit)
• 5(FV) .......... Future value (Loan: unpaid balance; Savings: principal plus interest)
• 6(AMT) ....... Amortization screen

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ..... Parameter input screen
• 4(AMT) ....... Amortization screen
• 6(GRPH) .... Draws graph

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation
results along the graph.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-4-1
Cash Flow (Investment Appraisal)

2-4 Cash Flow (Investment Appraisal)
This calculator uses the discounted cash flow (DCF) method to perform investment appraisal
by totalling cash flow for a fixed period. This calculator can perform the following four types
of investment appraisal.
• Net present value (NPV )
• Net future value (NFV )
• Internal rate of return (IRR )
• Pay back period (PBP )
A cash flow diagram like the one shown below helps to visualize the movement of funds.

CF2 CF3 CF4

CF5

CF7
CF6

CF1
CF0
With this graph, the initial investment amount is represented by CF0. The cash flow one year
later is shown by CF1 , two years later by CF2 , and so on.
Investment appraisal can be used to clearly determine whether an investment is realizing
profits that were originally targeted.

uNPV

NPV = CF0 +

CF2
CF3
CFn
CF1
+
+
+…+
(1 + i ) (1 + i )2 (1 + i )3
(1 + i )n

i=

I%
100

n: natural number up to 254

uNFV

NFV = NPV × (1 + i )n

uIRR

0 = CF0 +

CF2
CF3
CFn
CF1
+
+
+…+
(1+ i) (1+ i)2 (1+ i)3
(1+ i)n

In this formula, NPV = 0, and the value of IRR is equivalent to i × 100. It should be noted,
however, that minute fractional values tend to accumulate during the subsequent
calculations performed automatically by the calculator, so NPV never actually reaches
exactly zero. IRR becomes more accurate the closer that NPV approaches to zero.
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2-4-2
Cash Flow (Investment Appraisal)

u PBP
PBP is the value of n when NPV > 0 (when investment can be recovered).
• Press 3(CASH) from the Financial 1 screen to display the following input screen for Cash
Flow.
3(CASH)

I% ............................... interest rate (%)
Csh .............................. list for cash flow
If you have not yet input data into a list, press 5('LIST) and input data into a list.
After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(NPV) ......... Net present value
• 2(IRR) .......... Internal rate of return
• 3(PBP) ......... Pay back period
• 4(NFV) ......... Net future value
• 5('LIST) ..... Inputs data from a list
• 6(LIST) ......... Specifies a list for data input

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ...... Parameter input screen
• 6(GRPH) ..... Draws graph

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2-4-3
Cash Flow (Investment Appraisal)

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation
results along the graph.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-5-1
Amortization

2-5 Amortization
This calculator can be used to calculate the principal and interest portion of a monthly
installment, the remaining principal, and amount of principal and interest repaid up to any
point.

u Formula

;;;;;
e ;;;;;
;;;;;
;;;;;
;;;;;
;;;;;
;;;;;
;;;;;
d ;;;;;
;;;;;

Amount of single payment

m

;;;;;;;
;
;;;;;;;;;

;;;;;;
;;;;;;
;;;;;;
;;;;;;;;
1 2

;;;;;;
;;;;;;;;;;;;;
;;;;;;;;;;;;;
;;;;;;;;;;;;;
;;;;;;;;;;;;;
;;;;;;;;;;;;;
;
;;;;;;;;;;
a

b

n

(Number of payments)

a: interest portion of installment PM1 (INT )
b: principal portion of installment PM1 (PRN )
c: balance of principal after installment PM2 (BAL )
d: total principal from installment PM1 to payment of installment PM2 (ΣPRN )
e: total interest from installment PM1 to payment of installment PM2 (ΣINT )
* a + b = one repayment (PMT )

a : INTPM1 = I BALPM1–1 × i I × (PMT sign)
b : PRNPM1 = PMT + BALPM1–1 × i
c : BALPM2 = BALPM2–1 + PRNPM2
d : Σ PRN = PRNPM1 + PRNPM1+1 + … + PRNPM2
PM2

PM1

e : Σ INT = INTPM1 + INTPM1+1 + … + INTPM2
PM2

PM1

BAL0 = PV (INT1 = 0 and PRN1 = PMT at beginning of installment term)

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2-5-2
Amortization

u Converting between the nominal interest rate and effective interest rate
The nominal interest rate (I% value input by user) is converted to an effective interest rate
( I%') for installment loans where the number of installments per year is different from the
number of compound interest calculation periods.

