Page 1
Financial Planner
Model DH-170FS
Operation Manual
Your Financial Planner from
Datexx® is designed to be reliable
and easy to use.
This manual will provide clear
instructions for all product
functions.
An Affordable, 12-Digit Multi-function
Calculator with Built-in Software
Components.
Features
Calculate the Time and Value of Money
(Savings, Automobile and Mortgage Loans).
Interest Calculations
Business Profit analysis (cost, sell & margin)
Currency conversions
Tax Calculations
Savings Calculations
Built-in 3-key Memory Functions
Auto Power-Off -- Turns Unit off After
5 Minutes Idle
Slip Cover -- Slips the Unit Out of the “Base”,
Reverse it, and Slide it Back in the Base to Store.
Integrated Flip-Down Stand, for Easy Viewing
Adjustment
Getting Started
Note: Your Datexx Calculator is powered
with a long-life, Lithium battery to assure
uninterrupted service.
(See “Battery Replacement” below for
change-out procedure.)
Power On and Off
[ON/AC] Pressing this key and holding it
a second turns the calculator on. This key
is also used to clear all calculations, which
is accomplished with a tap.
[OFF] Turns the calculator off. The unit also
has an auto power-off feature which turns
the unit off after 5 minutes of non-use.
[CE] Tapping this key clears only the last
entry without clearing the problem.
Battery Replacement
1. Slide the unit out of its case and turn
the unit over,face down.
2. Use a small head
screwdriver to loosen
two screws on battery
compartment cover
and remove the cover (see diagram).
3. Use a small head
screwdriver to push up
old battery.
(see diagram)
4. Replace the lithium
battery (CR-2025),
making sure the positive
(+) side is up.
5. Replace the cover
and screws.
Note: The Lithium battery in this calculator
should be replaced approximately every 2 years.
Calculating the Time Value
of Money
Savings calculations
No. of
Number of years
Years
Annual Yield
Annual yield
%
Month
Number of
/Year
compound
periods a year
How much money will I have if I save $150
a month at 4% for the next 10 years?
Save $150
a month
For 10 years
At 4%
interest rate
Making 12
payments
a year
Press--
[Compute] [Future$]
Loan calculations
No of
Number of years
Years
Interest Rate
Interest rate
%
Month
Number of
/Year
compound
periods a year
Calculating an automobile loan
You have your eye on a new car.
The cost of the car is $22,000, and
your down payment will be $5,000.
You will be financing $17,000 at 8%.
What will your payments be?
Automotive
Loan
Number of
years to pay
Interest Rate
12 payments
a year
Press--
[Compute] [Pay$]
Save $
Compute
Future $
150
10
4
12
Loan $
Compute
Pay $
$17,000
8%
12
Monthly installment
Calculate
Future value
[Save $]
[No. of Years]
[Annual Yield %]
[Month/Year]
$22, 161.10
Mortgage amount
Calculate
Monthly payment
[Loan $]
[No. of Years]
5
[Interest Rate%]
[Month/Year]
$342.42
Loan Calculations
Calculating a mortgage
You are buying a $120,000 Town House.
Your down payment is 10% ($12,000), and you
will be financing $108,000 at 8% for 30 years.
What is your payment?
Home Loan of $108,000 [Loan $]
Number of years
to pay 30 [No. of Years]
Interest Rate 8%
12 payments
a year 12 [Month/Year]
Press--
[Compute] [Pay$] $787.22
A word about mortgage payments (PITI)
A mortgage payment will include the mortgage
payment principal and interest, in this case
$787.22. It will also include the monthly real
estate taxes and insurance payment (Divide
the annual rate by 12 to get the monthly rate).
For Example:
Annual taxes at $2,400, and annual insurance
at $600 = $200 monthly tax payment + a $50
monthly insurance payment. Adding these to
the total payment of $787.22 give us a total
monthly payment of $1,037.22 (This is called
Principal + Interest + Taxes + Insurance or PITI.)
How to compute the mortgage
payment you can afford
Industry guidelines indicate that a consumer
should spend about 28% of his monthly
income on housing. If your combined
family monthly income is $6,000, you can
afford a mortgage payment (PITI) of $1,680.
(Other payments. like credit card and car
payments, installment loans, etc., should not
exceed 36% of your gross family monthly income.)
