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HP 1 2c F inanc ial C alc ulator Quic k Start Guide Ed it i o n 1 HP P ar t Number: F22 30 -9020 1[...]

Legal Notices This manual and any e xamples contained her ein are pr ov ided "as is" and are subjec t to change w ithout notice. He wlett-P ack ard C ompany mak es no warr anty of any kind with r egard to this manual , including, but not limited to , the implied warr anties of merc hantability , non-infringement and fitness f or a particu[...]

Cont en ts Table of Contents Welcome to your HP 12c Financ ial Calculator ........................... 1 The Keys............................... ............................. .................... 1 Customizing the Calculator .......................................... ............ 2 Storage Registers and Continuous Memory ............................[...]

Contents[...]

Getting St arted 1 1G e t t i n g S t a r t e d W elcome to your HP 1 2c Finan cial Calculator This booklet is intend ed to get you started qui ckl y with the basi c featur es of y our 1 2c F inanc ial C alcul ator . Use it f or qui ck r efer ence . For m or e detailed infor mation abou t the 1 2c F inanci al Calc ulator , ref er to the HP 1 2c F i[...]

2 Getti ng St arted • T o specify the primary func tion pr inted on the upperf ace of a ke y , pr ess the k e y alone. • T o specify the alternat e function pr inted in gold abov e a ke y , pr ess the gold pr efi x k ey ( T ) , then press the functio n key . • T o specify the alternat e function pr inted in blue on the low er face of a k ey ,[...]

Getting St arted 3 are inc luded for r efere nce. R efe r to these pages of the u ser’s guide f or mor e inf ormati on. Ta b l e 1 - 1 B a s i c F u n c t i o n s Functions Displa y/Description Tu r n c a l c u l a t o r on/off (page 1 6) . T u rns calculator on. Pressing S again turns the calculator o ff. T he calculator tur ns off automatically[...]

4 Getti ng St arted Digit separ ator (page 1 7) . 1 . The def ault separ ator is a comma (s ee abov e). 2 . T u rn the calculator off first by pr essing S . 3. Pr es s and hold . and then pres s and releas e S to c hange the digit separ ator fr om a comma to a poin t. 4. P erform the s ame steps again to c hange the point to a comma. Pa y m e n t m[...]

Getting St arted 5 Calendar for mat. Month- day- year (M.D Y) or day- month-y ear (D .MY) (pages 29-3 1 , 1 7 5, and 1 87) . Pre ss Uq or Up to set the date format . The def ault setting is M.D Y . The sc reen abo v e show s December 3, 20 1 0 in M.DY f ormat . 1. P r e s s Uq . 2 . K ey in one or two digits for the month. 3. Pr es s . . 4. K e y i[...]

6 Getti ng St arted Comp ou n d inter est (pages 39-5 3, 1 86) . Pr ess V L follo wed by dat es separ ated by R to spec ify the compound inte res t option f or odd- peri od calc ulations of inter est (i) , Pres ent V alue (PV ), P ayme nt (P MT) , and Futur e V alue (FV) . Note the “C” indicator a ppears. T he defa ult setting perfor ms calcula[...]

Getting St arted 7 Storage Registers and Continuous Memory Numbers (data) ar e stor ed in memori es called “ registers . ” Spec ial r egis- ters ar e used f or storing n umbers during calc ulations, the “ stack ” regis- ters , and the “Last X” r egister , whi ch is used f or stor ing the last number in the display be for e oper ations a[...]

8 Getti ng St arted The r esult , 3. 00, is calculated and displa yed immedia tely . Ther e are f our spec ial r egisters us ed for stor ing numbers dur ing calcula- tions, which ar e stacked on top of one anoth er . Call ed “the stack, ” t hese regis ters ar e designated X,Y , Z , and T . X is on the bot tom, and T is o n the top . Unless the [...]

Getting St arted 9 T able 1 - 2 RPN Example Ke ys Display/Description 3 R 4 ; Enters n umbers and oper ation fro m the fir st set of pare ntheses . The sum, 7 , is displa yed and s tored in the X-regis ter . 5 R 6 ; Enters the n umbers and oper ation f ro m the second set of p arentheses. The su m, 1 1 , is stored in the X- regis ter and displa yed[...]

10 G e t t i n g S t a r t e d Keys us e d to re a rra n g e t he s t ac k: •P r e s s i n g t h e P k ey e xc hanges the numbers in the X-and Y - register s (pages 7 4 and 1 7 2) . •P r e s s i n g t h e O k ey perf orms a r oll do wn of th e stack , where each number in the registers is copied into the r egister belo w , and the number fo rme[...]