{

I%' = (1+

[C / Y ]

}

[P / Y ]
I%
) –1 ×100
100 × [C / Y ]

The following calculation is performed after conversion from the nominal interest rate to the
effective interest rate, and the result is used for all subsequent calculations.

i = I%'÷100
Press 4(AMT) from the Financial 1 screen to display the following input screen for interest
rate conversion.
4(AMT)

PM1 ............................. first installment of installments 1 through n
PM2 ............................. second installment of installments 1 through n

n ..................................
I% ...............................
PV ...............................
PMT ............................
FV ...............................
P/Y ..............................
C/Y ..............................

installments
interest rate
principal
payment for each installment
balance following final installment
installments per year
compoundings per year

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2-5-3
Amortization

After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(BAL) ......... Balance of principal after installment PM2
• 2(INT) .......... Interest portion of installment PM1
• 3(PRN) ......... Principal portion of installment PM1
• 4(Σ INT) ....... Total interest paid from installment PM1 to installment PM2
• 5(Σ PRN) ...... Total principal paid from installment PM1 to installment PM2
• 6(CMPD) ...... Compound interest screen

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ....... Parameter input screen
• 4(CMPD) ...... Compound interest screen
• 6(GRPH) ...... Draws graph

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation
results along the graph.
The first press of 1(TRACE) displays INT and PRN when n = 1. Each press of e shows
INT and PRN when n = 2, n = 3, and so on.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-6-1
Interest Rate Conversion

2-6 Interest Rate Conversion
The procedures in this section describe how to convert between the annual percentage rate
and effective interest rate.

u Formula
n

EFF = 1 +

APR/100
–1 × 100
n

APR = 1 +

EFF
100

1
n

APR : annual percentage rate (%)
EFF : effective interest rate (%)
n
: number of compoundings

–1 × n ×100

Press 5(CNVT) in the Financial 1 screen to display the following input screen for interest
rate conversion.
5(CNVT)

n ....................................... number of compoundings
I% ............................... interest rate
After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1('EFF) ... Converts annual percent rate to effective interest rate
• 2('APR) ... Converts effective interest rate to annual percent rate

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function key to maneuver between calculation result screens.
• 1(REPT) ... Parameter input screen

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2-7-1
Cost, Selling Price, Margin

2-7 Cost, Selling Price, Margin
Cost, selling price, or margin can be calculated by inputting the other two values.

u Formula

CST = SEL 1–

MRG
100

CST
MRG
1–
100
CST
× 100
MRG(%) = 1–
SEL

SEL =

CST : cost
SEL : selling price
MRG : margin

Press 1(COST) from the Financial 2 screen to display the following input screen.
6(g)1(COST)

Cst ............................... cost
Sel ............................... selling price
Mrg .............................. margin
After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(COST) .... Cost
• 2(SEL) ....... Selling price
• 3(MRG) ...... Margin

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function key to maneuver between calculation result screens.
• 1(REPT) ... Parameter input screen

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2-8-1
Day/Date Calculations

2-8 Day/Date Calculations
You can calculate the number of days between two dates, or you can determine what date
comes a specific number of days before or after another date.

Press 2(DAYS) from the Financial 2 screen to display the following input screen for day/
date calculation.
6(g)2(DAYS)

d1 ................................ date 1
d2 ................................ date 2
D ................................. number of days
To input a date, first highlight d1 or d2. Pressing a number key to input the month causes an
input screen like the one shown below to appear on the display.

when the 360-day year is set. Attempting to do
so causes an error.

