Powerone Finance Calculator Manual Optimized

Contents I
Table of Contents
Part I Getting Started 1
1 Palm OS ................................................................................................................................... 2
2 Pocket PC ................................................................................................................................... 4
3 Windows ................................................................................................................................... 6
4 Moving Data between
...................................................................................................................................
the Handheld and Windows 8
Part II Using the Calculator 9

1 Performing Arithmetic
................................................................................................................................... 12
Input Mode .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 12
Entering Numbers
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 14
Mathematics .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 15
Parentheses .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 17
Memory .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 18
RPN Stack & History
.. ..... ....
List
..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 18
2 Calculator Settings
................................................................................................................................... 20
3 Calculation Log
................................................................................................................................... 21
4 Structure of the
...................................................................................................................................
Function List 22
Part III Using the Templates 23

1 Entering Data................................................................................................................................... 24
2 Template & Variable
...................................................................................................................................
Settings 25
3 Exporting Results
................................................................................................................................... 26
4 Exporting & Importing
...................................................................................................................................
Templates 26
5 Beaming Templates
................................................................................................................................... 28
6 Creating Templates
................................................................................................................................... 29
Equations with the
.. .....Solver
.... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 30
Accessing Custom
.. .....Templates
.... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 31
Solver Examples.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 31
How the Solver Works
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 33
Part IV Included Templates 35

1 Finance ................................................................................................................................... 37
TVM .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 37
Amortization... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ...... 38
Examples ... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ...... 40
Cash Flow .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 45
Understanding Cash
.. ..... ....
Flows
..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 49
Interest Conversion
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 51
Bonds .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 52
Depreciation .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 54
ACRS Depreciation
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 56
Black-Scholes .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 57
Simple Interest .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 58
© 1997-2003, Infinity Softworks
I
II powerOne™ Finance
2 Business ................................................................................................................................... 59
Breakeven .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 59
Discount .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 60
Markup .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 60
Percent Change.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 61
Percent Total .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 61
Profit Margin .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 62
Sales Tax .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 62
Tip .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 63
3 Statistics ................................................................................................................................... 64
4 Conversions................................................................................................................................... 68
5 Calendar ................................................................................................................................... 70
Part V Appendix 72
1 Function Reference
................................................................................................................................... 73
Financial Functions
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 74
Calculus Functions
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 79
Date & Time Functions
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 80
Logic Functions.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 82
Math Functions .. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 84
Probability & Statistics
.. ..... .... .....
Functions
.... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 87
Trigonometric Functions
.. ..... .... ..... .... ..... .... ..... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... .... ..... ..... .... ..... .... ....... 89
2 Error Cases ................................................................................................................................... 91
3 Contact Infinity
...................................................................................................................................
Softworks 93
4 Legal and Disclaimers
................................................................................................................................... 94
Part VI Index 95
© 1997-2003, Infinity Softwork s

Getting Started 1
1 Getting Started
This section helps you get started using your powerOne™ calculator.
Input Mode
The first time the application is started, you are given the choice of which input mode you wish to use. If you
are not sure which mode you want, choose Order of Operations mode - this is what most calculators use. You
can easily change it later (see Calculator Settings).
The Displays
There are two main displays: the calculator and the templates. Additionally, several types of input screens are
used to enter numeric , date or time values into the templates. The templates perform business, conversion
and statistics computations, working with the input screen to enter variables and perform calculations.
Number Ranges
Entry of numbers with up to 12 decimal places and 14 digits is allowed. Numbers larger than this will display in
scientific notation (e.g., 1.234e13). Numbers may be entered and displayed in normal, scientific notation or
engineering notation.
Long Calculations
Depending on the speed of your device and the complexity of the calculation, some calculations may take a
few seconds to complete. Generally in such cases, a dialog box containing "Calculating…" with a 'Cancel'
button will be shown. You can stop the calculation by tapping and holding the cancel button.
The following sections contain further details about using the application on specific operating systems:
· Palm OS
· Pocket PC
· Windows

2 powerOne™ Finance
1.1 Palm OS
This section of the manual describes features of the software that are specific to Palm OS devices:
powerOne Button
The powerOne button, in the top left corner of the display,
offers access to logging functions, online help, product
information, and calculator preferences.
If the manual refers to the menu bar, you need to tap the
menu button to make the menu bar visible.
In addition, this manual will refer to scroll arrows, scroll

buttons, and scroll bars. Scroll arrows appear in the lower,
right-hand corner of the screen or in the pop-up list. Scroll
bars appear next to the data to be scrolled. In most cases,
however, scrolling can be achieved using the scroll buttons
shown above.
Setting the Default Calculator

Some PalmOS devices have a calculator or favorites button in the Graffiti area as shown above. To set a
powerOne product as the default (which means that it will appear when you hit the button described above):
· Select the Home button
· Select the applications "Prefs"
· Select "Buttons" from the top-right corner pop-up list
· Change the name of the application next to the calculator or favorites button by choosing it from the pop-
up list.
Skins
Skins add a personalized look to the main and input calculators. Some skins offer a different button layout,
offering the advanced mathematics functions in drop down lists or giving access to programmable buttons,
which can be changed in the preferences screen. Other skins offer different color schemes.
To download free skins, go to this product's web page at www.infinitysw.com.
Installing Skins
After downloading a skin from Infinity Softworks' web site and synchronizing it to your device's main memory,
run the application. The skin will be imported automatically. To install a skin from an expansion card, select
"Skins" from the "powerOne" button. Choose "Import" to find a skin on the expansion card.

Getting Started 3
Changing Skins
To change skins, select "Skins" from the "powerOne" button. Choose the skin by selecting it with the stylus
and then select "OK". The calculator display will change automatically. "<Default>" is the original display that
came with your product.
Deleting Skins
To delete a skin, select "Skins" from the "powerOne" button. Choose the skin by selecting it with the stylus
and then select "Delete".
Using Graffiti
Graffiti® entry is supported for both the main and input screens. To learn how to draw each character, see
your handheld's user manual.
Character Function Character Function
0 Zero <back> <space> Backspace
1 One c C/CE
2 Two + Add
3 Three – Subtract
4 Four x * Multiply
5 Five / Divide
6 Six = Equals/Enter
7 Seven ( Lt Paren
8 Eight ) Rt Paren
9 Nine s Store
. , Decimal Pt r Recall
n Sign <return> Save
e Exponent
Note that the Graffiti shift indicator is in the view window both on the main and input screens.

1.2 Pocket PC
This section of the manual describes features of the software that
are specific to Pocket PC devices:
Help
Context sensitive help is available throughout the application by
tapping the Windows start menu icon in the top left corner of the
display, scrolling to the bottom of the Windows start menu and
selecting "Help".
Menu Bar
When the manual refers to menu options, they are available in the
menu bar shown above.
Keyboard Navigation
The keyboard can be used instead of the mouse for navigation.
Main Calculators
Keystroke Function Keystroke Function
0 Zero <Backspace> Backspace
1 One c/C C/CE
2 Two <delete> C/CE
3 Three + Add
4 Four – Subtract
5 Five * Multiply
6 Six / Divide
7 Seven = Equals/Enter
8 Eight <Enter> Equals/Enter
<return>
9 Nine ( Lt Paren
. , Decimal Pt ) Rt Paren
n/N Sign m/M Memory
e/E Exponent f/F Function Button

Getting Started 5
Templates
Keystroke Function
Scroll Arrows Scroll through buttons/variables in the template.
<space>/<Enter> Displays the data input screen for the chosen variable.
c/C Calculates the chosen variable (if available – designated by a "?" in the right-hand
column).
v/V Displays the variable choices for the currently selected variable (if available –
designated by a box surrounding the variable name).
Input Calculator Screen

In the number input calculator, button selections are the same as in the main calculator, except for the
following:
Keystroke Function
<Enter>/<return> Saves the changes.
<Esc> Cancels changes.
Time Selector
In the time selector, use scroll arrows or number buttons to change each the hour, minutes, seconds and
am/pm designation.
Date Selector
Keystroke Function
<Page Up> <Page Down> Changes month.
<Ctrl><Page Up> <Ctrl><Page Down> Changes year.

1.3 Windows
This section of the manual describes features of the software that
are specific to Windows computers. In addition, Windows
systems have special features that other versions do not. This
section details those differences:
Help
Context sensitive help is available throughout the application by
selecting Help > Contents from the application's menu, F1 while in
the application, or choosing "powerOne Finance Manual" from the
StartàProgramsàpowerOne Finance for Windows menu.
Menu Bar
When the manual refers to menu options, they are available in the
menu bar shown above.
Keyboard Navigation
The keyboard can be used instead of the mouse for navigation.
Main Calculators
Keystroke Function Keystroke Function
0 Zero <Backspace> Backspace
1 One c/C C/CE
2 Two <delete> C/CE
3 Three + Add
4 Four – Subtract
5 Five * Multiply
6 Six / Divide
7 Seven = Equals/Enter
8 Eight <Enter> Equals/Enter
<return>
9 Nine ( Lt Paren
. , Decimal Pt ) Rt Paren
n/N Sign m/M Memory
e/E Exponent f/F Function Button

Getting Started 7
Templates
Keystroke Function
Scroll Arrows Scroll through buttons/variables in the template.
<space>/<Enter> Displays the data input screen for the chosen variable.
c/C Calculates the chosen variable (if available – designated by a "?" in the right-hand
column).
v/V Displays the variable choices for the currently selected variable (if available –
designated by a box surrounding the variable name).
Input Calculator Screen

In the number input calculator, button selections are the same as in the main calculator, except for the
following:
Keystroke Function
<Enter>/<return> Saves the changes.
<Esc> Cancels changes.
Time Selector
In the time selector, use scroll arrows or number buttons to change each the hour, minutes, seconds and
am/pm designation.
Date Selector
Keystroke Function
<Page Up> <Page Down> Changes month.
<Ctrl><Page Up> <Ctrl><Page Down> Changes year.

1.4 Moving Data between the Handheld and Windows

If you own both handheld and Windows versions of the software, it is possible to synchronize templates and
their corresponding data.
Palm OS
For Palm OS devices, synchronization can be turned off,

set to copy to the handheld only, to the PC only, or
synchronized both directions (two-way sync). With two-
way synchronization, the more recently changed
template will be transferred. To change this preference
for the next HotSync operation, tap the HotSync icon in
the system tray of your desktop computer (which is
usually in the bottom right corner of the screen):
Select "Custom…" from within the "HotSync" menu in your

Palm Desktop software. Double-click the powerOne
application and change your preference:
Pocket PC
The templates are synchronized either:
· Upon connection of the handheld device with the desktop.
· Under manual control by the user, by tapping the "Sync" button in
Microsoft ActiveSync.
The settings for synchronizing the Pocket PC and Windows versions are
reached by selecting "Options" from the "Tools" menu in ActiveSync. You
can disable sychronization between the handheld and desktop versions
by unchecking the box next to "Templates" in the "Sync Options" tab.

Getting Started 9
2 Using the Calculator

This section discusses the calculator display. The display is broken into four sections: the template bar across
the top, the view window, the keypad and the menu:
Each section is outlined below.
View Window
The view window shows both entered and calculated values. In addition, it shows certain status indicators:
· Clear: displays 'clear' when the current
value has been cleared during an arithmetic
operation. See the section on CE/C for
more information.
· Trig. Mode: displays current trigonometry
mode - 'deg' for degrees, 'rad' for radians.
· Display Mode: displays 'eng' when in
engineering display mode, 'sci' when in
scientific display mode.
· Input Mode: displays the current input
mode - 'ooo' for order of operations, 'chain'
for chain mode and 'rpn' for RPN mode. See
the section on Calculator Settings for more
information.
· Parentheses: displays the number of open
levels of parentheses. See the section on
parentheses for more information.
Template Bar & Template Quick Hit Button

The template bar offers quick access to templates within the application. See Using the Templates for more
information on navigation. Tapping the arrows left or right scrolls more templates into view while tapping the
template quick-hit button displays all available template categories at one time.
Function Button
Beyond the basic arithmetic functions available on the keypad, the most commonly used math, trigonometric
and statistics functions are supported via lists accessible through the function button. This button is labeled
"f(x)".
Programmable Buttons
The programmable buttons are preset with commonly used functions, but you may reprogram them in the
Preferences to other functions or even to quickly access a template of your choice. See the calculator
preferences screen (see Calculator Settings).

Keypad
The keypad is a series of buttons that allow for rapid entry of numbers and commonly used mathematical
functions. This keypad, in general, is broken into four sections. In the center of the keypad are the common
number keys. The right-hand side contains standard math functions. Along the top are advanced functions
and the left-hand side of the display contains functions for memory and number manipulation (backspace, sign
change and clear). See their respective sections for more information.
Menus
Palm OS Devices
Choosing the menu button to the lower, left-hand corner of the Graffiti input area accesses the menus.
Standard PalmOS edit choices, Graffiti help, Preferences, and application information can be accessed from
here.
The Edit menu:
Function Shortcut Comments
Copy /C Copies the selected text to the clipboard.
Paste /P Pastes the selected text from the clipboard to the
entry field.
Graffiti Help /G Help with Graffiti keystrokes.
The Options menu:

Function Shortcut Comments
Preferences /R Displays the calculator preferences.
Error Help /E Displays information about an error when one
occurs
Keystroke Help /O Displays information about Graffiti keystrokes
Beam… Easily beam the application with all of its
components
About… Displays company information.
Copy, paste, error and keystroke help, preferences and the about screen can all be reached from the
powerOne button as well.

Using the Calculator 11
Pocket PC Devices
The menu bar at the bottom of the display contains the menus available while using the calculator. Standard
edit choices, calculator settings and application information can be accessed from here.
The File menu:
Function Comments
Options Displays the calculator settings
Calculation Log Displays the log of recent calculations.
The Edit menu:

Function Comments
Copy Copy the selected text to the clipboard
Paste Paste the selected text from the clipboard to the entry field
Help is available by tapping the Windows Start menu in the top left corner of the display and scrolling down to
the "Help" entry at the bottom of the list.
Windows Computers
The menu bar contains standard edit choices, calculator settings and application information.
The File menu:
Function Comments
Options Displays the calculator settings
Calculation Log Displays the log of recent calculations.
Exit Select to exit the application.
The Edit menu:

Function Comments
Copy Copy the selected text to the clipboard
Paste Paste the selected text from the clipboard to the entry field
The Help menu:

Function Comments
Contents Application help.
About… Displays company information.

2.1 Performing Arithmetic

Functions are available either on the screen or from the list displayed when the "f(x)" button is selected. Select
that button to display the list. Other buttons function as standard calculator buttons.
The following sections contain further details:
· Input Mode
· Entering Numbers
· Mathematics
· Parentheses
· Memory
· RPN Stack and History List
2.1.1 Input Mode

This calculator can be used in standard or "order of operations" mode, chain or Reverse Polish Notation (RPN)
input mode.
The input mode affects how calculations containing two variable functions are evaluated:
Order of Operations Input Mode

This is the input mode used by many scientific calculators. In this input mode the calculator obeys what is
called the "order of operations" whereby each two variable operation is assigned a priority as follows (single
variable operations are performed immediately):
The following chart outlines precedence:
Order #Function
1 Negative (-x)
2 Powers and roots
3 Multiplication, division, and percentages
4 Addition and subtraction
5 Relationship operations (>, <=)
6 Logic or boolean operations (or, and)

To perform a computation, enter alternating values and functions, ending by tapping equals [=] to calculate. To
calculate 27 + 3 x 8.5:
Key Display Comments
C/CE 0 Tap twice to clear the display
27 27
+ 27.00
3 3
x 3
8.5 8.5
= 52.5 i.e. 27 + (3 x 8.5)
The number of decimal places displayed depends on the decimal setting. See the section on Calculator
Settings, page 15, for more information.
Chain Input Mode

This is the input mode used by many business calculators. In this input mode math is performed by alternating
chains of values and operations, each operation is evaluated as it is entered.
To perform a computation, enter alternating values and functions, ending with an equals to calculate. To
calculate 27 + 3 x 8.5:
27 27
+ 27.00
3 3
x 30.00
8.5 8.5
= 255.00 i.e. 27 + 3 = 30, 30 ´ 8.5 = 225
RPN Input Mode

This is the input mode commonly used by financial calculators and some engineering calculators. RPN input
mode uses a chain of values and then a chain of operations to perform the computations. This mode utilizes a
stack, which stores numerical entries. The stack works like a pile of dishes. Entering a number is like putting
a plate on top of the pile. This is called pushing onto the stack. To push a variable, enter the number then
press "ENT" (Enter). Performing a calculation is like taking a plate off the pile of dishes. This is called popping
off of the stack. To do this, press a two-variable function.
When a calculation is performed, the number at the top of the stack is the first operand while the number in the
visible view window is the second. The stack can be viewed at any time by selecting the "stack" function.
See the section on RPN Stack and History List for more details.

