Calculated Industries 3400 User Manual
P
OCKETREALESTAT EMASTER
Model 3400
TABLE OF CONTENTS
Key Definitions ..................................................1
Mortgage/TVM Keys ........................................1
Amortization Keys............................................2
Date Key ..........................................................3
Payments Per Year..........................................3
Delta Percent ..................................................3
Percentage Calculations..................................4
Memory............................................................4
Decimal Place Selection..................................4
Clear All............................................................5
Loan Examples ..................................................5
Monthly Payment ............................................5
Term ................................................................5
Interest Rate ....................................................6
Loan Amount....................................................6
Interest-Only Payment (Calculation)................7
Interest-Only Payment (Entry) ........................7
Quarterly Payment ..........................................7
Amortization -
Total Interest and Principal Paid ................8
Total Interest and Principal -
for Range of Payments ................................8
Total Interest, Principal and Remaining
Balance - for Range of Years ......................9
Balloon Payment/Remaining Balance..............9
Trust Deed/Purchase Price of a Note -
Fully Amortized..........................................10
Future Value ..................................................10
Date Examples ..............................................11
Delta % - Rate of Appreciation ......................11
Accuracy and Auto Shut-Off ..........................12
Repair and Return ............................................13
Warranty............................................................14
o - On/Clear Key
Turns power on. Pressing once clears the
display. Pressing twice clears all temporary
values.
s o - Off
Turns power off, clearing all non-permanent registers.
+ – x ÷ =
Arithmetic operation keys.
%
Four-function percent key.
0 - 9 and •
Digits used for keying in numbers.
Mortgage/TVM (Time Value of Money) Keys
l - Loan Amount or Present Value
Enters or solves for the initial loan
amount or present value of a financial
problem.
p - Payment
Enters or solves for the periodic principal
and interest (P&I) payment.
s p - Interest-Only Payment
Enters or solves for the periodic interestonly payment. Aterm does not need to be
entered to solve interest-only payments.
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OCKETREFERENCEGUIDE
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KEY DEFINITIONS
T - Term of Loan
Enters or solves for the number of years.
A second press will display the number of
periods.
ˆ - Interest
Enters or solves the annual interest rate.
A second press will display the periodic
(monthly) interest rate.
s l - Future Value
Enters or solves for the future value of a
financial problem.
s + - Periodic
Used with other function keys to
designate a value as periodic rather than
annual (e.g., 3 6 0 s + T).
Note: Interest and Term are stored permanently, until
they are changed. This means, when you turn the calculator off, the values will stay in memory.
Amortization Keys
a - Amortization
Displays the range of payments, total interest, total principal, total payments and
remaining balance, for an entered number
of years or periods. For example, to amortize year 1 enter 1 a to display the total
P&I reduction for payments 1-12.
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OCKETREFERENCEGUIDE
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s a - Remaining Balance
Displays the remaining balance of the
loan, for an entered number of years or
periods (e.g., 1 s a displays the
remaining balance after payment 12).
Date Key
• - Date Entry Key
Used to separate the month, day, and year
when entering dates ( e.g., 5 • 2 • 0 7
to enter 05-02-07).This allows you to add or
subtract a number of days from a date to
find a second date, and subtract one date
from another date to find the number of
days in between.
Payments Per Year
The calculator is set to monthly loans, or 12
payments per year (Pmts/Yr). To change to
other than 12 payments per year, use the s
and ÷ keys (e.g., to set a loan to 6 payments
per year, press: 6 s ÷).
Note: Remember to change back to 12 by either
resetting
1 2 s ÷
or performing a Clear All/Reset
s x
.
Delta Percent
s % - Delta Percent Key ( )
Finds the percent change between two
values.
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OCKETREFERENCEGUIDE
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OCKETREFERENCEGUIDE
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Percentage Calculations
The percent % key can be used for finding a
given percent of a number or for working
add-on, discount or division % calculations.
For example:
8 0 0 x 2 5 % = 200.00
2 5 0 + 1 0 % = 275.00
2 5 – 5 % = 23.75
1 0 0 ÷ 5 0 % = 200.00
Memory
µ - Store value in semi-permanent memory
(e.g., 1 5 0 µ ).
s µ - Recall memory value
(e.g., if 1 5 0 has been stored in
Memory, pressing s µ will display
150.00).
s µ µ - Clears memory value.
Note: Semi-permanent means the value is not cleared
by pressing
o
twice. Value is also cleared when the
calculator is turned off.
Decimal Place Selection
Press s and the number of decimal
places desired, up to six (e.g., s 1,
s 2, etc.).
Pressing s 7 will set the calculator to
floating decimal point mode.
Note: When you turn the calculator off (
s o
),
the number of decimal places is restored to two
places.
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