# The set up screen can be used to specify
either a 365-day or 360-day year for financial
calculations. Day/date calculations are also
performed in accordance with the current
setting for number of days in the year, but the
following calculations cannot be performed

(Date) + (Number of Days)
(Date) – (Number of Days)
# The allowable calculation range is January 1,
1901 to December 31, 2099.
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2-8-2
Day/Date Calculations

Input the month, day, and year, pressing w after each.

After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(PRD) ........ Number of days from d1 to d2 (d2 – d1)
• 2(d1+D) ....... d1 plus a number of days (d1 + D)
• 3(d1 – D) ..... d1 minus a number of days (d1 – D)

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function key to maneuver between calculation result screens.
• 1(REPT) ...... Parameter input screen

360-day Date Mode Calculations
The following describes how calculations are processed when 360 is specified for the Date
Mode item in the SET UP screen.
• If d1 is day 31 of a month, d1 is treated as day 30 of that month is used.
• If d2 is day 31 of a month, d2 is treated as day 1 of the following month, unless d1 is day
30.

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2-9-1
Depreciation

2-9 Depreciation
Any of the following four methods can be used to calculated depreciation.

u Straight-Line Method
The straight-line method calculates depreciation for a given period.

(PV–FV ) {Y–1}
u
n
12
(PV–FV )
SLj =
n
(PV–FV ) 12–{Y–1}
u
SLn+1 =
n
12

SL1 =

({Y–1}G12)

SL j
n
PV
FV
j
Y–1

: depreciation charge for the j th
year
: useful life in years
: original cost (basis)
: scrap value (salvage value)
: year
: number of depreciable months
in first year

Depreciation for an item acquired part way through a year can be calculated by month.

u Fixed Percentage Method
Fixed percentage method can be used to calculate depreciation for a given period, or to
calculate the depreciation rate.

I% {Y–1}
×
100
12
I%
FPj = (RDVj–1 + FV ) ×
100
FP1 = PV ×

FPn+1 = RDVn ({Y–1}G12)
RDV1 = PV – FV – FP1

FPj : depreciation charge for the jth year
RDVj : remaining depreciable value at the
end of jth year
I% : depreciation rate

RDVj = RDVj–1 – FPj
RDVn+1 = 0 ({Y–1}G12)
Depreciation for an item acquired part way through a year can be calculated by month.

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2-9-2
Depreciation

u Sum-of-the-Year's Digits Method
The sum-of-the-year's-digits method calculates depreciation for a given period.

n (n +1)
2
{Y–1}
n' = n –
12
(n' integer part +1)(n' integer part + 2*n' fraction part )
Z' =
2
n
{Y–1}
×
(PV – FV )
SYD1 =
Z
12
n'– j+2
)(PV – FV – SYD1)
SYDj = (
( jG1)
Z'
12–{Y–1}
n'– (n +1)+2
SYDn+1 = (
)(PV – FV – SYD1) ×
({Y–1}G12)
Z'
12

Z=

RDV1 = PV – FV – SYD1

SYDj : depreciation charge for the j th year
RDVj : remaining depreciable value at the
end of j th year

RDVj = RDVj –1 – SYDj

Depreciation for an item acquired part way through a year can be calculated by month.

u Declining Balance Method
The declining balance method calculates depreciation for a given period.

DB1 = PV ×

I%
Y–1
×
100n
12

DBj

RDV1 = PV – FV – DB1
DBj = (RDVj–1 + FV ) ×

I%
100n

: depreciation charge for the
j th year
RDVj : remaining depreciable
value at the end of j th year
I% : factor (%)

RDVj = RDVj–1 – DBj
DBn +1 = RDVn

({Y–1}G12)

RDVn+1 = 0

({Y–1}G12)

Depreciation for an item acquired part way through a year can be calculated by month.