To calculate 27 + 3 x 8.5:
C/CE Tap twice to clear the display
27 27
ENT 27.00
3 3
ENT 3.00
+ 30.00
8.5 8.5
ENT 8.50
x 255.00
Note: the same answer can be derived by entering 8.5, 3 and 27 then adding and finally multiplying.
2.1.2 Entering Numbers

To enter a number, tap the corresponding keypad button (0-9, decimal point, or sign).
To enter -356.96, for instance, do the following:
3 3
5 35
6 356
. or , 356. Depends on the number format
9 356.9
6 356.96
+/– -356.96
The decimal point can either be displayed as a period or as a comma. This depends on the number format
mode used. See your Palm device owner's manual for more details.
The following are number entry functions:
Operation Example Comments
Number 0-9 Number pad items
Decimal point . or , Depends on the number format
Sign +/–
Exponent e or EE Exponential notation

To enter a number in Exponential Notation, enter the mantissa then enter the exponent.
For example, to enter -1.29e-54 do the following:
1.29 1.29
EE 1.29e Tap f(x), then "number", and then EE
+/– 1.29e-
54 1.29e-54
+/– -1.29e-54
The Backspace ( ¬) button allows for editing of numbers as they are entered. Tapping this button removes the
last digit entered (i.e., 54.32 becomes 54.3).
Tapping the Clear Entry/Clear (CE/C) button once clears only the currently entered number. Tapping it a
second time clears the entire computation.
2.1.3 Mathematics
Math functions are either one or two variable. Two-variable math, such as add, subtract, multiply and divide,
take two variables to compute. One-variable functions, such as square root and reciprocal (1/x), need only
one variable to calculate. Many math functions are visible on the screen. Others can be accessed via the f(x)
function button.
One Variable Functions
Multiple one-variable math functions are supported, including square root, x-squared, and reciprocal. These
functions use only the value in the main view window. For example, to calculate the square root of 8 (order of
operations or chain mode):
C/CE Tap twice to clear the display
8 8
Öx 2.83
The following are examples of one-variable math functions:

Operation Example Keystroke Answer
Absolute abs(-5) -5 [f(x)] [number] [abs] 5
Factorial 5! 5 [f(x)] [stats] [x!] 120.00
Last [f(x)] [number] [last]
Recalls the last calculated answer
Logarithm log(8) 8 [f(x)] [math] [log] 0.90
2 x
Natural anti-log or e 2 [f(x)] [math] [e ] 7.39
Exponential

Natural Log ln(4) 4 [f(x)] [math][ln] 1.39

Normal Standard Distribution nDist(.125) 0.125 [f(x)] [stats] [nDist] 0.55
Percent 15% 15 [f(x)] [math] [%x] 0.15
4 x
Power of 10 10 4 [f(x)] [math] [10 ] 10,000
Random number [f(x)] [stats] [rand] Various
Reciprocal 1/5 5 [f(x)] [math] [1/x] 0.20
Round [f(x)] [number] [rnd]
Rounds number to number of decimal
places set in the preferences.
Show [f(x)] [number] [show]
Shows all available decimal places
2
Square 8 8 [f(x)] [math] [x2] 64.00
Square root Ö8 8 [f(x)] [math] [Öx] 2.83
Trig Functions sin(30) 30 [f(x)] [trig] [sin] 0.50
Two-Variable Functions
Multiple two-variable math functions are supported, including basic math, power and percentage change.
Two Variable Functions: Order of Operations & Chain Mode
The following are examples of two-variable functions. These functions are the same when used in order of
operations and chain input modes:
Addition 8+3 8 [+] 3 [=] 11.00
Combinations N = 7, r = 3 7 [nCr] 3 [=] 35.00
Division 8¸3 8 [¸ ] 3 [=] 2.67
Greatest Common Divisor gcd of 6 and 4 6 [f(x)] [number] [gcd] 4 [=] 2
(gcd)
Least Common Multiple (lcm) lcm of 6 and 4 6 [f(x)] [number] [lcm] 4 [=] 12
Multiplication 8´3 8 [´ ] 3 [=] 24.00
Percent 15% of 350 350 [ ´] 15 [%x] [=] 52.50
Percent add-on 22.95 + 6% 22.95 [+] 6 [%x] [=] 24.33
sales tax
Percent discount 39.99 less 39.99 [–] 10 [%x] [=] 35.99
10%

Percent ratio 9 is what 9 [¸ ] 25 [%x] [=] 36.00

percent of 25
Permutations n = 5, r = 2 5 [f(x)] [stats] [nPr] 2 [=] 20.00
Power 34 3 [f(x)] [math] [yx] 4 [=] 81.00
3
Root Ö8 8 [f(x)] [math] [yÖx] 3 [=] 2
Subtraction 8–3 8 [–] 3 [=] 5.00
Two-Variable Functions: RPN Input Mode

The following are examples of two variable functions when used in RPN input mode:
Addition 8+3 8 [ENT] 3 [+] 11.00
Combinations N = 7, r = 3 7 [ENT] 3 [f(x)] [stats] [nCr] 35.00
Division 8¸3 8 [ENT] 3 [¸] 2.67
Greatest Common Divisor gcd of 6 and 4 6 [ENT] 4 [f(x)] [number] [gcd] 2
(gcd)
Least Common Multiple (lcm) lcm of 6 and 4 6 [ENT] 4 [f(x)] [number] [lcm] 12
Multiplication 8´3 8 [ENT] 3 [´] 24.00
Percent 15% of 350 350 [ENT] 15 [%x] 52.50
Percent add-on 22.95 + 6% 22.95 [ENT] 6 [%x] [+] 24.33
sales tax
Percent discount 39.99 less 39.99 [ENT] 10 [%x] [–] 35.99
10%
Percent ratio 9 is what 9 [ENT] 100 [¸] 25 [=] 36.00
percent of 25
Permutations n = 5, r = 2 5 [ENT] 2 [f(x)] [stats] [nPr] 20.00
4 x
Power 3 3 [ENT] 4 [f(x)] [math] [y ] 81.00
Root 3
Ö8 8 [ENT] 3 [f(x)] [math] [yÖ x] 2
Subtraction 8–3 8 [ENT] 3 [–] 5.00
2.1.4 Parentheses
To force evaluation of functions in a specific order (when in order of operations or chain input mode), use
parentheses. Any operation enclosed in parentheses is calculated before the operations outside the
parentheses.
To view intermediate results, tap the right parenthesis for each left parenthesis until the parenthesis indicator
shows "(0)". Note that the parenthesis indicator in the view window changes to reflect the number of left
parentheses in use.

2.1.5 Memory
There are ten memory locations, plus the system clipboard. To access the memory location, use the 'MEM'
button. To access the system clipboard, use Copy and Paste from the edit menu or by selecting the
powerOne button (PalmOS only).
Memory Locations
To store to a memory location, enter the number, and select MEM, Store and then select the memory location
(0 through 9). To recall a value, select MEM, Recall and then select the memory location. Recalling does not
clear the contents of the memory location. To clear a memory location, store 0 to it. You can clear all memory
locations by selecting MEM and Clear.
You can also perform arithmetic operations on the memory locations using the contents of the display window.
The following are some examples of how the memory can be used:
Function Key
Store 1.5 to memory location 1 [C/CE] 1.5 [MEM, Store, select memory location 1]
Add 34.5 to memory location 1 [C/CE] 34.5 [MEM, Store, +, select memory location 1]
Divide the contents of location 2 by 25 [C/CE] 25 [MEM, Store, ¸, select memory location 2]
Recall the contents of memory location 3 [MEM, Recall, select memory location 3]
Clear the memory location [C/CE][MEM, Store, select memory location]
System Clipboard
To store to the system clipboard, enter the number then select copy from the edit menu. This allows numbers
to be moved from one application to another. Recall information from the system clipboard by selecting paste
from the edit menu.
2.1.6 RPN Stack & History List

RPN Input Mode
In RPN input mode, access the RPN stack by either selecting the programmable button marked "stack" or by
choosing it from the f(x) function button by selecting [f(x)] [stack] [stack]. When the stack is displayed, select
outside the list to close it or select within the list to display a series of available operations:
· drop: throws out the selected value.
· dup (duplicate): copies the selected item into the view window.
· move: removes the item from its location in the list and places it in the main view window.
· rot (rotate): moves the list in a clockwise direction.
· rotrr (rotate reverse): moves the list in a reverse or counter-clockwise direction.
· swap (swap): swaps the selected value with the amount in the view window. This moves the selected
variable into the view window and the view window's value into the selected variable's location.
If these functions were not selected from the RPN stack itself, then it is assumed that the target value is the top
item on the stack. Note that two stack sizes are allowed: 4 or 11 registers (this includes the view window).
The default is 4 (as similar to the HP calculators). See the section on Preferences for more information.

Other Input Modes

In the other input modes, a history list of previous computations is available instead of a stack. The history list
can be accessed by selecting 'history list' from the 'f(x)' button.
The last entry in the history list may also be accessed using the 'last' function. Last recalls the last
computational result.

2.2 Calculator Settings

The Preferences or Options screen sets preferences for the main and input calculators. The templates have
their own preferences, detailed in the section on Using the Templates.
To access the calculator settings, go to the main calculator

display and then, on PalmOS devices, choose "Preferences"
from the powerOne button or "Preferences" from the
"Options" menu. On Pocket PC devices and Windows
computers, choose "Options" from the "File" menu.
Input Mode
Set the desired input mode by choosing a setting from the
popup list. There are three possible input modes:
· Order of Op.: selects order of operations mode.
· Chain: selects chain mode.
· RPN: selects RPN mode.
See Input Mode for details on each mode.
Stack Size
The stack size sets the size of the stack to either 4 or 11 registers in RPN mode. In order of operations and
chain input modes, this sets the size of the history list to 4 or 11 entries.
Decimal Setting
Set the displayed decimal places by choosing a setting from the pop-up list. There are thirteen possible
decimal place settings:
· Float: shows all available decimal places.
· 0-11: shows that many decimal places.
In addition, the show function displays all available decimal places until the next entry is made. This can be
used to quickly see all available decimal places when the decimal setting is not set to float.
In engineering display mode the decimal setting controls the number of significant digits displayed rather than
the number of decimal places: the number of significant digits displayed is 1+ the decimal setting.
Display Mode
There are three display modes: normal, scientific and engineering. In normal mode, numbers appear as they
are entered. In scientific mode, numbers are always displayed in scientific notation and likewise, in
engineering mode numbers are always displayed in engineering format.

Trig Mode
When using trigonometric functions, either degrees or radians can be used. Choose which mode by selecting
one of the two. In radians mode, 'rad' will appear in the lower part of the view window, otherwise 'deg' will
appear (note that no trig indicator is displayed in algebraic entry mode).
Programmable Buttons
The calculator has several (six on PalmOS devices, twelve on Pocket PC & Windows) programmable buttons
that may be set to any function or template within the application. To set a button, tap it to show a pop-up list of
available functions and templates. Select a function from the list and that function is set to the button. The
available items include functions and all templates. To access the template list choose "template" from the
bottom of the list that pops up when you select a button. After selecting a template you will be given the option
of setting a short name that will appear on the button.
Default Settings
To return the preferences to their default settings, choose the Default button next to Done. Note that the Input
Mode does not change.
2.3 Calculation Log
The calculation log displays computations as they are

entered, which makes double-checking easier.
You can view the log by:
· Palm OS devices - tap 'powerOne' on the main
calculator and select 'Calculation Log'.
· Pocket PC devices - from 'File' on the menu bar of the
main calculator, select 'Calculation Log...'.
· Windows computers - from 'File' on the menu bar of the
main calculator, select 'Calculation Log...'.
To scroll the list, choose the scroll arrows or scroll buttons.
For Pocket PC and Palm OS, the calculations log holds the
last 20 computations.
For Windows, the last 500 computations are stored.

2.4 Structure of the Function List

The f(x) button displays all available math functions associated with powerOne Finance. These functions are
broken into categories for faster access, as follows:
Math Number Trigonometric(trig) Statistics(stats) Stack

Percent [ %x ] Last Trigonometric functions Permutations [ nPr ] Drop [ drop ]
[ sin, cos, tan ]
Power [ yx ] Round [ rnd ] Arc-trigonometric Combinations [ nCr ] Duplicate [ dup ]
functions
[ asin, acos, atan ]
Root [ yÖx ] Show Hyperbolic function Factorial [ x! ] Move [ move ]
[ sinh, cosh, tanh ]
X-Squared [ x2 ] Greatest Common Arc-hyperbolic functions Random number Rotate (clockwise)
Denominator [ gcd ] [ asnh, acsh, atnh ] [ rand ] [ rot ]
Square root [ Öx ] Lowest Common Normal S-Distribution Rotate Reverse
Multiple [ lcm ] [ nDist ] (counter-clockwise)
[ rotr ]
Reciprocal [ 1/x ] Absolute value [abs] Swap [ swap ]
Natural Log [ ln ] Exponential Stack [ stack ]

notation [ EE ]
Logarithm [ log ] Pi ( constant equal
to 3.14159…)
x
Power of 10 [ 10 Left Parenthesis [ ( ]
]
Anti-Log [ ex ] Right Parenthesis [ ) ]

3 Using the Templates

Templates are used to perform financial, conversion, date, and statistics computations. This section details
their general use. See the section on each template for details on that specific computation. Finally, see the
appendix for information on errors.
Accessing the Templates

To access a template, choose a category from the template bar in the top, right-hand corner of the display.
This list scrolls right and left with the scroll arrows. For faster access, choose the template quick hit button to
the right of the template bar. This will list all template categories within the application.
Template Layout
All templates are similar in nature:
· Each template has a Clear button (on Pocket
PC this is the "C" icon in the menu bar) which
sets the data back to its default values.
· Each template has notes explaining how the it
is used. The notes are accessed through the "i"
icon (on Pocket PC this is the "i" icon in the
menu bar).
· To exit the template, select "Done" or "OK".
· The templates contain a menu allowing values
to be exported and the settings to be changed.
See Template & Variable Settings for details.
Templates contain data in a columnar form as

follows:
The first, or label, column contains the names of the variables. The second column contains the current value
of the variable. To enter a value, tap on the value column and enter it in the input screen. The third, or
evaluate, column contains "?" buttons next to variables that can be calculated. To compute a value, tap the "?"
button next to the variable to be computed.
Some templates offer multiple methods of looking at the same variable. In such cases, a box appears around
the variable's label. For example, in the Tip template (shown above), the tip can either be an amount ("Tip$"),
a percentage selected from a pop-up list ("Tip"), or a manually entered percentage ("Tip%").

3.1 Entering Data

In the templates, values are entered using the number input screen, data editor screen, date selector, or time
selector, depending on the type of data requested. The date and time selectors are standard to the operating
system on your device, used in applications such as the calendar and to do list. The number input and data
selector screens are native to the powerOne line of calculators.
Number Input Screen
The number input screen is used to enter numerical values in the templates.
When a value is selected, that value appears in the input
screen:
The keyed function buttons work similar to those in the main
calculator. All the functions available in the main calculator
are available to the input calculator through the "f(x)" function
list button. Entries made in the main calculator are separate
from the input screen except for the memory, which provides
a simple way of sharing values between the calculator and
templates.
To store the value in the input screen back to the template tap
the "ü" or save button.
To return to the template without saving, tap the "x" or cancel
button.
Data Set Editor Screen

The cash flow and statistics templates require lists of data,
always designated by the variable named 'Data Set'.
Tapping this field brings up the Data Set Editor Screen, a
table containing one or more rows of data points:
To enter a data point, select a location from a data column.
To insert, remove or clear a data point, select the row
number in the first column and select 'Insert', 'Remove' or
'Clear' from the popup list. The available memory on your
device limits how many data points you can enter. Use the
scroll bar to move up and down. Additionally, the
calculations for these templates may also have a scroll
bar, which list additional computations.
Date Selector
The date selector is used to enter dates.
On Palm OS devices, scroll the year with the left-right scroll arrows or change it by clicking and entering the
value with Graffiti input, and select a month and day to return to the template.
On PocketPC & Windows, use the left-right scroll buttons to change the month, select the year and use the up-
down scroll buttons or keypad to change its value, and select a day to return to the template.