$6,000 [X] 28 [%] $1,680
How much loan can I get with
a PITI of $1,680
Enter Payment $1,680 [Pay $]
Number of years
to pay 30 [No. of Years]
Interest Rate 8%
12 payments
a year 12 [Month/Year]
Press--
[Compute] [Loan $] $230,482.65
[Interest Rate %]
[Interest Rate%]
Page 2
Simple Arithmetic Calculations
[+], [-], [X], [∏] and [=] are the standard
function keys.
Press the Equal key [=] to obtain the result
of an operation.
If the wrong function key is pressed during
an operation, pressing the correct key will
cancel the previous function.
Here is an example of addition:
9 [+] 9 [=] 18
Working with Percentages
Calculating percentages is easy with your
Datexx DH-170FS.
What percentage of 211 is 40?
40 [∏] 211 [%] 18.95%
What is 37% of 931?
931 [X] 37[%] 344.47
Working with the Memory
The memory functions of this calculator are
accessed with 3 keys:
• To store data in memory [M+].
• To subtract data from memory [M-].
• And finally, to recall stored memory [MRC].
Tapping [MRC] once displays the data
stored in memory.
Tapping [MRC] twice clears all data stored
in memory.
(You will note the memory symbol “M”
disappears from the calculator display
when the memory is cleared.)
Finding a Square Root
To find a square root, enter the number
and press the square root key.
620 [÷] [=] 24.899
Business Calculations
Profit Analyzer
MARGIN
COST
SELL
SELL
COST
MARGIN MARGIN
Your calculator can handle standard
business calculations, such as determining
the Gross Profit Margin; how to set
selling prices, and how to calculate costs,
such as dealer cost.
(Note: Pay special attention to the keys
used below to be certain you are selecting
the proper key for your desired function)
Calculating the Gross Profit
Margin
You bought stock for $10 a share 10
You sold it for $15 a share 15 [SELL]
Your Gross profit margin is
Determining the Selling Price
You bought an investment
property for $130,000
You would like to make
a 15% profit
The selling price should be 152,941
Determining Cost
(E.g., a Dealer’s Cost)
You know the car has an
MSRP of $35,000
You estimate the dealer’s
profit to be 15%
The Dealer’s cost is
estimated at
COST
SELL
130000
15 [MARGIN]
35000
15
MARGIN
[COST]
33.33%
SELL
[COST]
COST
[SELL]
[MARGIN]
$29,750
Currency Exchange
To determine a currency exchange rate, you
need to enter the current exchange
rate value.
For example, if the Euro was currently
pegged at 1 Euro = 0.9822 of the U S Dollar,
here is how you would do the calculations:
1. Select and hold down the [USD] key
until “0” shows.
2. Enter the USD value (0.9822).
3. Press the [USD] key setting the value.
How much is $150 in the Euro currency?
Enter 150 Press [USD]
Press [Foreign] 152.72
How much is 275 in the Euro currency
worth in U S Dollars?
Enter 275 Press [Foreign]
Press [USD] $270.11
Tax Calculations
To perform a tax calculation, program your
calculator with the tax rate by pressing and
holding the [%] key until “0” is displayed.
If, for example, the Tax Rate is 3.75%, enter
that value. And press the [%] key again.
Now the tax rate is set.
If a dinner bill is $120.00 how much is the
total bill including 3.75% tax?
Enter 120 [TAX+] 124.50
Enter [TAX+] again to see the amount of
tax paid 4.50
Your credit card charge is $138.00.
How much was the bill before tax was
added in?
Enter 138 [TAX-] 133.01
Enter [TAX-] again to see the amount of
tax paid 4.98
Troubleshooting
Problem:
Nothing is displayed on the LCD display.
Solution:
Check that the battery is fresh and placed
correctly.
Care and Maintenance
Keep this unit dry. Avoid dropping the
calculator.
If it gets wet, wipe it dry before use.
Do not clean with harsh solvents or
detergents.
Wipe clean with a soft slightly damp cloth.
www.datexx.com
TELEDEX INC. warrants these products to the original purchaser to
be free from defective material and workmanship. The product will
returned with proof of purchase to the address below. Include a
TELEDEX Limited U.S.A. Warranty
be repaired or replaced at our option, for up to one year when
check or money order for $5.00 to cover postage.
TELEDEX INC. 1 Atlas st. Kenilworth, NJ 07033
Printed in China 10/02
Loading...