HP 12C Financial Programmable Calculator Guia do Utilizador descarregar pdf (Página 42)

42 Section 3: Basic Financial Functions

File name: hp 12c_user's guide_English_HDPMBF12E44 Page: 42 of 209

Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm

Example 2:

You’re opening a savings account today (the middle of the month)

with a $775 deposit. The account pays 6

% interest compounded semimonthly.

If you make semimonthly deposits of $50 beginning next month, how long will it

take for your account to reach $4000

Keystrokes Display

fCLEARG

6.25\24z¼

0.26

Calculates and stores i.

775Þ$

–775.00

Stores PV (with minus sign for cash

paid out).

50ÞP

–50.00

Stores PMT (with minus sign for cash

paid out).

4000M

4,000.00

Stores FV.

gÂ

4,000.00

Sets the payment mode to End.

58.00

Number of semimonthly deposits.

29.00

Number of months.

As in Example 1, it is likely that only 57 full deposits will be required, the next and

final deposit being less than $50. You can calculate this final, fractional, 58th

deposit as in Example 1, except that for this example you must subtract the original

FV. (In Example 1, the original FV was zero.) The procedure is as follows:

1 2 ... 37 38 39 40 41 42 43 44 45 46 47 ... 210 211

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HP 12C Financial Programmable Calculator Guia do Utilizador Página 42