Using the Templates 25
Time Selector
The time selector is used to enter times.
On Palm OS devices, change the hours and minutes by selecting the value and using the scroll arrows and
then selecting AM or PM.
On PocketPC & Windows, use the keyboard to change the hours and minutes and select the AM/PM to
change it.
3.2 Template & Variable Settings

Template Settings
Each of these settings refer to the currently selected template.
· Category: determines which category of the template bar the
template appears under. Templates can be moved to any
category. Beyond the built-in categories, the user has the
ability to create 10 additional categories by choosing "Edit
Categories…" from the pop-up list. These custom categories
appear in alphabetical order following the built-in categories
within the main calculator's template bar
(see Using the Calculator).
· Trig Mode: allows trigonometric operations to be done in
either degree or radian mode if it is not defined by the
template.
· Calendar: allows date arithmetic to be performed using an actual, 30/360, actual/360 or actual/365
calendar. Some templates allow for this change directly in the template itself.
The "actual" day count method counts the actual number of days in a month (even allowing for leap years)
and the total number of days in a year.
The 30/360 method treats all months as though they have 30 days and years as though they have 360
days.
The actual/360 method counts the actual number of days in a month, but treats years as though they have
360 days.
The actual/365 method counts the actual number of days in a month, but treats years as though they have
365 days.
These different day count methods are sometimes refered to as "basis" or "day count basis" and are
frequently used in financial calculations.
· Precision: some calculations require an iterative search for the answer (e.g., TVM interest rates) and take
more than 1 second to calculate. When this occurs, a Computing dialog will appear. Precision affects the
time of the calculation. Setting it to Full will calculate until full precision is reached. Setting it to Standard
will only calculate to the displayed decimal places. Full precision takes longer to calculate but is more
accurate than standard precision.
· Auto-Compute: when checked, the application will automatically determine when the "?" should be visible.
When a value is entered into the template, a "?" will appear next to any other variable which may be
affected by the change. When a value is recomputed, the question marks will disappear. While this is
checked, any other values that can automatically be recalculated will be after each change.
For example, if a template contains just two variables (such as most conversion templates), changing the
value of one variable will automatically cause the other variable to be recalculated. If unchecked, the
compute "?" will remain visible at all times, and values will only be recalculated when you tap their "?"

button.
Variable Settings
Each of these preferences refer to the variables within the currently
selected template. To set the preferences for a variable, first choose
it from the Variable pop-up list. Selecting "Set All" will set all the
variables to the current variable's preferences.
· Variable: the variable to set.
· Dec Setting: sets the displayed decimal places - float mode
displays all available decimal places, 0-11 sets the decimal places
to that number of places.
· Disp. Mode: numbers can be displayed in normal mode, scientific
notation or engineering notation. See Calculator Settings for
details.
· Justified: show the value left or right justified on the display.
· Visible: shows the variable if checked. A variable which is hidden
will not be recalculated, even if Auto-Compute is checked.
· Global: if checked, allows the value of the variable to be shared with other templates. The equation
variable is listed next to the 'Global' check box. In some cases this will be different than the displayed
variable name (shown at the top of the page next to the 'Variable' label). For this variable to be with other
templates, the other templates must contain the equation variable exactly as shown. In the example
shown, checking the 'Global' box and using 'Interest' as a variable name in other equations will share this
variable between templates.
· Range: available if the variable requires an iterative search to calculate its value. The range is the
maximum and minimum starting points for calculation. The closer these are, the faster and more
accurately a value can be derived. For more on iterative solving, see How the Solver Works.
3.3 Exporting Results

Template values can be exported to the Memo Pad on PalmOS devices or a text file on Pocket PC devices.
The file may then be synchronized to the desktop, opened and copied to the clipboard, or printed directly.
To use this function, enter variables and compute values first. Once this is completed, on the PalmOS choose
'Results to Memo Pad' from the Template menu, on Pocket PC choose 'Results to text file' from the Template
menu. A dialog will ask for a name for the exported text. Select OK to export the results or select Cancel to
stop the process.
3.4 Exporting & Importing Templates

To export a template, first go to that template, select the 'Template' menu from within the template, select
'Export Template...', and enter a file name for the template. On Palm OS and Pocket PC devices, the file
containing the exported template will be available for transfer to a desktop computer next time you synchronize
your device. On a Windows computer, the file will be in the selected folder. From there, the template can be
shared via email, physical media (i.e., floppy disk) or posted on a web site, such as Infinity Softworks' site. The
collection is located at:
www.infinitysoftworks.com/templates

Note that some templates cannot be exported (typically the built-in ones supplied with the application). A
dialog will appear (Palm OS devices) or 'Export Template…' will not be selectable (Pocket PC devices and
Windows computers) if that choice is not possible.
Multiple templates can be saved to the same file even if they have the same name (including duplicates of the
same template). This is how export category works – adding an entry to the file for each export-able template
within the current template's category.
By default, the imported templates will appear in the same category in which it was saved (if the creator had it
in the Business category, it will appear in your Business category). To move it, see the section on Template
Settings.
See below for information specific to your device.
Palm OS Devices
Exporting: During the next HotSync operation, exported templates are placed on the desktop computer under
the Palm folder / user name / back-up directory.
The exported template file remains on the device after it has been successfully copied to the desktop, so next
time the software is started a dialog will prompt you as to whether the file should be imported - selecting
'Delete' in the dialog will delete the file.
Importing: On the desktop computer, double-click the template file's icon to start the PalmOS Install Tool.
See your device user manual for more information on using the Install Tool. After synchronizing, start the
application. A dialog will appear for each template to install:
· Choose "Import" to import the template.
· Choose "Delete" to delete the file from the device without installing.
· Choose "Ignore" to ignore the file (do not import nor delete).
To import from an expansion card, go to "My Templates" under the "Solver" template category. Select "Import"
to import from the card.
Pocket PC Devices
Exporting: Place the device in the cradle and make sure it is connected to the PC. Use the 'Explore' icon on
Microsoft ActiveSync to find the exported template file on the device and copy it to the desktop computer.
Importing: Place the device in the cradle and make sure it is connected to the PC. Click the 'Explore' icon on
Microsoft ActiveSync to open the file explorer view of the device and copy the template file from the desktop
computer onto the device.
Start the powerOne application on your Pocket PC device, select 'My Templates' from the 'Solver' category.
Select 'Import...' from the menu bar. Use the dialog to navigate to the file that you installed and then select it to
complete the template set installation process.
Windows Computers
Exporting: Once exported, the file can be accessed from the appropriate Windows folder..
Importing: From within the powerOne application, select 'My Templates' from the 'Solver' category. Select
'Import...' from the menu bar. Use the dialog to navigate to the file that you want to install install and then
select it to complete the installation process.

3.5 Beaming Templates

Templates can be beamed using infrared connections to another user (the other user must have an
appropriate powerOne product to use the template, but does not have to be using the same device type). In
addition, all the templates in the current template's category may be beamed.
Note that some templates cannot be beamed (typically the built-in ones supplied with the application). A dialog
will appear if that choice is not possible.
See below for beaming information specific to your device.
Palm OS Devices
Can beam or receive templates to/from other Palm OS or Pocket PC 2002 devices (but not Pocket PC 2000
devices).
Sending: To beam a template, line up the infrared ports on two devices and then, from within the template to
be beamed, choose 'Beam Template' from the 'Template' menu.
Receiving: Line up the infrared ports on two devices. The template should be automatically received into the
application.
Pocket PC Devices
Sending: Pocket PC devices can beam templates to other Pocket PC or PalmOS devices. First export the
template (see Exporting Templates above). Then, from the Windows menu (icon in the top left corner of the
display), select 'Programs'Þ'File Explorer'. Tap and hold the pen on the file that was created during the export
step to get the context menu. Select 'Beam File...' or 'Send via Infrared...' and then line up the infrared ports
on the two devices.
Receiving: Pocket PC 2002 can receive templates from other Pocket PC or PalmOS devices. Pocket PC
2000 devices can only receive templates from Pocket PC devices. To receive a template, you must start the
infrared receiver program (from the Windows menu, select 'Programs'Þ'Infrared Receive') and wait for the
other device to send the file.
After the template(s) have been beamed you must import them into powerOne by following the steps under
'Importing Templates' above.
Windows Computers
Beaming is not available on Windows computer systems.

3.6 Creating Templates

It is easy to create custom templates. The solver is the technology that can take a formula and calculate for
any variable within that formula.
Quick Tutorial
Creating a template is as simple as entering a name and
formula. To get started, choose "New Template" from the
Solver category on the main calculator's template bar.
A formula for calculating inflation will be used to illustrate
the steps in creating a template
Step 1: Enter a Name

The first step is to enter a name - for the example, enter
"Inflation" (without quotes) in the 'Name' field.
Step 2: Enter the Equation

Enter your equation in the 'Equation' field. The equals sign
can go anywhere in the formula. Many of the built-in
functions may be quickly accessed by tapping the 'f(x)'
button.
For the inflation example, the formula is as follows:
Type the following (without quotes):

"FutureVal = PresentVal / ((1 + Inflation%) ^ Years)"
Step 3: Select a Category and Save

Choose a category on the template bar. All of the built-in categories appear in the list but you can also create
a new category - on the Palm OS by choosing "Edit Categories…", on Pocket PC devices by just entering a
new category name. 15 custom categories can be created. They will appear after the built-in categories on
the template bar.
For the example, choose the "Business" category from the category pop-up list.
When entry is complete, tapping 'Done' saves the changes and returns to the main calculator, 'Goto' brings up
the new template and 'Cancel' throws away any changes. Select 'Goto'.
Step 4: Use the Template

From this point on, the template acts like all other templates. See the section on Using the Templates for more
information on using and sharing your created templates.

To complete the example, the following problem can be solved:

Inflation: What is the purchasing power of $5,000 after 5 years if the inflation rate is 4%?
Variable Entry Comments
Clear… Clears the display
PresentVal 5000
Inflation 4
Years 5
Compute by selecting "?" next to FutureVal. The future value is $4,109.64.
3.6.1 Equations with the Solver

An equation is made of four components:
· Variables: the names of items that are either stored or calculated. These variables must consist of letters
(capital or lower case 'a' through 'z') and numbers (0 through 9) with a maximum of 11 characters. The
variable cannot start with a number. In the above inflation equation, FutureVal, PresentVal, Inflation and
Years are all variables. Any number of variables can be handle in an individual equation.
Note that the percentage symbol (%) is a mathematical symbol and cannot be used in the name of a
variable. (The built-in templates are able to use a label to represent the variable in the template view and
the label is not subject to the same restrictions as a variable's name.)
· Constants: these are values that do not change. In the above example, the number 1 is a constant. Do
not use digit separators (such as commas or spaces). For decimal separators, use the setting defined in
the system's Prefs view and indicated as the decimal separator button (either point or comma). Use the
keypad to enter these.
· Operators: mathematical symbols such as +, –, *, /, etc.
· Functions: allows for more advanced mathematical capabilities, which are built into the calculator. These
include math functions (such as square root) and finance functions (such as TVM payment). Some
functions are available via the function button (labeled "f(x)") while other can only be entered with Graffiti
strokes. For a definition of each available function, see the Function Reference.
Additional notes on entering equations:

· The solver follows order of operations precedence. To override order of operations or in cases where order
of operations is uncertain, use parentheses in the formula.
· Spaces are ignored. Often, when the equation is strung together on the screen without any spaces, it is
difficult to see. Use spaces to help.
· There is no implied multiplication. If an equation shows "z (1 + h)", that needs to be entered as "z * (1 +
h)".
· Often an either/or situation exists when performing a calculation. If statements are used to express these
relationships.

3.6.2 Accessing Custom Templates

There are multiple methods for accessing custom templates. The first is to select it from the main calculator's
template bar like any other template. The second is to use the "My Templates" list, available in the Solver
category of the template bar.
'My Templates' shows all custom templates created or
imported into the program and offers a central location to
easily start a new template, or open, edit, beam (PalmOS
only), import, export or delete existing templates. To start
a new template, select the "New" button at the bottom of
the display. To work with an existing template, select that
template and choose an option from the list:
· Open: starts the template for calculation.
· Edit: puts the template in edit mode by returning the
equation to the equation entry view.
· Beam: (PalmOS only) beams the template to another
powerOne user.
· Export: exports the template to the desktop.
· Delete: deletes the selected template.
For more information on using, beaming, importing and exporting templates, read the section on Using the
Templates.
3.6.3 Solver Examples

Constant Acceleration
What is the stopping distance for a car traveling 30 meters per second that is decelerating at 5 meters per
second 2? Use the following formula:
Enter the equation as follows:

Velocity1^2 = Velocity0^2 + 2 * Accelrtn * Distance
After entering the formula, select "Save" to start the template.

Calculating the answer:
Key Entry Comments
Velocity1 0 Stopped at end of distance
Velocity0 30 30 m/s at start of distance
Accelrtn -5 Slowing at 5 m/s 2

Compute the Distance by selecting "?" on its line. It will take 90 meters to stop.
Multiple Answers
For the following formula, x can be both a positive and negative answer when y is equal to 9. What are the two
answers?

y = x^2 - 3
The solver will usually find the positive answer first. Enter 9 for y and calculate x. The answer will return as
3.46.
Next, go to Variable Preferences in the Options menu and change the Variable pop-up list to "x". Under
Range, enter 0 for the maximum value. Recalculating x will give an answer of –3.46.
Home Loan
What is the principal and interest payment on a 30 year, $225,000 mortgage with 7% interest (assume monthly
payments)? Use the calculator's financial function tvmpmt to calculate an answer.

–Payment = tvmpmt(Years*12; IntRate; Mortgage; 0; 12; 12; 0)
To break down the formula:
· Payment: payment amount, negative because a pay-out of cash.
· Years * 12: number of periods assuming monthly payments.
· IntRate: interest rate entered as a percentage.
· Mortgage: amount of the mortgage.
· 0; 12; 12; 0: from left to right, the future value is 0, 12 payments per year, 12 compounding periods per year,
and payments are made at the end of the period (designated by 0, beginning designated by a 1)
Calculating the answer:
Key Entry Comments
Years 30 30 year loan
IntRate 7 7% interest rate
Mortgage 225000 $225,000 mortgage
Compute the Payment by selecting "?" on its line. The monthly payment for principal and interest is $1,496.93.
If Statements
Many company's use profit sharing formulas as an incentive to boost pay and drive higher corporate net
income. In this example, the following relationships are established for profit sharing:
· If net income is less than or equal to $1 million, there is no profit sharing.

· If net income is greater than $1 million but less than or equal to $5 million, profit sharing is 2% of monthly
pay.
· If net income is greater than $5 million, profit sharing is 4% of monthly pay.
If your monthly base pay is $3000, what is your net pay with profit sharing?
NetPay = BasePay + if(NetIncome <= 1000000; 0; if(NetIncome > 1000000 && NetIncome <= 5000000;
BasePay * .02; BasePay * .04))
To break down the formula:

· There are two if statements, the second "nested" inside the first.
· The format for if statements is if(conditional true; do this; otherwise do this).
· The first if statement says if net income is less than or equal to (<=) 1,000,000, add 0 otherwise do the
second if statement.
· The second if statement says if net income is greater than (>) 1,000,000 and (&&) net income is less than
or equal to (<=) $5,000,000, then add in 2% of the base pay. If it doesn't meet this condition, than net
income must be larger since we took care of all other conditions. Add in 4% of base pay instead.
· Note that nested if statements read from left to right. If the first criteria is true, the solver will not continue to
the false statement. Because of that, the formula could be written as: NetPay = BasePay + if(NetIncome
<= 1000000; 0; if(NetIncome <= 5000000; BasePay * .02; BasePay * .04)) leaving out "NetIncome >
1000000 &&" in the second, nested if statement.
Calculating answers:
· Enter 3000 for BasePay.
· Example 1: enter 0 for NetIncome and calculate NetPay. Your net pay is the same as your base pay,
$3,000.
· Example 2: enter 2,000,000 for NetIncome and calculate NetPay. Your net pay would be $3,060.
· Example 3: enter $10,000,000 for NetIncome and calculate NetPay. Your net pay would be $3,120.
3.6.4 How the Solver Works

The solver uses an iterative method to balance an equation and determine an answer, relying on a minimum
and maximum guess to "bracket" the answer. An equation is said to be in balance when, tabulated, the value
to the left of the equals sign is the same as the value to the right of the equals sign.
In its simplest form, an iterative solver determines a mid-point between a maximum and minimum guess and
evaluates the equation at all three points. It then decides which two points the equation is between – the mid-
point and minimum guess or mid-point and maximum guess – and calculates a new mid-point based on those
two points. It continues this cycle until it "guesses" the right answer. While powerOne Finance's solver is
more advanced than this, it is similar in nature.
When performing an iterative calculation, a Computing dialog appears. Guesses made by the solver flash on
the screen. If the "Cancel" button is selected, the answer will return as the last guess.
To speed execution and increase the likelihood of an answer, change the max and min range settings in the
Variable Preferences . In some cases, the solver can calculate an answer directly without iterating to an
answer. In this case, max and min range settings are not available.