Getting St arted 1 1 F Change sign Changes sign o f number or ex ponent displa yed in the X-regist er (page 1 7) . L Enter expone nt F or very large or v ery small numbers. Enter the mantissa . After pr essing, L , the ne xt numbers ke yed in are exponents of 1 0 (page 1 8 ) . Q Clea r Clears conte nts of display and X-r egister to z ero . (page 1 [...]

12 G e t t i n g S t a r t e d T PRE F I X Canc el Afte r T , U , V , W , or u , cancels that key (page 1 7) . V Store Pr ess V and key in the r egister number (0 -9 for re g i s t er s R 0 -R 9, or . 0-9 f o r r eg i s t e r s R . 0 -R . 9 ) to stor e displa yed number in a s pecif ied stor age register . Al so used to perform storage register ari[...]

Getting St arted 1 3 U f Calc ulates date and da ys fr om a starting date K e y in start date and pr ess R . K ey in the number of da ys fr om entered date (if d ate is in the past , pre ss F ). Pr e s s Uf . Displays date and the day of the w eek as a number 1 - 7 to the right o f the display : 1 is for Monda y; 7 is f or Sunday (pages 29-30) . U [...]

14 G e t t i n g S t a r t e d U ! Fa ct o r ia l Calculat es factor ial of number displa yed in the X- re g i s t er (page 83) . U k e x Natural antilogar ithm. R aise e to po wer of the number displa yed in the X-r egister (pag e 83) . U l LN Calculat es natural logar ithm (base e) of the number in the displ ayed X-register (page 83 ) . T RND Rou[...]

Getting St arted 1 5 T INT Simple inter est Calc ulates simple inter est (page 33) . A Compound ing peri ods Stor es or calculates number of compounding per iods in f inanc ial probl ems (page 35) . U a Multiplies a number in displa yed X -registe r by 1 2 and stor es the value in the i-r egister (page 39) . B In t ere s t ra t e p er compoun ding [...]

16 G e t t i n g S t a r t e d E Fu t u re va lu e Stores or ca lcul at es t he fut u re val ue (fi na l c as h fl ow) of a f inancial pr oblem (pag es 32, 3 6) . T AMORT Amorti z ation Amortiz es x number of pe riods using values stored in D , B , C , and the displa y . Updates C and A (page 54) . T NPV Net P resent Va l u e Calc ulates the net pr[...]

Getting St arted 1 7 T SL Depr ec iatio n Calc ulates deprec iation using str aight-line method (page 68 ) . T PRI C E Bond p ri ce Calc ulates bond pri ce, gi ven desired y ield to maturity (page 6 7) . T YTM Bond y ield Calc ulates y ield to maturity , giv en bond pr ice (page 6 7) . U e Cash fl ow Stor es the number of times (fr om 1 to 99) eac [...]

18 G e t t i n g S t a r t e d Basic Financial Cal culation Example T able 1 - 4 illustrates ho w easily y o u can perform f inanci al calculations using the HP 1 2c Financ ial Calc ulator . F or more e xamples and infor ma - tion on financ ial pr oblems, incl uding cash flow s and using cash flo w diagr ams, r efer t o section thr ee of the HP 1 2[...]

Getting St arted 1 9 6.9 Ub Enters the a nnua l int erest rate in terms of th e bas ic compounding per iod (6 .9% div ided b y 1 2 months per y ear). 360 A Enters the number of monthl y compounding peri ods (n) for a 3 0 -year loa n ( 1 2 payments per year x 30). 125 000 C Enters the pr esent v alue of the loan. 0E Enters the f uture v alue of the [...]

20 Getting S tarted W arranty and Contact Information Replacing the Batteries The calculator us es two , 3 V olt CR203 2 Lithium batteries . The low battery sy mbol ( * ) appears when battery power is nearl y ex hausted. U se only fr esh batteries when r eplacing the battery . Do not use rechar geable batteries . T o install a new battery: 1 . With[...]

Getting St arted 2 1 siv e descr iption of y our limited warr anty entitlements. In addition, y ou may also have other legal ri ghts under applicable local law or special w ritten agreement wit h H P . Limi te d H ard ware Warran ty Perio d Durati on: 1 2 months total (may vary b y region , please visit www .hp .c om/s upp ort for l ate st i nform [...]

22 G e t t i n g S t a r t e d plied by HP , (c) unauthori zed modificati on or misuse, (d) oper ation outside of the published envir onmental spec ificatio ns for the product , or (e) improper site pr epa - ration or maintenance . HP MAKE S NO OT HER EXPRE S S W ARRANTY OR CONDITION WHETHER WR IT - TEN OR ORAL. T O THE EXTENT ALL O WED B Y L OCAL [...]

