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• This menu has many applications. The most common uses are covered here.
• 1:N - total number of payment periods
• 2:I% - Annual interest rate
• 3:PV - Present value
• 4:PMT - Payment amount
• 5:FV - Future value
• 6:P/Y - Number of payment periods per year
• 7:C/Y - Number of compounding periods per year
• 1:TVM Solver - displays the time-value-of-money
 Press and select 1. Displays the TVM Solver. You can store the values for the TVM variables here. Cash inflows are entered as positive values, cash outflows as negative values. To calculate the payment, scroll down to PMT and press . Borrowing \$25000 for 60 months at 5.25% will result in a payment of \$474.65.
• 2:tvm_Pmt - computes the amount of each payment. You can calculate this on the home screen.  Press ; 1; 2. The values are entered as: tvm_Pmt(N,I%,PV,FV,P/Y,C/Y). All values are not necessary. Those with a value of 0 can be omitted.

• 3:tvm_I% - computes the annual interest rate.  Press ; 1; 3. The values are entered as: tvm_I%(N,PV,PMT,FV,P/Y,C/Y). Notice that PMT is entered as a negative value. Paying \$450 per month for 60 months on a loan of \$2500, means that the interest rate is 3.07%.

• 4:tvm_PV - computes the present value.  Press ; 1; 4. The values are entered as: tvm_I%(N,I%,PMT,FV,P/Y,C/Y). Paying \$450/month for 60 months, will pay off a loan of \$23692.46 at an interest rate of 5.25%.
• 6:tvm_FV - computes the present value.
 Press ; 1; 4. The values are entered as: tvm_I%(N,I%,PV,PMT,P/Y,C/Y). Deposit \$1000for 60 months, at a rate of 5.25%, compounded monthly. The amount at the end of 60 months will be \$1299.43.