Included Templates 35
4 Included Templates
The following templates are supplied with the application, listed by category:
Finance
· Black-Scholes
· Bond
· Cash Flow
· Depreciation - ACRS
· Depreciation
· Interest Conversion
· Simple Interest
· TVM
Business
· Breakeven
· Discount
· Markup
· Percent Change
· Percent Total
· Profit Margin
· Sales Tax
· Tip
Convert (Conversion)
· Area
· Currency
· Length
· Mass
· Temperature
· Volume
Stats (Statistics)

· Statistics
Calendar
· Date
· Time
Solver (Equation Solver)

· New Template
· My Templates
· (Any templates placed in the "Solver" category by the user)

4.1 Finance
4.1.1 TVM
Time value of money is the process of earning compound interest over a period of time. Compound interest
problems assume that the interest earned also earns interest. Computations such as loans, leases,
mortgages, annuities, and savings accounts are examples of compound interest problems.
In time value problems, positive and negative numbers have different meanings: positive numbers are inflows
of cash (cash received) while negative numbers are outflows (cash paid). A car loan, for instance, may have a
positive present value (because money was received from the loan company) but will have a negative payment
amount, since this is money that will be paid back to the loan company.
The Display
The TVM display includes a series of variables and buttons:
· Pmt Timing: the payment timing. Payments occur at the
beginning or end of the period. Payments made at the
beginning of the period are called Annuity Due. Most
leases are this kind. A payment made at the end of the
period is called an Ordinary Annuity. Most loans are this
kind.
· Present Val: the present value.
· Future Val: the future value.
· Payment: payment amount per period.
· Intrst/Yr%: interest per year as a percentage. For
· Periods: number of total periods. This number is the number of years and months times the periods per
year. For example, if the loan is 4 years with 12 payments per year (monthly payments), periods should be
48 (4 x 12).
· Periods/Yr: the number of payment periods per year. For example, if payments are made quarterly,
periods per year should be 4.
· Cmpnds/Yr: the number of interest compounding periods per year. Most of the time, compounding
periods per year should equal payment periods per year. For example, if payments are made monthly and
interest is compounded monthly, compounding periods per year and periods per year should both be 12.
There are also the following three buttons on the screen:
· xPY: quick set button for the number of periods. This button multiplies the value in periods by the value in
periods per year. For example, to convert 10 years at 12 periods per year to periods, enter 10 in periods,
12 in periods per year, and select xPY.
· ¸PY: quick set button for the number of periods. This button divides the value in periods by the value in
periods per year. For example, if periods is 60 with periods per year equal to 12, discovering that it is equal
to five years can be done easily by selecting ¸PY.
· Amort: access to the amortization screen. See the section on the amortization screen for more
information. If no data is entered in the TVM template, the amortization screen will not appear.

4.1.1.1 Amortization
The amortization screen displays period-by-period information for time value of money computations. Included
information is beginning and ending balances, payment, interest and principal amounts.
The TVM template allows calculations to be made based on payments at the beginning of the period or the
end (see Pmt Timing). This impacts the values shown in the amortization table in a way best illustrated by
time line diagrams:
Note that the Ending Balance will always be the same as the Beginning Balance for the following payment
period.
Note that the Ending Balance of a period will be less than the Beginning Balance of the next period by the
amount of interest that accrued during the period.

There are two amortization views: table and period.

Table View
The table view, set by choosing "Table" from the pop-up list in
the top right corner, displays period-by-period information.
The display, from left-to-right, shows the period being
displayed, data number one, and data number two. Either of
the data sets can display beginning or ending balance,
payment, principal, or interest. Select one by tapping on the
pop-up list above each column. Scroll through the list with
either the scroll arrows or scroll buttons.
Period View
The period view can be selected by choosing "Period" from the pop-up list in the top, right-hand corner.
To calculate the values over the range of periods, enter a period for Beg Period, one for End Period, and select
"?". The table will display information for Beg Balance, End Balance, Payment, Principal, and Interest over
that range.
Additionally, four buttons are available at the bottom of the
screen next to Done. These buttons are used to quickly enter
beginning and ending period values and perform
computations:
· Max: sets the ending balance to the maximum number of
periods.
· Next: moves to the next set of beginning and ending
periods. For example, with both set to one, selecting next
moves the beginning and ending.
· 1yr: calculates one year from the beginning period.
· Dup: duplicates the beginning period in the ending period.

4.1.1.2 Examples
Car Loan
When purchasing a new car, the auto dealer has offered a 12.5% interest rate over 36 months on a $7,500
loan. What will be the monthly payment?
Variable Enter Comments
Tap the Clear… button Sets the display to its default values
Pmt Timing End Loan pmt's are at the end of the period
Present Val 7500
Intrst/Yr% 12.5
Periods 36 3 years at 12 periods per year
Periods/Yr 12
Cmpnds/Yr 12
Compute payment by selecting "?" on the Payment line. The payment will be –250.90. It is negative because
it is a cash outflow.
Car Loan, Amortization 1

How much interest was paid for the first payment? (Assumes you are currently in the TVM template).
Button/ Control Enter Comments
Amort Goes to the amortization template
Interest Choose Interest from the data display 1 or 2 pop-up list
Interest for the first period is –78.13. This is negative because it is part of the payment, which is a cash
outflow.
Car Loan, Amortization 2

How much principal was paid for the first year if the car was purchased in January? (Assumes you are
currently in the TVM template).
Amort Goes to the amortization template
Period Select the amortization view in the top, right-hand corner.
Beg Period 1
End Period 12
Compute by selecting "?" next to Beg Balance. The principal paid for the first year is –2196.29. This value is
negative because it is part of the payment, which is a cash outflow.

Retirement Annuity
With 35 years until retirement and $15,000 in the bank, it is time to think about savings. How much would
have to be put aside at the beginning of each month to reach $2.5 million if an interest rate of 10% can be
expected.
Pmt Timing Begin
Present Val -15,000 Negative because cash out of hand
Future Val 2,500,000 Positive because future cash inflow
Intrst/Yr% 10.0
Periods 420 35 years x 12 periods per year
Periods/Yr 12
Cmpnds/Yr 12
Compute by selecting "?" next to Payment. The payment amount is –525.15. It is negative because it is a
cash outflow.
Savings Account
With $3,000 in a savings account and 3.75% interest, how many months does it take to reach $4,000?
Pmt Timing End
Present Val -3,000 Negative because cash deposit to open account
Future Val 4,000
Payment 0
Intrst/Yr% 3.75
Periods/Yr 12
Cmpnds/Yr 12
Compute periods by selecting '?' on the same line. To reach $4,000, it will take 92.20 periods (or 92.20 ¸ 12 =
7.68 years).

Home Mortgage
You have decided to buy a house but you only have $900 to spend each month on a 30-year mortgage. The
bank has quoted an interest rate of 8.75%. What is the maximum purchase price?
Pmt Timing End Loans payments at the end of the period
Future Val 0
Payment -900 Negative because cash outflow
Intrst/Yr% 8.75
Periods/Yr 12
Cmpnds/Yr 12
Compute present value by selecting "?" on the same line. You can afford a home with a price of $114,401.87.
Mortgage With Balloon Payment

(Continued from Home Mortgage) You realize that you will only own the house for about 5 years and then sell
it. How much will the balloon payment (the repayment to the bank) be?
Compute future value by selecting "?" on the same line. The balloon payment will be $109,469.92 after five
years.
Canadian Mortgage
Canadian mortgages compound interest twice per year instead of monthly. What is the monthly payment to
fully amortize a 30-year, $80,000 Canadian mortgage if the interest rate is 12%?
Pmt Timing End Loans payments at the end of the period
Present Val 80,000 Positive because cash inflow
Future Val 0
Intrst/Yr% 12.00
Periods/Yr 12
Cmpnds/Yr 2
Compute payment by selecting "?" on the same line. The payment will be –$805.11. It is negative because it is
a cash outflow.

Bi-Weekly Mortgage Payments

A buyer is considering a $100,000 home loan with monthly payments, an annual interest rate of 9% and a term
of 30 years. Instead of making monthly payments, the buyer realizes that he can build equity faster by making
bi-weekly payments (every two weeks). How long will it take to pay off the loan?
Part 1: Calculate the monthly payment
Pmt Timing End
Present Val 100,000
Future Val 0
Intrst/Yr% 9.00
Periods/Yr 12
Cmpnds/Yr 12
Calculating shows payment equal to –$804.62. It is negative because it is a cash outflow.

Part 2: Periods when making bi-weekly payments (continued)
Payment -402.31 Recall payment in the input screen and divide it by 2
Periods/Yr 26 Bi-weekly payments mean 26 per year
Cmpnds/Yr 12 Still compounding interest monthly
Calculating shows periods equal to 567.40 periods (567.40 ¸ 26 = 21.82 years).
APR of a Loan with Fees

The Annual Percentage Rate (APR) is the interest rate when fees are included with the mortgage amount.
Because the fees reduce the loan amount, the interest rate is higher. For example, a borrower is charged two
points for the issuance of a mortgage (one point is equal to 1% of the mortgage amount). If the mortgage
amount is $60,000 for 30 years with an interest rate of 11.5%, what is the APR?
Part 1: Calculate the actual monthly payment
Pmt Timing End
Present Val 60,000
Future Val 0
Intrst/Yr% 11.5

Periods/Yr 12
Cmpnds/Yr 12
Calculating shows payment equal to –$594.17. It is negative because it is a cash outflow.

Part 2: Periods when making bi-weekly payments (continued)
Present Val 58,800 The loan amount less 2% in fees. Calculate in the input
screen with 60000 [x] .02 [=] [+/– ] [+] 60000 [=]
Calculating shows interest per year equal to 11.76%.
Present Value of Lease with Advance Payments and an Option to Buy

With a lease, often there is an amount to be paid up-front and an option to buy at the back-end. A company is
leasing a machine for 4 years. Monthly payments are $2,400; an additional $2,400 payment at the beginning
of the leasing period replaces the final payment. The leasing agreement includes an option to buy the
machine for $15,000 at the end of the leasing period. What is the capitalized value of the lease, assuming that
the interest rate paid to borrow the funds is 18% compounded monthly?
Part 1: Find the present value of the payments
Pmt Timing Beg
Future Val 0
Payment –2,400
Intrst/Yr% 18.00
Periods 47 4 years at 12 per year less 1 advance payment
Periods/Yr 12
Cmpnds/Yr 12
Calculating shows present value equal to $81,735.58. Recall this to the input screen and save it to memory.
Part 2: Present Value of the buy option (continued)
Future Val –15,000
Payment 0
Periods 48
Calculating shows present value equal to $7,340.43.

Part 3: Calculate (continued)
Recall the present value to the input screen by selecting the Present Value's amount. Add in present value of
the payments stored in memory and $2,400 for the advanced payment. The answer is $91,476.00.

4.1.2 Cash Flow

The Cash Flow template analyzes financial investments involving outflows and inflows of cash which occur on
a regular basis but do not necessarily occur in similar amounts.
As with other templates, the Cash Flow template understands positive numbers to be inflows of cash (cash
received) and negative numbers to be outflows (cash paid). Note that, although the interval between cash
flows must be equal, the amounts of those cash flows do not have to be the same. Cash flows generally
involve some initial outflow of cash followed by subsequent inflows over a number of periods. For instance, an
initial outflow (designated by location 0) could be followed by various amounts paid back over five periods,
each period being one year apart. Cash flows do not have to be initial outflows followed by inflows, either.
Cash flows could be inflows preceded by outflows, or an initial inflow or outflow followed by some mixture of
cash flows as well.
See Understanding Cash Flows for a pictorial explanation of inflows and outflows.
The Display
The cash flow template includes a series of variables:
· Data Set: Data set of cash flow values and their
corresponding occurrences. The 0th cash flow is the initial
cash flow.
· Intrst/Yr%: Required to perform some cash flow
computations, the interest per year is entered as a
percentage. For instance, 8.25% would be entered as
"8.25".
· Periods/Yr: Periods per year automatically adjusts the
interest rate. When the interest rate is entered as a yearly
rate, entering a value for periods per year will automatically
determine the periodic interest rate. When calculating an
interest rate (with IRR or MIRR), the reported interest rate
will be on a yearly basis (the number of periods per year
entered times the rate).
· NPV: The net present value (NPV) method computes the amount gained or lost on a given investment in
today's dollars. This uses a market rate of return (interest per year) to discount cash flows back to the
present. Assuming an initial cash outflow, a positive NPV means the investor's assets would increase and
the investment should be attractive. A negative NPV means that the investor's assets would decrease and
the investment is not attractive. If NPV is zero, then the investor would probably be neutral to the
investment. If the initial cash flow is an inflow, the reverse would be true.
· IRR: The internal rate of return (IRR%) computes the rate at which the investment pays for itself. This can
be compared against a desired rate of return. If the IRR is greater than a desired rate, the investment may
be attractive. The internal rate of return method does not take interest per year or periods per year into
consideration when calculating.
The internal rate of return calculation is very complicated. Calculating IRR uses an iterative approach to
solving the problem and, if there is an answer, may take quite some time to calculate. A few caveats to
calculating internal rate of return exist. First, long calculations may be interrupted because an iterative limit
is exceeded within the calculator itself. Errors may occur in other areas as well. If there is no sign change
within the cash flow problem, an error will occur. If the cash flow will yield a negative IRR amount, an error
will occur. A negative IRR means that there is at least one negative answer and possibly multiple negative
and positive answers to the same cash flow question. In these situations, the calculator will not display an

answer. Finally, if there are multiple sign changes (two or more) within the same problem, there may be
multiple solutions. The calculator gives the IRR closest to 0, but extreme caution should be used in basing
an investment on this type of cash flow. See the Understanding Cash Flows section for more information.
Another method for solving IRR problems is by estimating an interest per year value and calculating net
present value (NPV). Internal rate of return is calculated by solving for NPV when it is equal to 0. With this
in mind, by estimating an interest per year amount, you can solve for the internal rate of return. The closer
to a net present value of zero, the more accurate the IRR estimate becomes.
· NFV: The net future value (NFV) computes the future value of the net present value.
· MIRR: The modified internal rate of return (MIRR%) is an alternative for IRR when there is more than one
sign change. When IRR has multiple sign changes, IRR can have more than one answer. MIRR
eliminates sign changes by using reinvestment and borrowing interest rates instead (the Cash Flow
template assumes these rates are the same).
· NUS: The net uniform series (NUS) performs computations by taking the net present value of the cash
flows if they are even and regular.
· Payback: The payback method tells at which period an initial investment will be paid back. If there is no
payback, the reported answer is 0. The payback method does not take interest per year or periods per
year into consideration when calculating.
· Pft Index: The profitability index, also known as the benefit/cost ratio, shows the relative profitability of any
cash flow problem, dividing the present value of the inflows by the present value of the outflows.
· Total: The total is the sum of the cash flows.
Data Entry
Solving Cash Flow problems requires three pieces of information. This section covers those three parts: the
initial investment, subsequent cash flows, and supporting materials.
Initial Investment
To enter an initial investment, tap on the Data Set variable to bring up the data editor. Select 'Amount' for cash
flow number 0 and enter the amount. Remember that outflows are negative numbers while inflows are positive
ones. Make sure that the value for 'Occurrences' is 1.
Subsequent Cash Flows

Subsequent cash flows are entered after the initial investment.
Supporting Materials
Supporting materials include interest per year (Intrst/Yr%) and periods per year (Periods/Yr). Interest per year
should be entered as a yearly interest rate. The Cash Flow template automatically changes this to a "per
period" rate based on the value of Periods/Yr. For example, if the expected or industry interest rate is at
12.25%, enter "12.25".
Calculations
To calculate a cash flow variable, select "?" next to the variable.