Getting St arted 2 3 Customer Care In addition to the one year har dwar e war ranty your HP calc ulator also comes with one year of t echnical support. If y ou need assist ance, HP c ustomer car e can be reached b y either email or telephone. Befor e calling pl ease locate the call center nearest y ou fr om the list below . Have your pr oof of purc[...]

24 G e t t i n g S t a r t e d Cayman Is lan d 1 - 800 -7 1 1 -2 884 Chi le 800 - 360 -999 China 0 1 0 -58 30 1 3 2 7 Columbia 0 1 -8000 -5 1 - 4 7 46- 8368 ( 0 1 - 8 0 0 0 - 5 1 - HP INVENT) C o s t a R i c a 0-8 00- 0 1 1- 0 5 2 4 C r o a t i a w w w. h p . c o m / support C u r a c a o 0 0 1 - 8 0 0 - 872-28 8 1 + 800 -7 1 1 - 288 4 C ze ch R e [...]

Getting St arted 2 5 Ghana www .hp.com/ support Gr eece 2 1 0 96 9 64 2 1 Gr e na da 1 -8 00- 7 1 1 - 2 8 8 4 Gu ade lu pe 0- 8 00- 99 0-0 1 1; 800 -7 1 1- 2 8 8 4 Guatemala 1 -800- 99 9-5 1 05 Guyana 1 5 9 ; 800-7 1 1 - 288 4 Haiti 1 83 ; 8 00 - 7 1 1- 288 4 H on du r as 8 00- 0- 1 2 3 ; 8 00- 71 1- 2 8 8 4 Hong K ong 85 2 2 8 33- 1 111 H u n g a [...]

26 Ge t t i n g S t a r t e d Montenegro www .hp.com/ support M o n t s e r r a t 1- 8 0 0 - 71 1- 2 8 8 4 Morocco www .h p.com/ support Namibia www .hp.com/ support Netherland Antil les 0 0 1 - 8 0 0 - 872-2 8 8 1 ; 800 -7 1 1 - 2 884 Netherlands 020 6 54 5 30 1 New Z ealand 0800 -5 5 1 -664 Nicaragua 1 -800 - 0 1 64 ; 800 - 71 1- 2 8 8 4 N o r w [...]

Getting St arted 2 7 St Kit ts & Nevis 1 -800 -7 1 1 -2 884 St Lucia 1 - 800 - 4 7 8- 4602 St Mart een 1 -800- 7 1 1 - 28 84 Suriname 1 5 6 ; 800-7 1 1- 288 4 Swaz i l a n d w w w .h p.c o m / support S weden 08 5 1 99 2065 Swi t ze r l a n d 022 827 87 8 0 Swi t ze r l a n d 0 1 439 53 58 Swi t ze r l a n d 022 56 7 530 8 Ta iwa n + 8 52 28 05[...]

28 G e t t i n g S t a r t e d Product Regulator y & Environment Information Federal Communications Co mmission Notice This equipment has been tested and f ound to comply w ith the limits for a Clas s B digital de vi ce, pursu ant to P ar t 1 5 of the FCC R u les. T hese limits ar e designed to pro vide r easonable prot ection against harmful i[...]

Getting St arted 2 9 If you ha ve questi ons about the product that ar e not related t o this declarati on, write to : Hewl ett -P a ck ard Com pany P .O . Box 6 92000, Mail Stop 5 30 1 1 3 Houst on, TX 77 2 69- 2000 F or questi ons r egard ing this FCC dec lar ation , wr ite to Hewl ett -P a ck ard Com pany P .O . Box 6 92000, Mail Stop 5 1 0 1 0 [...]

30 Gettin g Star ted Hew lett -P ack ard GmbH, HQ- TRE , Herr enberger Sr asse 1 40, 7 1 034 Boeblingen , Germ any Japanese Notice Ko re a n N o t i c e This mar king is v alid for n on-T elecom products and E U harmoniz e d T elecom products (e .g. Bluetooth). This marking is v alid f or EU non- harmoniz ed Telecom pr oducts. *Notified body number[...]

Getting St arted 3 1 Disposal of W aste Equipment by Users in Pr ivate H ousehold in the European Union Chemical Substances HP is committed to pro viding our customers with information about the chemic al substances in our products as neede d to comply with legal requirements such as REACH ( Regulation EC No 1907/2006 of th e European Parliament an[...]

32 Ge t t i n g S t a r t e d[...]