The newer HP 10BII is not quite identical.

**Financial Keys**-
N, number of periods

I/YR, rate of interest per year

P/YR, number of periods per year

PMT, payment per period

PV, present value

FV, future value **Conventions**-
Payments which increase the balance are positive numbers.

Payments which decrease the balance are negative numbers.

Future values are withdrawals, usually entered as negative numbers. **Floating Decimal**- Press DISP, followed by the decimal point.
**Clearing Financial Data**- Press CLEAR ALL.
**Beginning Annuities**- Press BEG/END.
**Entering Financial Data**-
Display the value, then press the financial key.

To enter P/YR, enter the value, then press P/YR. **Computing Values**-
Simply press the financial key to be computed. (There is no "compute" key.)
**Example:**-
Tom's account begins with $500, and earns 6% per year, compounded
monthly. He deposits an additional $50 at the end of each month. What
will the balance be at the end of one year?
The variables are:

N = 12 I = 6/12 PMT = 50 increasing PV = 500 FV = ??? - The keystrokes are:
- CLEAR ALL

12 N

6 I/YR

12 P/YR

50 PMT

500 PV

FV

The answer is $1,147.62, rounded to the nearest cent. The negative sign indicates that the amount can be withdrawn from the account.