Examples
Cash Flow Estimates
Your company is looking to buy a new piece of equipment to help it increase manufacturing capacity to meet
demands for its largest product. The managers are wondering what the return would be if the equipment was
purchased for $8,000. You can expect at least a 15% return on the investment elsewhere and are counting on
the following yearly cash flows: Year #1: $2,000, Years #2-#3: $3,000 each year, Years #4-#6: $4,000 each
year. What are each of the cash flow computations for comparison?
Clear… Sets the display to its default values
Data Set… Opens the data editor...
Enter the cash flow items into the data editor:

# Amount Occurrences
0 –8,000 1 Iinitial cash outflow, which occurs once
1 2,000 1 Next cash flow item is $2,000 inflow which occurs once in year 1
2 3,000 2 Next item is $3,000 inflow which occurs twice, one time each in years
2 and 3
3 4,000 3 Next item is $4,000 inflow which occurs three times, one time each in
years 4, 5 and 6
Tap 'Save' to save the cash flow data and return to the cash flow template. Enter the interest per year and
periods per year:
Intrst/Yr% 15
Periods/Yr 1
Calculating each of the remaining items in the template yields the following answers:
· NPV = $3,985.14
· IRR% = 29.93%
· NFV = $9,217.87
· MIRR = 23.01%
· NUS = $1,053.02
· Payback = 3 periods (in this case years because periods per year is one)
· Pft Index = 1.50
· Total = $12,000

Modifying
(Continued from the previous problem.) The initial cash flow was considered incorrect by manufacturing. The
new estimates are as follows: Year #1: $500 loss, Years #2-#3: $3,000 each year, Years #4-#9: $2,000 each
year. What is the NPV, IRR, and NFV?
Key Enter Comments
CF 1 – Amt –500 Change $2,000 to –$500
Insert a new 3rd cash flow by selecting the number labeled 3 and choosing Insert.
CF 3 – Amt 2,000 Period 3 is $2,000 inflow

CF 3 – Occ 6 CF1 occurs six times
Remove the 4 th cash flow by selecting the number label 4 and choosing Remove.
Calculating shows the following answers:

· NPV = $782.91
· IRR% = 17.38%
· NFV = $2,754.20

4.1.3 Understanding Cash Flows

To further understand the cash flow model, here is an example of a timeline. Note that inflows of cash are
treated as positive amounts (designated by a [+] sign) and outflows of cash as negative amounts (designated
by a [–] sign).
The Cash Flow and Time Value of Money templates both use cash flows. The difference is in the entry and
interpretation. The Time Value of Money template deals with cash flows as annuities. Each of these cash
flows are the same amount. The loan, lease and regular deposit examples on the next page are annuity
problems solved in the TVM template. The Cash Flow template deals with investments where the payment is
in varying amounts. An example:
This example shows a typical loan problem, where the initial cash flow, the loan amount, is an inflow. Each of
the subsequent cash flows - payments to the bank - are cash outflows.
A few items to note:

· The length between cash flows is the same. This denotes that inflows and outflows occur at regular
intervals of time.
· This cash flow begins with an inflow followed by subsequent outflows of cash. The cash flow can, however,
begin with an outflow and be followed by subsequent inflows of cash. Furthermore, there can be mixed
inflows and outflows of cash.
· The payment amounts are the same length, meaning that each payment is the same amount. This could
differ for Cash Flow template problems as explained above because of the possibility for varying sized cash
flows. Assume that, at the end of the series of cash flows, there was some larger payment (called a balloon
payment) to pay off this loan because the last cash flow is longer than the others.
All cash flow problems can be represented in this fashion, with cash inflows and outflows viewed over some
time period. The following are examples of other types of cash flow or TVM problems:
Examples
Leases
Investment with regular deposits

Cash flow with one sign change

4.1.4 Interest Conversion

Comparing interest rates may be necessary when two investment possibilities present themselves.
Investments are usually stated in terms of an annual, nominal interest rate (or annual percentage rate) but
each investment often has a different number of compounding periods per year. To compare these
investments, the interest rates must first be converted to an annual, effective interest rate.
The Display
· Method: conversion method: either continuous or periodic.
With periodic interest conversion, there is a set number of
compounding periods per year, such as quarterly (4 times
per year), monthly (12), or yearly (1). With continuous
compounding, there is no set number of periods per year.
· Nominal%: the annual, nominal interest rate expressed as
a percentage. For example, 8.25% is entered as "8.25".
· Effective%: the annual, effective interest rate expressed as a percentage. For example, 8.25% is entered
as "8.25".
· Cmpnds/Yr: the number of compounding periods per year. For example, if interest is compounded
quarterly, this value would be set to "4". Compounding periods per year is available only when the method
is set to periodic.
Example
You are presented with two competing investments. The first is compounded monthly with a nominal interest
rate of 9.75%. The other pays at an effective interest rate of 10%. Which investment has a better interest
rate?
Method Periodic
Nominal% 9.75
Cmpnds/Yr 12
Compute the effective rate by selecting "?" on the same line. The first investment's effective rate is 10.20%. It
has the better interest rate.

4.1.5 Bonds
Bond computations are used to calculate corporate or municipal bond investments. These computations
include two day-count methods (actual or 30/360) and four coupon per year settings (once, twice, four, or
twelve times per year).
The Display
The bond template includes a series of variables:
· Date Basis: computations based on actual/actual
month/year method or the 30/360 method. See Calendar –
Date computations for more information on each of these
methods.
· Pmt Basis: How often the coupon payments occur: 1, 2, 4,
or 12 times per year.
· Sett Date: the settlement or purchase date.
· Mat Date: the maturity or call date. This date always
occurs after the settlement date. This date is called a call
date when the issuer can pay off the bond before the
maturity date. Maturity date can also be called the
redemption date.
· Cpn Rate%: the annual coupon rate as a percentage. This is the annual interest rate printed on the bond
and is used to determine the coupon payment (the periodic payment of interest). This value is entered as a
percentage. For example, 7.25% is entered as "7.25".
· Rdmptn Val: the redemption value is a percentage of the bond's par value that is paid to the owner when it
is retired. If the calculation is to the maturity date, this value is 100. This is the standard set by HP. If the
calculation is to a call date, this value varies. The par value is the value printed on the bond itself. A bond
is often said to sell at a premium or discount. This is reflected in the redemption value. A bond that sells at
a discount sells at less than par value. Bonds that sell at a premium are for more than par value.
· Yield%: the yield to maturity or redemption. This is the rate of return to the investor based on earnings
from payments of principal and interest. This includes a sale at a premium or discount. To calculate yield,
a value for price must be entered. This value is entered as a percentage. For example, 8.385% is entered
as "8.385".
· Price: the dollar price. To calculate the dollar price, a value for yield must be entered.
· Acc Interest: the accrued interest based on $100 of par value. This value is calculated automatically when
computing either yield or price.

Example
A corporate bond matures on November 30, 1999 with a settlement date of August 14, 1996. It pays 13%
coupon on a semi-annual basis, with a 30/360 day-count method. It will be redeemed at 100% of par and an
annual yield of 13.75%. What is the price and accrued interest?
Key Entry Comments
Date Basis 30/360
Pmt Basis Semi-Annual
Sett Date 8/14/96 August 14, 1996
Mat Date 11/30/99 November 30, 1999
Cpn Rate% 13
Rdmptn Val 100
Yield% 13.75
Compute the price by selecting "?" on the same line. The accrued interest computes automatically. The price
is $98.01 and the accrued interest is $2.67.

4.1.6 Depreciation
Depreciation is an important source of revenue reduction in businesses. The four most common depreciation
methods for book purposes are available: straight-line, declining balance, sum-of-the-year's digits, and
declining-balance crossover. A separate template provides ACRS depreciation, often used for tax purposes.
The Display
There are four types of depreciation calculations that can be performed:
· SL: straight-line
· DB: declining balance
· DB x SL: declining balance with crossover to straight-line
· SOYD: sum of the year's digits
To choose a calculation method, select one from the pop-up
list next to the label "Method".
Additional data is as follows:
· Cost: the cost to purchase the asset.
· Salvage: the assumed value of the asset at the end of the
asset's life.
· Life: the length of time the asset will be in service.

· Month 1: the first month the asset will be placed in service where January is 1 and December is 12.
Entering "6.5", for example, means the asset was placed into service half way through the sixth month
(approximately June 15).
· Dep Rate%: the declining balance rate. This is used in DB and DB x SL calculations. This is entered as a
percentage. For example, 200% declining is entered as "200".
· Year: year to calculate depreciation.
Because an asset can begin depreciation on a date other than the first of the year, the calendar life may be
greater than the amount entered for Asset Life. For instance, if an asset is expected to have a useful life of 3
years, beginning in March (the third month), the last calendar year is actually the fourth year:
Calculation Methods
The straight-line (SL) method depreciates the same amount every year of the asset's life.
The declining balance (DB) method depreciates more in the first few year's of the assets life than in the later
years. This method, along with the DB x SL method, uses the declining balance rate to calculate the
depreciation value.
The declining balance cross straight-line (DB x SL) method is often used for tax purposes. In this instance, the
declining balance method is used until the optimal time to switch to the straight-line method. The calculator

determines this point when depreciation is higher using the straight-line method than the declining balance
method. This method also uses the declining balance rate for depreciating.
The sum of the year's digits (SOYD) method, like declining balance, allocates more depreciation to the early
years of the asset's life. This method uses a complex formula based upon the number of years the asset will
be in service to determine a depreciation rate.
Using one of these computation methods, the depreciation template calculates three pieces of information
when "?" next to the depreciation amount value is selected:
· Dep Amount: amount of depreciation for the year.
· Book Val: original cost of the asset less accumulated depreciation. Accumulated depreciation is the total
depreciation taken through the calculated year. This is the value of the asset remaining on the company's
books.
· Dep Val: depreciation value. This is the book value less the salvage value for the asset.
Example
$80,000 worth of equipment was recently purchased in the middle of June. With a five-year useful life and no
salvage value, these computers will be depreciated using the declining balance method at a 200% rate. What
is the depreciation amount for the first year?
Method DB
Cost 80,000
Salvage 0
Life 5
Month 1 6.5 Half way through the sixth month
Dep Rate% 200
Compute the depreciation information by entering the year and selecting "?". The depreciation amount will be
$17,333.33.

4.1.7 ACRS Depreciation

For tax purposes, ACRS Depreciation is used. This template will help with these calculations.
The Display
The ACRS Depreciation display includes a series of variables:
· Cost: the cost basis of the asset to be depreciated.
· Dep Rate%: the percentage to be depreciated. To
determine this value, use the appropriate income tax
ACRS or MACRS table.
· Dep Amount: the amount depreciated.
Example
For tax purposes, how much is depreciated in the third year of a five-year useful life asset where the cost basis
is $80,000? Assume the percent deductible in the first year is 15%, second year is 25%, and third, fourth and
fifth years is 20%.
Cost 80,000
ACRS% 20
Compute the Dep Amount by selecting "?" on the same line. The depreciation amount would be $16,000.

4.1.8 Black-Scholes
Black-Scholes option pricing model is a popular method of pricing market-able options.
The Display
The Black-Scholes template includes a series of variables:
· Stock Price: Current stock price.
· Strike Price: Option strike price.
· Risk Free%: Risk free interest rate as a percentage.
· Volatility%: Stock volatility either implied or historical as a
percentage.
· Price Date: Date of the stock's price.
· Expire Date: Expiration date of the option. The time to
expire is calculated using the price date and expiration
date.
· Call Price: Resulting call price.
· Put Price: Resulting put price.
Example
Company ABC's stock is priced at $52.25 on October 17, 2001. The stock price historically has shown 20%
swings in pricing. Treasury bills are yielding 5% interest. What would be the normally expected price of a put
or call at the $55 strike that expires on March 29, 2002?
Key Enter Comments
Stock Price 52.25
Strike Price 55.00
Risk Free% 5 Price of a U.S. T-bill
Volatility% 20
Price Date 10/17/01 October 17, 2001
Expire Date 3/29/02 March 29, 2002
Compute the price by selecting "?" next to Call Price. The Call Price is $2.12 while the Put Price is $3.66.

4.1.9 Simple Interest

Simple interest problems assume that interest is accumulated only once (at the time of repayment). These
computations are performed in the Simple Interest template. For compounding interest computations use the
Time Value of Money (TVM) template.
The Display
The display consists of a series of variables:
· Present Val: the present or current value.
· Future Val: the future value.
· Intrst/Yr%: interest per year as a percentage. For
example, 8.25% interest should be entered as "8.25".
· Periods: number of total periods. This number is the
number of years and months times the periods per year.
For example, if the loan is 4 years with 12 payments per
year (monthly payments), periods should be 48 (4 x 12).
· Periods/Yr: the number of payment periods per year.
Additionally, there are two buttons at the bottom of the template:

· xPY: quick set button for the number of periods. This button multiplies the value in periods by the value in
periods per year. For example, to convert 10 years at 12 periods per year to periods, enter 10 in periods
and 12 in periods per year then select xPY.
· ¸PY: quick set button for the number of periods. This button divides the value in periods by the value in
periods per year. For example, if periods is 60 with periods per year equal to 12, discovering that is five
years can be done easily by selecting ¸ PY.
Example
A good friend has asked for a 90-day loan of $2,500 to get involved with a real estate investment. You have
agreed to lend him the money at 9% interest, calculated on a 360-day basis. What amount will be paid back at
the end of this period?
Present Val –2,500
Intrst/Yr% 9
Periods 90
Periods/Yr 360
Compute the future value by selecting "?" on the same line. The friend should repay $2,556.25 in 90 days.

4.2 Business
4.2.1 Breakeven
For any company, making a profit is the key to success. By analyzing the relationship between revenues and
expenses, the levels at which a company has to operate in order to break even can be determined.
Breakeven is the point at which expenses equal revenues. Until that point, a company is operating at a loss.
The Display
The breakeven display includes a series of variables:
· Fixed Cost: the fixed costs. These are costs that are not
dependent on each unit sold. An example is rent –
whether 0 or 5000 units are sold, the rent will always be
the same.
· Var Cost: the variable cost per unit. These are costs that
are dependent on each unit sold. For instance, shipping
costs do not occur unless a unit is sold.
· Price: the price per unit. This is the price at which the
product is sold.
· Tax Rate%: applicable tax rate as a percentage.
· Profit: the amount of profit determined or expected. Positive values are profits while negative ones are
losses.
· Quantity: the number of units sold.
Example
A startup company has $500,000 in operating expenses every month. It is introducing its first product, which
costs $115 to produce. This product will sell to distributors for $245 per unit. Its tax rate is 40%. How many
units must the company sell every month to cover its costs (break even)?
Fixed Cost 500,000
Var Cost 115
Price 245
Tax Rate% 40
Profit 0
Compute the quantity by selecting "?" on the same line. The company needs to sell 3,847 units per month.

4.2.2 Discount
This template performs discount computations:
· Price: current price.
· Sales Price: sales price.
· Discount%: percentage discount. For example, a 30%
discount would be entered as "30".
Example
To perform this computation, choose Discount from the template menu on the main screen. The coupon is for
10% off the original cost. What is the discounted price if the cost is $9.99?
Price 9.99
Discount% 10
Compute the price by selecting "?" on the same line. The sales price is $8.99.
4.2.3 Markup
This template performs markup computations:
· Method: computation based on price or cost. Profit
margin computations are based on price; percent change
computations are based on cost.
· Cost: the cost to manufacture or purchase.
· Price: the selling or resale price.
· Markup%: the markup expressed as a percentage. For example, an 8.125% change would be entered as
"8.125". A positive value represents an increase while a negative one represents a decrease.
Example
To perform this computation, choose Markup from the template menu on the main screen. The clothing is sold
at a 25% markup on cost. What is the price if the cost is $29.99?
Method % of Cost
Cost 29.99
Markup% 25
Compute the price by selecting "?" on the same line. The price is $37.49.

