COMPUTING FOR PV

PV Factor
(1+r)^-n
Present value of 1

Press "1.rate"

Press "divide" button twice

Press "equal" button equivalent to the number of periods

Future value of 1
(1+r)^n

Press "1.rate"

Press "multiply" button twice

Press "equal" button equivalent to (one minus the number of periods)

Example: 10 yrs, 101 = 9 times

PV Ordinary Annuity
1(1+r)^n/r

FV Ordinary Annuity
(1+r)^n-1/r

Present Annuity Due

1(1+r)^-n / r x (1+r)

Press "1.rate"

Press "divide" button twice

COMPUTING FOR PV 1
 Press "equal" button and "M" button equivalent to (one minus the number of
periods) Example: 10 years, so press it 101 = 9 times

Press "MR"

Add the constant number "1"

FV Annuity Due
(1+r)^n-1 / r x (1+r)

Press "1.rate"

Press "multiply" button twice

Press "equal" button equivalent to 9 times

Deduct the constant number "1"

Multiply it with the constant number "1" plus the rate 1.rate)

COMPUTING FOR PV 2