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

I/Y, rate of interest per year

P/Y, 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 2nd Format 9 ENTER 2nd QUIT.
**Clearing Financial Data**- Press 2nd CLRTVM.
**Beginning Annuities**- Press 2nd BGN, then 2nd SET until BGN appears in the display, then 2nd QUIT.
**Entering Financial Data**-
Display the value, then press the financial key.

To enter P/Y, press 2nd P/Y, then the value for P/Y, then ENTER 2nd QUIT. **Computing Values**-
Press CPT, followed by the financial key to be computed.
**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:
- 2nd CLRTVM

12 N

6 I/Y

2nd P/Y 12 ENTER 2nd QUIT

50 PMT

500 PV

CPT 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 The negative sign indicates that the amount can be withdrawn from the account.