4.2.4 Percent Change

This template performs percentage change computations with one or more compounding periods:
· Old: the old value.
· New: the new value.
· Change%: the percentage changed per period. For
example, an 8.125% change would be entered as "8.125".
A positive value represents an increase while a negative
one represents a decrease.
· Periods: the number of periods.
Percent change set to one period and markup as a percentage of cost are identical computations.
Example
To perform this computation, choose Percent Change from the template menu on the main screen. Over 4
years, sales increased from $45 million to $115 million. The industry average is 20% increase per year. How
does your company compare?
Old 45,000,000
New 115,000,000
Periods 4
Compute the percent change by selecting "?" on the Change% line. Sales have increased 26.44% per year,
comparing favorably to the 20% industry pace.
4.2.5 Percent Total

This template performs percent total computations:
· Total: the total.
· Part: the portion of the total.
· Total%: the percentage of the total. For example, an
8.125% change would be entered as "8.125".
Example
To perform this computation, choose Percent Total from the template menu on the main screen. Your division
contributes 23% of the company's revenue. If total revenue is $3.15 billion, what is your division's
contribution?


Total 3,150,000,000
Total% 23
Compute the part by selecting "?" on the same line. Your division contributes $724,500,000 in revenue.
4.2.6 Profit Margin

This template performs profit margin computations:
· Cost: the cost to manufacture or purchase.
· Price: the selling or resale price.
· Margin%: the gross profit margin expressed as a
percentage. For example, an 8.125% change would be
entered as "8.125". A positive value represents an
increase while a negative one represents a decrease.
Profit margin and markup as a percentage of price are identical.
Example
To perform this computation, choose Profit Margin from the template menu on the main screen. Your division
contributes $724,500,000 in revenue. The costs associated with revenue are $580,000,000. What is the profit
margin?
Cost 580,000,000
Price 724,500,000
Compute the profit margin by selecting "?" on the Margin% line. The profit margin is 19.94%.
4.2.7 Sales Tax

This template performs sales tax computations:
· Before Tax: before tax amount.
· Tax Rate%: tax rate expressed as a percentage. For
example, a 6% tax rate would be entered as "6".
· After Tax: after tax amount.

4.2.8 Tip
The tip template computes tip, total bills, and performs bill-splitting functions.
· Bill: the bill amount before tip.
· Tip/Tip%/Tip$: "Tip" allows a percentage to be chosen
from the pop-up list. "Tip%" allows a tip percentage to be
manually entered. "Tip$" allows a tip amount to be shown
or entered.
· Total: the total amount including the tip.
· #People: the number of people paying for the meal.
· Ttl/Person: the total per person, split evenly among the
people paying for the meal.
The tip computation calculates from the top, down. In other words, to calculate the tip amount, it will first
attempt to use Bill, then Total, and finally Ttl/Person to calculate. It knows to use a value when the variable is
not zero. If Bill is 0, for example, it will use Total.
Examples
Tip Calculation 1
To perform this computation, choose Tip from the template menu on the main screen. At a team business
lunch, your four person team (including you) goes to lunch. The total bill is $45. With a 15% tip, what should
each person contribute?
Tap the Clear… Sets the display to its default values
button
Bill 45
Tip% 15
#People 4
Compute the total by selecting "?" on the same line. The total is $51.75 and each person should contribute
$12.94 (Ttl/Person).
Tip Calculation 2
For the example above, the company will pay the entire bill instead. What is the tip and the total bill?
Compute the tip amount by tapping on "Tip%" and selecting "Tip$" and then selecting "?" on the same line.
The tip comes to $6.75. As before, the total bill is $51.75.

4.3 Statistics
This template analyzes statistical data sets. It is useful for performing market data analysis with its ability to
calculate mean and standard deviation, among other computations. The statistics template is capable of
analyzing one and two variable statistical data.
The Display
Statistics Template
The statistics template consists of the following:
· Method: There are five available regression models. For
two-variable statistics, regression models include linear,
exponential, natural log, and power. The fifth model is
one-variable regression & statistics.
· Data Set: Data set of x values and their corresponding
occurrences or y values, depending on the selection for
Method above.
· Occ: Number of items
· Mean X: Mean of x values
· SX: Sample standard deviation of x
· Sigma X: Population standard deviation of x
· Sum X: Sum of x
· Sum X2: Sum of x-squared
· Min X: Minimum x value in the set
· Max X: Maximum x value in the set
· Range X: Max x minus min x
The following are available when using methods other than
one variable statistics:
· Mean Y: Mean of y values
· SY: Sample standard deviation of y
· Sigma Y: Population standard deviation of y
· Sum Y: Sum of y
· Sum Y 2: Sum of y-squared
· Sum XY: Sum of x times y
· Min Y: Minimum y value in the set
· Max Y: Maximum y value in the set
· Range Y: Max y minus min y
· A: Regression y-intercept

· B: Regression slope
· R: Regression correlation coefficient
· X': Predicted x-value
· Y': Predicted y-value
To perform a statistics problem, data must be entered in the first line of the template marked "Data Set".
Data Set View

Tapping the Data Set field in the statistics template brings up
the data set view - from left to right, the columns are:
· Number (#): the statistics number. The number of values
that may be entered is limited by the available memory on
the device.
· x: the statistic's x-value.
When 'method' is set to 'one variable':
· Occurrences: the number of occurrences.
When using the other methods:
· y: the statistic's y-value.
For more on data entry, see Using the Templates.

Whenever the data set is saved the statistics template is
updated and all values recalculated to reflect any changes in
the data set.
Regression Models
Four different regression models are available for determining the best fit for curves and forecasting. The X
value is considered the independent variable while the Y variable is the dependent one. The formulas used
are as follows:
Model Formula Restrictions
Linear Y= a+ b*X None
Logarithmic Y = a + b * ln(X) All X values > 0
Exponential Y = a * bX All Y values > 0
Power Y = a * Xb All X and Y values > 0
The results are calculated using the following values:

· Linear: uses X and Y
· Logarithmic: uses ln(X) and Y
· Exponential: uses X and ln(Y)

· Power: uses ln(X) and ln(Y)

In addition, the correlation coefficient r measures the closeness of the fit. The closer r is to 1 or –1 the better
the fit. The closer r is to 0, the worse the fit.
Examples
One-Variable Statistics
When analyzing your electricity prices, you noted over the past six months the bills were: 60, 75, 150, 185,
165, and 95. What is the mean and standard deviation of the bills?
Enter the bill amounts into the data editor:

# x Occurrences
1 60 1
2 75 1
3 150 1
4 185 1
5 165 1
6 95 1
Tap 'Save' to save the data and return to the statistics template. The statistical values are automatically
calculated: the mean is 121.67 and the population standard deviation is 47.23.
Two-Variable Statistics
Your company has five sales offices around the world and is thinking of adding a sixth. The president of the
company wants to know if there is a correlation between the number of salespersons at a branch and the
volume of sales per month. What volume of sales can be expected at the new sixth branch if it has 10 sales
people?
Site Number Sales Sales per month ($)
People
1 8 200,000
2 13 237,250
3 15 397,500
4 18 427,590
5 12 242,820


Method Linear Select the regression method
Enter the number of sales people and sales into the data editor:
# x y
1 8 200,000
2 13 237,250
3 15 397,500
4 18 427,590
5 12 242,820
Tap 'Save' to return to the statistics template. After the statistical values have been recalculated, scroll down
to the bottom of the template and enter 10 for X' and compute Y'. Sales can be expected to be approximately
$219,916.79. The number of salespersons seems to affect revenue. This is known because the correlation
coefficient (R) is approximately 0.91 (the closer to 1 or –1 the better).

4.4 Conversions
There is built-in support for seven kinds of conversions: area, currency, length, mass, volume, and
temperature. Area, length, mass, volume and temperature are unit conversions.
Unit
Unit conversions include area, length, mass, volume and
temperature computations. Each screen appears the same
with only a variation in the units to convert. The area
conversion template is shown as an example.
· Type #1: the unit type to convert from.
· Amount #1: the amount of the first type.
· Type #2: the unit type to convert to.
· Amount #2: the amount of the second type, calculated.
Currency
Currency conversion is similar to unit and temperature
conversions except there is an extra field: rate. Rate is the
conversion rate. In general, Amount #1 x Rate = Amount #2.
In this case, the types are not used in the computation itself.
Instead, they are used as reminders of which two currencies
have been converted.
Each time a currency conversion is calculated, the
conversion's rate is stored automatically and recalled when
those two currencies are set for Type #1 and Type #2. To
clear that stored value, recall the two currencies and select
Clear.
Examples
Length
Go to the Convert – Length template to compute this problem. The instructions say to measure off 25 meters
but you don't have a metric measure. How many feet is this?
Type #1 Meters Choose from pop-up list
Amount #1 25
Type #2 Feet
The length in feet is computed automatically - there are 82.02 feet in 25 meters.

Currency
Go to the Convert – Currency template to compute this problem. The exchange rate from US dollars to
Japanese yen is 114.25. If you are exchanging $850, how many yen do you have?
Type #1 US Dollars Not used in computation
Amount #1 850
Type #2 Yen Not used in computation
Rate 114.25
Compute the amount of yen by selecting "?" on the Amount #2 line. You would receive 97,122.50 yen.

4.5 Calendar
Calendar computations include both date and time computations.
Date Calculations
Dates can be computed using an actual calendar year, the
30/360, actual/360 or actual/365 day-count method.
· Method: the day-count method - see Template Settings.
· Date 1: the date to compute from.
· Date 2: the date to compute to.
· Difference: the difference in number of days.
Time Calculations
Times are displayed in either standard (am/pm) or 24-hour format, depending on the localized time format set
in the device's system settings (see your device manual for details).
The top section of the template performs time difference calculations:
· Time 1: the beginning time set in increments of 5 minutes.
· Time 2: the ending time set in increments of 5 minutes.
· Diff H.MM/Diff Hrs: the difference between the two times.
"Diff H.MM" displays in hour-minute format (5 hrs, 45mins
would display as 5.45). "Diff Hrs" displays as fraction of an
hour.
The bottom section performs time addition calculations:
· Time: starting time.
· HH.MMSS/HrsFrac: time duration. "HH.MMSS" displays
time in hour, minute, second format (4hrs, 7mins, 30sec
would display as 4.0730). "Hrs.Frac" displays time as a
fraction of an hour.
· Sum: the end time.

Examples
Date
Go to the Calendar – Date template to compute this problem. Vacation begins on October 13, 2003. Today is
August 18, 2003. How many actual days until vacation?
Date 1 8/18/03 Enter August 18, 2003
Date 2 10/13/03 Enter October 13, 2003
Compute the difference in days by selecting "?" on the "Difference" line. There are 56 days until vacation.
Time Difference
Go to the Calendar – Time template to compute this problem. When billing time, the project began at 12:15pm
and concluded at 4:50pm. If you bill at $30 per hour, how should you bill?
Time 1 12:15pm
Time 2 4:50pm
Make sure Diff Hrs is showing instead of Diff H.MM. Compute the difference by selecting "?" on the same line.
This project took 4.5833 hours (4 hours, 35 minutes). To finish the calculation, select the Diff Hrs value and
multiply by 30. You should bill $137.50 for your work.
Time Sum
Go to the Calendar – Time template to compute this problem. If you start driving at 3:15 pm and the trip will
take 5hrs, 45mins, what time will you arrive?
Time 3:15 pm
H.MMSS 5.45
Compute the sum by selecting "?" on the same line. You will arrive at 9:00pm.

5 Appendix
The appendix contains additional information pertinent to the use of the product, including references for
functions that can be used in user-defined templates:
· Financial Functions
· Date & Time Functions
· Calculus Functions
· Logic Functions
· Math Functions
· Probability & StatisticsFunctions
· Trigonometric Functions
The following may also be helpful:

· Error Cases
· Contacting Infinity Softworks

Appendix 73
5.1 Function Reference

This section lists all functions available within the solver. To read, the top line in bold lists both the function by
name and its symbol (if applicable). The second line lists the function and its variables, followed in the third line
by a detailed function description. Within the formula, items in brackets [ ] are optional entries.
Note that some functions take lists (e.g. cash flow functions, statistical functions).
Lists
A list is a series of data. Placing braces around a series of numbers separated by semi-colons creates a list.
e.g.:
{34; 23; 15; 8}
Functions
· Calculus
· Date
· Finance
· Logic
· Math
· Probability & Statistics
· Trigonometric

5.1.1 Financial Functions

Time Value of Money/Amortization abbreviations
· PV: Present Value
· FV: Future Value
· I%: Interest rate expressed as a percentage
· PMT: Payment
· N: Periods
· P/Y: Payment periods per year
· C/Y: Interest compounding periods per year
· B: Payment timing (0 for end of period, 1 for beginning of period)
Bond Abbreviations
· SD: Settlement date
· MD: Maturity date
· CR%: Coupon rate expressed as a percentage
· RV: Residual value
· Y: Yield expressed as a percentage
· P: Price
Cash Flow Abbreviations
· CFAmntList: A list containing a list of cash flow amounts where the first element is the initial cash flow.
· CFFreqList: A list in which each element specifies the frequency of occurrence for a consecutive cash flow
amount in CFList.
· I%: Periodic interest rate as a percentage.
Depreciation abbreviation
· C: Cost
· S: Salvage value
· L: Life
· M: First month (1 is January, 12 is December)
· Y: Year to calculate
· R: Depreciation Rate expressed as a percentage
Bond Accrued Interest

bonda(SD; MD; C/Y; CR% )
Returns the accumulated interest of a bond.
Bond Price
bondp(SD; MD; C/Y; CR; RV; Y)
Returns the price of a bond.
Bond Yield
bondy(SD; MD; C/Y; CR; RV; P)
Returns the yield of a bond expressed as a percentage

Appendix 75
Cash flow count

cfocount(CFAmntList [; CFFreqList])
Returns the total number of periods in the given cash flow.
Cash flow internal rate of return

cfoirr(CFAmntList [; CFFreqList])
Returns the internal rate of return for the given cash flow.
Cash flow net future value

cfonfv(I%; CFAmntList [; CFFreqList])
Returns the net future value of the given cash flow.
Cash flow modified internal rate of return

cfomirr(I%; CFAmntList [; CFFreqList])
Returns the modified internal rate of return of the given cash flow.
Cash flow net present value

cfonpv(I%; CFAmntList [; CFFreqList])
Returns the net present value of the given cash flow.
Cash flow net uniform series value

cfonus(I%; CFAmntList [; CFFreqList])
Returns the net uniform series value of the given cash flow.
Cash flow payback

cfopbk(CFAmntList [; CFFreqList])
Returns the number of the period when initial investment will be paid back.
Cash flow profitability index

cfoprof(I%; CFAmntList [; CFFreqList])
Returns the profitability index of the given cash flow.
Cash flow total

cfotot(CFAmntList [; CFFreqList])
Returns the sum of the cash flows.
Depreciation Crossover, Book Value

depdbslbv (C; S; L; M; Y; R)
Returns the book value (depreciable value + salvage value) for the asset at the end of the given
year.
Depreciation Crossover, Depreciated Amount

depdbslda (C; S; L; M; Y; R)
Returns the amount that the asset depreciated during the given year.

