Financial Functions

The following functions are available in the Profession Edition of DreamCalc only.

• 12x
  In-line multiplication when entering a value into the Number of Payments TVM register. Typically, the effect of this key is to convert a period specified in years into one specified in months, which is simultaneously entered to the n register.
• 12÷
  In-line division when entering a value into the Interest TVM register. Typically, the effect of this key is to convert a yearly rate into a monthly one when working with U.S. annual percentage rates. European and Canadian users should generally use the [EMR] key instead.
• AMORT
  Performs loan amortization.
• CFPV(-)#
  Returns the Present Value of negative only cashflows (outlays). CFPV(-)# is accessible by pressing the [NPV] key. For detailed information, refer to Discounted Cashflow Calculations.
• CFPV(+)#
  Returns the Present Value of positive only cashflows (inflows). CFPV(+)# is accessible by pressing the [NPV] key. For detailed information, refer to Discounted Cashflow Calculations.
• CF0
  The [CF0] button clears the data in the cashflow list and enters the current value as the first amount. For further information, refer to Discounted Cashflow Calculations.
• CFj
  The [CFj] appends the current display value to the cashflow list.
• DB
  Calculates depreciation using the Declining Balance method.
• EAR
  Returns the Effective Annual Rate given a monthly input value.
• EMR
  Returns the monthly rate given an Effective Annual Rate input value.
• FV
  Future Value Register. For a complete description, refer to Compound Interest Calculations.
• i
  Interest Rate Register. Value is expressed as a percentage. For a complete description, refer to Compound Interest Calculations.
• INT
  Calculates Simple Interest. The accrued interest is calculated both for a 360-day and 365-day basis simultaneously. It uses the values stored in the TVM registers as follows: the number of days n, annual interest rate i and principal amount PV. The 360-day result is returned directly, and places the result of the 365-day calculation is stored in the K memory register. If you are working in RPN mode, the 365-day result is also placed in the Y stack register.

Example: Your friend asks you for a loan of $450 to start her own company, and agrees to pay you back in 150 days at a 6% simple interest rate to be calculated on a 360-day basis. What is the amount of accrued interest she will owe you in 150 days, and what is the total amount owed? Assume you are using Reverse Polish Notation.

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150 [n] (stores 150 days)
6 [i] (stores interest rate)
-450 [PV] (stores amount loaned out)
[INT]
Displays: 11.25 (accrued interest on a 360-day basis)

[RCL] [PV] (recalls principal loan amount)
[+/(-)] (make sign consistent)
[+]
Displays: 461.25 (total owed)

• IRR
  Calculates the Internal Rate of Return, given a series of cashflow values.
• MIRR
  Modified Internal Rate of Return, calculate for a series of cashflow values and rates for finance and re-investment risk.
• n
  Number of Payments Register. For a complete description, refer to Compound Interest Calculations.
• Nj
  The [Nj] button can be used to add multiple entries of the same value.
• NPV
  The [NPV] makes a series of Present Value functions available, including Net Present Value, CFPV(+) and CFPV(-).
• PMT
  Payment Register. For a complete description, refer to Compound Interest Calculations.
• RICE
  Calculates a bond price, expressed as a percentage of par.
• PV
  Present Value Register.
• ROI
  Calculates the Return on Investment for a series of cashflow values.
• SL
  Calculates depreciation using the Straight-line method.
• SOYD
  Calculates depreciation using the Sum of Year Digits method.
• YTM
  Calculates a bond Yield to Maturity.