Sharp EL-738 Specifications download pdf (Page 23)

TVM (Time Value of Money) Solver

Analyze equal and regular cash ﬂ ows. These include calcula-

tions for mortgages, loans, leases, savings, annuities, and

contracts or investments with regular payments.

Note: Discounted cash ﬂ ow analysis can be done using un-

equal cash ﬂ ows (see page 37).

An amortization schedule can be calculated using the

information stored in the TVM solver (see page 33).

Variables used in the TVM solver

Variable

Corresponding

variable key

Description

Default

value

Total number of payments 1

I/Y

Interest rate per year 0

Present value 0

PMT

Payment 0

Future value 0

P/Y

Number of payments per year 1

C/Y

Number of compounding

periods per year

Setting the payment period (payment due)

You can toggle between ordinary annuity (payment at the end

of the period) and annuity due (payment at the beginning of the

period) using

. The default setting is ordinary annuity

(BGN is not displayed).

Refer to page 28 for details.

Basic operations

Refer to page 19 for basic variable operations.

1. Press

to clear the display.

• Make sure the calculator is in NORMAL mode.

• All the TVM solver variables retain their previously entered

values. If you wish to clear all the data, press

2. Select ordinary annuity or annuity due using

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Sharp EL-738 Specifications Page 23

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