Depreciation Crossover, Depreciated Value

depdbsldv (C; S; L; M; Y; R)
Returns the remaining total depreciable value for the asset at the end of the given year.
Depreciation Declining Balance, Book Value

depdbbv (C; S; L; M; Y; R)
year.
Depreciation Declining Balance, Depreciated Amount

depdbda (C; S; L; M; Y; R)
Depreciation Declining Balance, Depreciated Value

depdbdv (C; S; L; M; Y; R)
Depreciation Straight-Line, Book Value

depslbv (C; S; L; M; Y)
year.
Depreciation Straight-Line, Depreciated Amount

depslda (C; S; L; M; Y)
Depreciation Straight-Line, Depreciated Value

depsldv (C; S; L; M; Y)
Depreciation Sum of Year's Digits, Book Value

depsoydbv (C; S; L; M; Y)
year.
Depreciation Sum of Year's Digits, Depreciated Amount

depsoydda (C; S; L; M; Y)
Depreciation Sum of Year's Digits, Depreciated Value

depsoyddv (C; S; L; M; Y)

Appendix 77
Effective Interest Rate (Eff)

inteff(nominalrate; compoundingperiods )
Returns the effective annual interest rate given a nominal annual rate of nominalrate and the
number of compounding periods per year of compoundingperiods.
nominalrate and compoundingperiods must be real numbers, where compoundingperiods ³ 0, (if
compoundingperiods = 0, returns the continuous compounding rate).
Nominal Interest Rate (Nom)

intnom(effectiverate; compoundingperiods)
Returns the nominal interest rate given an effective annual rate of effectiverate and the number of
compounding periods per year of compoundingperiods.
effectiverate and compoundingperiods must be real numbers, where compoundingperiods ³ 0, (if
compoundingperiods = 0, returns the continuous compounding rate).
Single Payment Future Value (SPFV)

spfv(percent; periods)
Returns the future value of a single $1.00 payment. periods is the number of payments, percent is
the interest rate per compounding period expressed as a percentage.
Equivalent to (1+percent/100) periods
Single Payment Present Value (SPPV)

sppv(percent; periods)
Returns the present value of a single $1.00 payment. periods is the number of payments, percent
is the interest rate per compounding period expressed as a percentage.
Equivalent to 1/(1+percent/100)periods
TVM Future Value (FV)

tvmfv(N; I%; PV; PMT [; P/Y; C/Y; B])
Returns the future value.
TVM Interest Rate (IY)

tvmi(N; PV; PMT; FV [; P/Y; C/Y; B])
Returns the annual interest rate as a percentage (10 instead of .10)
TVM Payment (PMT)

tvmpmt(N; I%; PV; FV [; P/Y; C/Y; B])
Returns the amount of each payment.
TVM Periods (N)

tvmn(I%; PV; PMT; FV [; P/Y; C/Y; B])
Returns the number of payment periods.
TVM Present Value (PV)

tvmpv(N; I%; PMT; FV [; P/Y; C/Y; B])
Returns the present value.

Uniform Series Future Value (USFV)

usfv(percent; periods)
Returns the future value of a series of $1.00 payments. periods is the number of payments,
percent is the interest rate per compounding period expressed as a percentage.
Equivalent to ((1+percent/100)periods-1)/(percent/100),
except for usfv(percent;0) = 0, usfv(0;periods) = periods.
Uniform Series Present Value (USPV)

uspv(percent; periods)
Returns the present value of a series of $1.00 payments. periods is the number of payments,
percent is the interest rate per compounding period expressed as a percentage.
Equivalent to ((1+percent/100)periods-1) /( (percent/100) (1+percent /100)periods ),
except for uspv(percent;0) = 0, usfv(0; periods) = periods.

Appendix 79
5.1.2 Calculus Functions

Derivative, Function (d/dx)
nderiv("expression"; "variable"; value [; e])
Returns an approximate numerical derivative of expression with respect to variable at value with
optional specified tolerance e. Default value of e = 10-5 . e.g. nderiv("x^2"; "x"; 3) calculates the
gradient of the curve x2 at the point where x = 3.
Integral, Function ( )
fnint ("expression" ; "variable"; lower; upper [; stepsize])
Uses numerical integration (Gauss-Kronrod) to return the integral of expression with respect to
variable between lower and upper limits. The default value for optional parameter stepsize is 1/20
of the range between lower and upper. Note that making stepsize small relative to the range
increases accuracy, but also the time taken to perform the integration. e.g. fnint("x^2"; "x"; –3; 3)
calculates the area bounded by the curve x2 and the x axis between the limits x = –3 and x = 3.
Maximum, Function (fMax)

fmax("expression" ; "variable"; lower; upper [; tolerance])
Uses an iterative approach to return the value of variable where the local maximum of expression
occurs, between lower and upper limits, with optional tolerance (default value 10-5). e.g. fmax("-
x^2"; "x"; –3; 3) searches for a maximum of the expression –x 2 between the limits x = –3 and x =
3.
Minimum, Function (fMin)

fmin("expression"; "variable"; lower; upper [; tolerance])
Uses an iterative approach to return the value of variable where the local minimum of expression
occurs, between lower and upper limits, with optional tolerance (default value 10-5). e.g.
fmin("x^2"; "x"; –3; 3) searches for a minimum of the expression x2 between the limits x = –3 and x
= 3.

5.1.3 Date & Time Functions

See Template Preferences for setting the date mode. Date type is used within the calculator to represent a
date. While it cannot be seen in a template, it can be used when calculating values that can be seen in a
template. When entering dates, there are two formats:
· Date dd.mmyyyy: 2 digit day, 2 digit month, 4 digit year
· Time hh.mmssmmm: 2 digits each for hour, minutes, and second, 3 digits for millisecond. Hour is
entered in 24-hour time (0-23 hours).
Adjust Date
adjdate(date; days [; months; years])
This function can only be used within a formula – the returned value cannot be viewed in a
template. Returns a date type containing date plus (or minus) days, months, years. date is a date
type or a double containing the date in dd.mmyyyy format.
Adjust Time
adjtime(date; hours [; minutes; seconds])
template. Returns a date type containing date plus (or minus) hours, minutes, seconds. date is a
date type, or a value in dd.mmyyyy format.
Date in Absolute Format (date)

makedate(dd.mmyyyy [; hh.mmssmmm])
template. Converts a date (and time) into a date type representing the inputted date. Provided for
compatibility with TI, HP.
Day of Week (weekday)

wkday(date)
Returns a number representing the day of the week (1 = Sunday, 7 = Saturday). Date must be a
date type or a value in dd.mmyyyy format.
Difference Between Dates (DDate)

ddays(date1; date2 )
date1, date2 must be a date type or a value in dd.mmyyyy format. Returns a number representing
the number of days between two dates.
Get Date in Decimal Format (GetDate)

getdate(date)
Returns the date in dd.mmyyyy format given date type date.
Get Hours in Decimal Format (HRS)

hrs(value)
Returns the time in decimal hours given a date type or time in hh.mmssmmm format (3.5 decimal
hours is 3 hrs, 30 min).

Appendix 81
Get Hours in HH.MMSS Format (HMS)

hms(value)
Returns the time in hh.mmssmmm format given a date type or the time in decimal hours (3.5
decimal hours is 3 hrs, 30 min).
Get Time in Decimal Format (GetTime)

gettime(date)
template. Returns the time in the format hh.mmssmmm given date type date.
Today (date)
today()
template. Returns a date type representing current date and time.

5.1.4 Logic Functions

And
valueA && valueB
Returns true if both valueA and valueB ¹ false.
Choose
choose(index; expression1; ...expressionN)
Uses index to pick one of the expressions following index then returns the value of the picked
expression. index can be a number or an expression that evaluates to a number, where 1 £ index
£ number of expressions supplied. e.g. choose(2;6;9;3;4;5) returns 9.
Equals (=)
valueA == valueB
Returns true if valueA has equal value to valueB. Note that this operator is entered using two
consecutive "=" characters, not a single "=" character. The single "=" is only used when entering
template equations.
Exclusive Or (xor)
valueA ## valueB
Returns true if either but not both of valueA and valueB ¹ false.
Greater Than (>)

valueA > valueB
Returns true if valueA > valueB.
Greater Than or Equal To (³)

valueA >= valueB
Returns true if valueA ³ valueB.
If (boolean?doiftrue:doiffalse)
if(boolean; expressionA; expressionB)
If boolean is true, evaluate expressionA, otherwise evaluate expressionB. e.g. if(A<0;sqrt(-
A);sqrt(A)) returns the square root of the absolute value of A.
Less Than (<)

valueA < valueB
Returns true if valueA < valueB.
Less Than or Equal To (£)

valueA <= valueB
Returns true if valueA £ valueB.

Appendix 83
Not
! valueA
Returns false if value ¹ false.
Not Equal (¹)

valueA <> valueB -or- valueA != valueB
Returns true if valueA ¹ valueB.
Or
valueA || valueB
Returns true if valueA or valueB ¹ false.
Solving
solving()
Returns a string containing the name of the variable currently being solved for. e.g. : if
(solving()=="valueA";valueB+valueC;5+valueA-valueA) will return valueB+valueC when
calculating valueA, and 5 when calculating valueB or valueC Note: the 'Auto-compute' template
setting should be turned off if the template uses this function.

5.1.5 Math Functions

Absolute Value (abs)
abs(valueA)
Returns absolute value of valueA.
Addition (+)
valueA + valueB
Returns valueA plus valueB.
Ceiling (ceil)
ceil(value)
Returns the smallest integer ³ value. i.e. ceil(4.5) Þ 5, ceil( – 4.5) Þ – 4
Cube Root (3Ö)

cbrt(value)
Returns the cube root of value.
Division (÷)
valueA / valueB
Returns valueA divided by valueB.
Exponent (E)
value E exponent
Used to make value times 10 raised to exponent where exponent is an integer (whole number).
value*10exponent must lie between 1E-308 and 1E308 inclusive.
Exponential (e value)
exp(value)
Returns e raised to the value power.
Floor (floor)
floor(value)
Returns the largest integer £ value. i.e. floor(4.5) Þ 4, floor( –4.5) Þ –5
Fractional Part (fpart)

fpart(value)
Returns fractional part of value. i.e. fpart(4.5) Þ 0.5, fpart(– 4.5) Þ – 0.5, fpart(1) Þ 0.0
Greatest Common Denominator (gcd)

gcd(valueA; valueB)
Returns the greatest common divisor of valueA and valueB, where –231<= valueA,valueB < 231

Appendix 85
Integer Part (ipart)

ipart(value)
Returns integer (whole number) part of value. i.e. iPart(4.5) Þ 4, iPart(– 4.5) Þ – 4
Inverse (x -1 )
value ^ –1
Returns value raised to –1.
Least Common Multiple (lcm)

lcm(valueA; valueB)
Returns the least common multiple of valueA and valueB, where –231<= valueA,valueB < 231
Logarithm (log)
log(value)
Returns the base 10 logarithm of value.
Maximum (max)
max(valueA [; valueB; ...])
Returns the larger of valueA and valueB.
max(valuelist)
Returns the largest value in the list valuelist.
Minimum (min)
min(valueA [; valueB; ...])
Returns the smaller of valueA and valueB.
min(valuelist)
Returns the smallest value in the list valuelist.
Modulo Division (mod)

mod(valueA;valueB)
Returns remainder of valueA divided by valueB.
Multiplication (x)
valueA * valueB
Returns valueA times valueB.
Natural Logarithm (ln)

ln(value)
Returns the natural logarithm of value.
Percent (%)
valueA % valueA + valueB % valueA – valueB % valueA * valueB % valueA / valueB
% Returns valueA / 100 Returns valueA + valueA * valueB / 100 Returns valueA – valueA *
valueB / 100 Returns valueA * valueB / 100 Returns valueA / valueB / 100

Power (y x )
valueA ^ valueB
Returns valueA raised to valueB.
Reciprocal (1/x)
1 / value
Returns 1 divided by value.
Root (xÖ)
root(y; x)
Returns xth root of y.
Round To Nearest (round)

round(valueA[; #decimals])
Returns valueA rounded to #decimals, where #decimals may be a whole number that fulfills 0 <=
#decimals <= 10. e.g. round(4.05;1) Þ 4.1, roundl(4.049;1) Þ 4.0
Sigma (S)
sigma("expression" ; "variable"; begin; end [; increment]))
Returns sum of values created by evaluating expression with regard to variable from begin to end
by increment. Default value for increment is 1. expression and variable are both strings while
begin, end and increment are numbers. Note that the sign of the increment value must
correspond to the range represented by begin, end; ie if begin > end, increment must be negative.
If there are not an exact number of increments in the range then the last value calculated will be
just before the end value; eg. sigma("a^2"; "a"; 1; 11; 3) yields the same result as sigma("a^2";
"a"; 1; 10; 3) (= 1^2 + 4^2 + 7^2 + 10^2 or 166).
Sign
sign(value)
Returns –1 if value is less than 0, 0 if value is 0, or 1 otherwise.
Square Root (Ö)

sqrt(value)
Returns the square root of value.
Subtraction (–)
valueA – valueB
Returns valueA minus valueB.

Appendix 87
5.1.6 Probability & Statistics Functions

Probability & statistics abbreviations
· datalist: a list containing values for which you wish to calculate the mean, etc.
· occlist: a list of the same size as datalist containing the number of occurrencies of each
corresponding value in datalist. Note that if occlist is not provided for functions that take occlist as
an optional argument, the function treats each entry in datalist as a single occurrence.
Combinations (nCr)
ncr(n; r)
Returns the number of combinations of n taken r at a time. n, r must be integer values where 0 £
n, r £ 170. Returned values correspond to n!/(r!(n-r)!)
Factorial (!)
fact(value)
Returns factorial of value, where –169 < value £ 170, and value cannot be a negative integer
value, but it can be a negative non-integer or any positive value.
Maximum value of x
maxx(datalist)
Returns the maximum of the values in the list of values datalist.
Mean (m)
meanx(datalist [; occlist)
Returns the mean of the values in the list of values datalist. occlist is an optional argument that
can contain a list of occurencies corresponding to the values in datalist.
Median
median(datalist [;occlist])
Returns the median of list datalist with optional frequency list occlist.
Minimum value of x
minx(datalist)
Returns the minimum of the values in the list of values datalist.
Normal Standard Distribution, Cumulative

normsdist(upperlimit)
Returns area under the standard normal distribution curve (m =
0, s = 1) bounded by an upper limit of upperlimit.
Occurrences (n)
countx(datalist [; freqlist])
Returns the total number of data points contained in list datalist with optional frequency list occlist.

Permutations (nPr)
npr(n; r)
Returns the number of permutations of n taken r at a time. n, r must be integer values where 0 £
n, r £ 170. Returned values correspond to n!/(n-r)!
Random Integer (randInt)

randint(lower; upper)
Returns a random integer (whole number) within a range specified by lower and upper integer
bound.
Random Number (rand)

rand()
Returns a random real number between 0 and 1.
Sum of x (Sx)
sumx(datalist [;occlist)
Returns the sum of the values in the list of values datalist. occlist is an optional argument that can
contain a list of occurrences corresponding to the values in datalist.
Sum of x 2 (Sx 2)
sumx2(datalist [;occlist)
Returns the sum of the squares of the values in the list of values datalist. occlist is an optional
argument that can contain a list of occurrences corresponding to the values in datalist.
Standard Deviation, Population (s n)

stddevp(datalist [;occlist])
Returns the population standard deviation of list datalist. occlist is an optional argument that can
Standard Deviation, Sample (sn-1)

stddev(datalist [;occlist])
Returns the sample standard deviation of list datalist. occlist is an optional argument that can
Variance, Population (sn2 )

varp(datalist [;occlist])
Returns the population variance of list datalist. occlist is an optional argument that can contain a
list of occurrences corresponding to the values in datalist.
Variance, Sample (sn-12 )

var(datalist [;occlist])
Returns the sample variance of list datalist. occlist is an optional argument that can contain a list
of occurrences corresponding to the values in datalist.

Appendix 89
5.1.7 Trigonometric Functions

Arc-cosine (cos -1)
acos(value)
Returns arc-cosine of value.
Arc-sine (sin -1)

asin(value)
Returns arc-sine of value.
Arc-tangent (tan-1)
atan(value)
Returns arc-tangent of value.
Cosine
cos(value)
Returns cosine of value.
Degrees to DMS Conversion

dms(value)
Returns equivalent in dd.mmss (degrees, minutes, seconds) of value degrees.
Degrees to Radians Conversion

radians(value)
Returns equivalent in radians of value degrees.
DMS to Degrees Conversion

degs(value)
Returns equivalent in degrees of value dd.mmss (ie degrees, minutes, seconds format).
Hyperbolic Arc-cosine (cosh-1)

acosh(value)
Returns hyperbolic arc-cosine of value.
Hyperbolic Arc-sine (sinh-1)

asinh(value)
Returns hyperbolic arc-sine of value.
Hyperbolic Arc-tangent (tanh-1)

atanh(value)
Returns hyperbolic arc-tangent of value.

Hyperbolic Cosine (cosh)

cosh(value)
Returns hyperbolic cosine of value.
Hyperbolic Sine (sinh)

sinh(value)
Returns hyperbolic sine of value.
Hyperbolic Tangent (tanh)

tanh(value)
Returns hyperbolic tangent of value.
Polar to Rectangular Conversion (y)

imag(r; q)
Returns y coordinate given polar coordinates r and q.
Polar to Rectangular Conversion (x)

real(r; q)
Returns the x coordinate given polar coordinates r and q.
Radians to Degrees Conversion

degrees(value)
Returns degrees equivalent of value radians.
Rectangular to Polar Conversion (r)

abs(x; y)
Returns polar coordinate r given rectangular coordinates x and y.
Rectangular to Polar Conversion (q)

angle(x; y)
Returns polar coordinate q given rectangular coordinates x and y.
Sine
sin(value)
Returns sine of value.
Tangent
tan(value)
Returns tangent of value.