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2-9-3
Depreciation

Press 3(DEPR) from the Financial 2 screen to display the following input screen for
depreciation.
6(g)3(DEPR)

n ..................................
I% ...............................
PV ...............................
FV ...............................
j ...................................
Y–1 ..............................

useful life in years
depreciation rate/factor
original cost (basis)
scrap value (salvage value)
year
number of depreciable months in first year

• Parameters can be displayed as integer or decimal values only. Inputting a fraction causes
it to be converted to a decimal value.
After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(SL) ........... Straight-Line Method
• 2(FP) ........... 1.Fixed Percentage Method
........... 2.Depreciation ratio
• 3(SYD) ........ Sum-of-the-Year's Digits Method
• 4(DB) .......... Declining Balance Method

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2-9-4
Depreciation

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ...... Parameter input screen
• 6(TABL) ....... Calculation result table

The following function keys are on the calculation result table screen.
• 1(REPT) ...... Parameter input screen
• 6(GRPH) ..... Draws graph

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation results
along the graph.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-10-1
Bonds

2-10 Bonds
The bond calculation function calculates the price and yield of a bond.

u Formula
D
A

B

Redemption date

Issue date

Purchase date

PRC
CPN
YLD
A
M
N
RDV
D
B
INT
CST

:
:
:
:
:
:
:
:
:
:
:

Coupon Payment dates

price per $100 of face value
annual coupon rate (%)
yield to maturity (%)
accrued days
number of coupon payments per year (1=annual, 2=semi annual)
number of coupon payments between settlement date and maturity date
redemption price or call price per $100 of face value
number of days in coupon period where settlement occurs
number of days from settlement date until next coupon payment date = D – A
accrued interest
price including interest

• Less than six months to redemption

RDV +
PRC =
1+ (

B
D

×

CPN
M

YLD/100
M

–(
)

A
D

×

CPN
M

)

• Six months or more to redemption

CPN

RDV

M

+Σ
N

PRC =
(1+

INT =

A
D

×

YLD/100
M

)

(N–1+B/D )

CPN
M

CST = PRC + INT

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20011101

k=1

(1+

YLD/100
M

–
)

(K–1+B/D )

A
D

×

CPN
M

2-10-2
Bonds

Press 4(BOND) from the Financial 2 screen to display the following input screen for band
calculation.
6(g)4(BOND)

d1 ................................ purchase date
d2 ................................ redemption date
RDV ............................ redemption price or call price per $100 of face value
CPN ............................ annual coupon rate (%)
PRC ............................ price per $100 of face value
YLD ............................. yield to maturity (%)
To input a date, first highlight d1 or d2. Pressing a number key to input the month causes an
input screen like the one shown below to appear on the display.

Input the month, day, and year, pressing w after each.

After configuring the parameters, press one of the function keys noted below to perform the
corresponding calculation.
• 1(PRC) ..... Price per $100 of face value
• 2(YLD) ..... Yield to maturity

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2-10-3
Bonds

• An error (Ma ERROR) occurs if parameters are not configured correctly.
Use the following function keys to maneuver between calculation result screens.
• 1(REPT) ....... Parameter input screen
• 5(MEMO) ..... Screen of various bond calculation values*
• 6(GRPH) ...... Draws Graph
Pressing 5(MEMO) displays various bond calculation values, like those shown here.

*The interest payment date is calculated from d2 when 365 is specified for the Date Mode
item in the SET UP screen.
w~w

6(GRPH)

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation results
along the graph.

Press i to turn off trace.
Press i again to return to the parameter input screen.

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2-11-1
TVM Graph

2-11 TVM Graph
The TVM Graph lets you assign two of the five parameters ( n, I%, PV, PMT, FV) to the
x-axis and y-axis of a graph, and plot changes in y as the value of x changes.
Press 5(TVMG) from the Financial 2 screen to display the following input screen for TVM
Graph.
6(g)5(TVMG)

After configuring the parameters, press the function keys noted below to assign parameters
to the x-axis and y-axis.
• 1(X) ... Assigns highlighted parameter to the x-axis
• 2(Y) ... Assigns highlighted parameter to the y-axis
After making the required settings, draw the graph.
• 6(GRPH) ... Draws graph

After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation
results along the graph.

Press i to turn off trace.

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2-11-2
TVM Graph

Pressing 6(Y-CAL) after drawing a graph displays the screen shown below.

Inputting an x-axis value on this screen and pressing w displays the corresponding
y-axis value.

Press i again to return to the parameter input screen.
• Calculation may take some time to perform when you specify I% as the y-axis
parameter.

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