Appendix 91
5.2 Error Cases

Error messages appear when calculations cannot be successfully completed. This section documents the
cases where error messages occur:
Mathematical Errors
· Overflow or underflow occurs in the calculation.
· Divide by 0.
· Reciprocal when x = 0.
· Square root when x < 0.
· Factorial when x < -169, x > 169.
· Natural log when x <= 0.
· Permutations when n < 0, r < 0, or r or n is not an integer.
· Combinations when n < 0, r < 0, or r or n is not an integer.
· Used too many levels of parentheses.
· Entered a number outside the range of 1e-308 to 1e308 and
· -1e–308 to –1e308.
Templates
· General math errors.
Statistics
· The total number of occurrences for all data points is 1 or 0.
· All x- or y-values are the same.
· R errors if Standard or Sample Deviation is an error.
Cash Flows
· NPV: interest per year <= –100
· NUS: interest per year <= –100
· NFV: interest per year <= –100
· MIRR: interest per year <= –100, no subsequent cash flows, all positive or negative cash flows.
· Payback: initial investment = 0.
· Profitability Index: interest per year <= –100, all positive or negative cash flows.
· IRR: all positive or negative cash flows, iterative computation with answer outside calculation bounds.
Calendar – Date
· Trying to calculating a date that is outside the supported range of January 1, 1900 to December 31st , 3000.
Markup: %Cost or Markup

· Calculating Markup when Cost = 0 and method is set to "% of Cost".
· Calculating Markup when Price = 0 and method is set to "% of Price".
· Calculating Cost when Markup = –100 and method is set to "% of Cost".
Discount
· Calculating Discount when Price = 0.
· Calculating Price when Discount = 100.

Breakeven
· Calculating quantity when price = variable cost.
· Calculating price when quantity = 0.
· Calculating variable costs when quantity = 0.
· Tax Rate cannot equal 100
Black-Scholes
· Strike price cannot be 0.
· Expiration Date must be greater than or equal to the Price Date.
Percent Total
· Calculating percent total when total = 0.
· Calculating total when percent total = 0.
Markup: Price, Margin, Profit Margin

· Calculating markup when price = 0.
· Calculating price when markup = 100.
Time Value of Money
· Interest per year is outside the allowed range.
Bond
· yield is outside the allowed range.
· Settlement date is after the redemption date.
Sales Tax
· Calculating tax rate when before tax = 0.

Appendix 93
5.3 Contact Infinity Softworks

Web: www.infinitysw.com
Email: support@infinitysw.com
Mail: 1315 NW 185th Avenue #180

Beaverton OR 97006 USA
Check Infinity Softworks web site for telephone support numbers and times.

5.4 Legal and Disclaimers

Infinity Softworks, Inc., makes no warranty, either expressed or implied, including but not limited to any implied
warranties of merchantability and fitness for a particular purpose, regarding any programs or book materials
and makes such materials available solely on an "as-is" basis.
In no event shall Infinity Softworks, Inc., be liable to anyone for special, collateral, incidental, or consequential
damages in connection with or arising out of the purchase or use of these materials, and the sole and
exclusive liability of Infinity Softworks, Inc., regardless of the form of action, shall not exceed the purchase
price of this application. Moreover, Infinity Softworks, Inc., shall not be liable for any claim of any kind
whatsoever against the use of these materials by any other party.
powerOne ™ Finance is copyright 1997-2003. powerOne™ is trademark Infinity Softworks, Inc. All rights
reserved. All other trademarks and registered trademarks are property of their respective owners.
The powerOne ™ Finance calculator does not support system find functionality.
Release Date: 3/4/2003

Index 95
6 Index
The index is your guide to key words throughout the manual. It starts on the next page

- –- -A-
– 84 A 64
abs 84, 89
-!- Absolute Value 84
!= 82 Acc Interest 52
Accessing Custom Templates 31
- #- acos 89
## 82 acosh 89
#People 63 ACRS 56
ACRS Depreciation 56
- %- ActiveSync 8
actual/360 70
% 84
actual/365 70
-&- Addition 84
adjdate 80
&& 82
adjtime 80
-*- Adjust Date 80
Adjust Time 80
* 84
After Tax 62
-^- Amort 37
Amortization 38, 74
^ 84 And 82
- |- angle 89
APR of a Loan with Fees 40
|| 82 Arc-cosine 89
Arc-sine 89
-+-
Arc-tangent 89
+ 84 Area 68
asin 89
-<-
asinh 89
< 82 atan 89
<= 82 atanh 89
<> 82 Auto-Compute 25
-=- -B-
= 82 B 64, 74
== 82 Balance 38
Beam 31
->- Before Tax 62
> 82 Beginning Balance 38
>= 82 Bill 63
Bi-Weekly Mortgage Payments 40
- 3- Black-Scholes 57
30/360 70 Bond 74
Accrued Interest 74

Index 97
Bond 74 Choose 82
Price 74 Cmpnds/Yr 37, 51
Yield 74 Combinations 87
bonda 74 Constant Acceleration 31
bondp 74 Constants 30
Bonds 52 Conversions 68
bondy 74 cos 89
Book Val 54 cosh 89
Breakeven 59 Cosine 89
Cost 54, 56, 60, 62
-C- countx 87
C 74 Cpn Rate% 52
C/Y 74 CR% 74
Calendar 25, 70 Creating Templates 29
Call Price 57 Cube Root 84
Canadian Mortgage 40 Currency 68
Car Loan 40
-D-
Cash Flow 45, 74
count 74 Data Set 45, 64
internal rate of return 74 Data Set Editor Screen 24
modified internal rate of 74 Data Set View 64
retur date 70, 80
net future value 74 Date Basis 52
net present value 74 Date Calculations 70
net uniform series value 74 Date in Absolute Format 80
payback 74 Date Selector 24
profitability index 74 Day of Week 80
total 74 DB 54
Cash Flow Estimates 45 DB x SL 54
Cash flow with one sign change 49 dd.mmyyyy 80
Category 25 ddays 80
cbrt 84 Dec Setting 25
ceil 84 Default Calculator 2
Ceiling 84 degrees 89
CFAmntList 74 Degrees to DMS Conversion 89
CFFreqList 74 Degrees to Radians 89
cfocount 74 Conversion
cfoirr 74 degs 89
cfomirr 74 Delete 31
cfonfv 74 Dep Amount 54, 56
cfonpv 74 Dep Rate% 54, 56
cfonus 74 Dep Val 54
cfopbk 74 depdbbv 74
cfoprof 74 depdbda 74
cfotot 74 depdbdv 74
Change% 61 depdbslbv 74

depdbslda 74 Expire Date 57

depdbsldv 74 Exponent 84
Depreciation 54, 56, 74 Exponential 64, 84
Book Value 74 Export 31
Depreciated Amount 74 Exporting 26
Depreciated Value 74 Results 26
Depreciation Declining Balance 74 Templates 26
Book Value 74
Depreciated Amount 74
-F-
Depreciated Value 74 fact 87
Depreciation Straight-Line 74 Factorial 87
Book Value 74 Financial Functions 74
Depreciated Amount 74 Fixed Cost 59
Depreciated Value 74 Floor 84
Depreciation Sum of Year's 74 fMax 79
Digits fMin 79
Book Value 74 fnint 79
Depreciated Amount 74 fpart 84
Depreciated Value 74 Fractional Part 84
depslbv 74 Functions 30
depslda 74 Future Val 37, 58
depsoydbv 74 FV 74
depsoydda 74
depsoyddv 74 - G-
Derivative 79
gcd 84
Diff H.MM 70
Get Date in Decimal Format 80
Diff Hrs 70
Get Hours in Decimal Format 80
Difference Between Dates 80
Get Hours in HH.MMSS Format 80
Discount 60
Get Time in Decimal Format 80
Discount% 60
getdate 80
Disp. Mode 25
gettime 80
Division 84
Getting Started 1
dms 89
Global 25
DMS to Degrees Conversion 89
Graffiti 2
-E- Greater Than 82
Greater Than or Equal To 82
E 84 Greatest Common 84
Edit 31 Denominator
Eff 74
Effective Interest Rate 74 -H-
Effective% 51 Help 4, 6
Ending Balance 38 HH.MMSS 70
Entering Data 24 hh.mmssmmm 80
Equals 82 hms 80
Exclusive Or 82 Home Loan 31
exp 84 Home Mortgage 40

Index 99
HotSync 8 Less Than 82

How the Solver Works 33 Less Than or Equal To 82
hrs 80 Life 54
HrsFrac 70 Linear 64
Hyperbolic Arc-cosine 89 ln 84
Hyperbolic Arc-sine 89 log 84
Hyperbolic Arc-tangent 89 Logarithm 84
Hyperbolic Cosine 89 Logarithmic 64
Hyperbolic Sine 89 Logic 82
Hyperbolic Tangent 89 Long Calculations 1
- I- -M-
I% 74 M 74
If 82 makedate 80
If Statements 31 Margin% 62
imag 89 Markup 60
Importing 26 Markup% 60
Templates 26 Mass 68
inflows 45 Mat Date 52
Initial Investment 45 Math 84
Input Mode 1 max 84
inteff 74 Max X 64
Integer Part 84 Max Y 64
Integral 79 Maximum 79, 84
Interest Conversion 51 Maximum value of x 87
intnom 74 maxx 87
Intrst/Yr% 37, 45, 58 MD 74
Inverse 84 Mean 87
Investment with regular 49 Mean X 64
deposits Mean Y 64
ipart 84 meanx 87
IRR 45 Median 87
IY 74 Menu Bar 4, 6
Method 51, 60, 64, 70
- J-
min 84
Justified 25 Min X 64
Min Y 64
-K-
Minimum 79, 84
Keyboard Navigation 4, 6 Minimum value of x 87
minx 87
-L- MIRR 45
L 74 mod 84
lcm 84 Modifying 45
Leases 49 Modulo Division 84
Least Common Multiple 84 Month 1 54
Length 68

Mortgage With Balloon 40 Percent Total 61

Payment Period View 38
Multiple Answers 31 Periods 37, 58, 61
Multiplication 84 Periods/Yr 37, 45, 58
My Templates 31 Permutations 87
Pft Index 45
-N-
PMT 74
N 74 Pmt Basis 52
Natural Logarithm 84 Pmt Timing 37
ncr 87 Pocket PC 1, 4, 8
nderiv 79 Polar to Rectangular 89
New 61 Conversion
NFV 45 Power 64, 84
Nom 74 powerOne Button 2
Nominal Interest Rate 74 Precision 25
Nominal% 51 Present Val 37, 58
Normal Standard Distribution 87 Present Value of Lease with 40
normsdist 87 Advance Payments and an
Option to Buy
Not 82
Price 52, 59, 60, 62
Not Equal 82
Price Date 57
npr 87
Probability 87
NPV 45
Profit 59
Number 64
Profit Margin 62
Number Input Screen 24
Put Price 57
Number Ranges 1
PV 74
NUS 45
PY 37, 58
- O- - Q-
Occ 64
Quantity 59
Occurrences 64, 87
Old 61 -R-
One-Variable Statistics 64
R 64, 74
Open 31
radians 89
Operators 30
Radians to Degrees 89
Or 82 Conversion
outflows 45 rand 87
-P- randint 87
Random Integer 87
P 74 Random Number 87
P/Y 74 Range 25
Palm OS 1, 2, 8 Range X 64
Part 61 Range Y 64
Payback 45 Rdmptn Val 52
Payment 37 real 89
Percent 84 Receiving 28
Percent Change 61

Index 101
Reciprocal 84 stddev 87
Rectangular to Polar 89 stddevp 87
Conversion Stock Price 57
Regression Models 64 Strike Price 57
Retirement Annuity 40 Subsequent Cash Flows 45
Risk Free% 57 Subtraction 84
Root 84 Sum of x 87
round 84 Sum of x2 87
Round To Nearest 84 Sum X 64
RV 74 Sum X2 64
Sum XY 64
-S-
Sum Y 64
S 74 Sum Y2 64
Sales Price 60 sumx 87
Sales Tax 62 sumx2 87
Salvage 54 Supporting Materials 45
Savings Account 40 SX 64
SD 74 SY 64
Sending 28 Syncronization 8
Sett Date 52
Settings 25 -T-
Template 25 Table View 38
Variable 25 tan 89
Sigma 84 Tangent 89
Sigma X 64 tanh 89
Sigma Y 64 Tax Rate% 59, 62
Sign 84 Temperature 68
Simple Interest 58 Templates 23, 29
sin 89 Accessing 23
Sine 89 Beaming 28
Single Payment Future Value 74 Exporting 26
Single Payment Present Value 74 Importing 26
sinh 89 Settings 25
Skins 2 Using 23
SL 54 time 70, 80
Solver Examples 31 Time 1 70
Solving 82 Time 2 70
SOYD 54 Time Calculations 70
SPFV 74 Time Difference 70
SPPV 74 Time Selector 24
sqrt 84 Time Sum 70
Square Root 84 Time Value of Money 37, 74
Standard Deviation 87 Tip 63
Population 87 Tip$ 63
Sample 87 Tip% 63
Statistics 64, 87 Today 80

Total 45, 61, 63 X' 64

Total% 61 xor 82
Trig Mode 25
Trigonometric 89
-Y-
Ttl/Person 63 y 64, 74
TVM 37 Y' 64
Future Value 74 Year 54
Interest Rate 74 Yield% 52
Payment 74
Periods 74
Present Value 74
tvmfv 74
tvmi 74
tvmn 74
tvmpmt 74
tvmpv 74
Two-Variable Statistics 64
-U-
Understanding Cash Flows 49
Uniform Series Future Value 74
Uniform Series Present Value 74
Unit 68
USFV 74
USPV 74
-V-
var 87
Var Cost 59
Variable 25
Variables 30
Variance 87
Population 87
Sample 87
varp 87
Visible 25
Volatility% 57
Volume 68
-W-
Windows 1, 6
wkday 80
-X-
x 64

Powerone Finance Calculator Manual Optimized

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Contents I

Part II Using the Calculator 9

Part III Using the Templates 23

Part IV Included Templates 35

© 1997-2003, Infinity Softworks

© 1997-2003, Infinity Softwork s

© 1997-2003, Infinity Softworks

In addition, this manual will refer to scroll arrows, scroll

Setting the Default Calculator

© 1997-2003, Infinity Softworks

© 1997-2003, Infinity Softworks

© 1997-2003, Infinity Softworks

Input Calculator Screen

© 1997-2003, Infinity Softworks

© 1997-2003, Infinity Softworks

Input Calculator Screen

© 1997-2003, Infinity Softworks

1.4 Moving Data between the Handheld and Windows

For Palm OS devices, synchronization can be turned off,

Select "Custom…" from within the "HotSync" menu in your

© 1997-2003, Infinity Softworks

2 Using the Calculator

Template Bar & Template Quick Hit Button

© 1997-2003, Infinity Softworks

The Options menu:

© 1997-2003, Infinity Softworks

The Edit menu:

The Edit menu:

The Help menu:

© 1997-2003, Infinity Softworks

2.1 Performing Arithmetic

2.1.1 Input Mode

Order of Operations Input Mode

© 1997-2003, Infinity Softworks

Chain Input Mode

RPN Input Mode

© 1997-2003, Infinity Softworks

2.1.2 Entering Numbers

© 1997-2003, Infinity Softworks

The following are examples of one-variable math functions:

© 1997-2003, Infinity Softworks

Natural Log ln(4) 4 [f(x)] [math][ln] 1.39

© 1997-2003, Infinity Softworks

Percent ratio 9 is what 9 [¸ ] 25 [%x] [=] 36.00

Two-Variable Functions: RPN Input Mode

© 1997-2003, Infinity Softworks

2.1.6 RPN Stack & History List

© 1997-2003, Infinity Softworks

Other Input Modes

© 1997-2003, Infinity Softworks

2.2 Calculator Settings

To access the calculator settings, go to the main calculator

© 1997-2003, Infinity Softworks

2.3 Calculation Log

The calculation log displays computations as they are

© 1997-2003, Infinity Softworks

2.4 Structure of the Function List

Math Number Trigonometric(trig) Statistics(stats) Stack

Natural Log [ ln ] Exponential Stack [ stack ]