HP 17bII User's Manual | Page 206

HP Calculators User's Manual - 17bII.
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206  14: Additional Examples 

File name : English-M02-1-040308(Print).doc   Print data : 2004/3/9

Step 2: Calculate NUS for the monthly deposit. 
 
Keys: Display: 

Description: 

9 / 12 
  



Figures the periodic 
(monthly) interest rate and 
stores it in 

I%

  



Amount of monthly deposit 
needed to meet 
planned withdrawals. 

  



Calculates the net present 
value of the monthly 
deposits, which is the 
same as the 

NPV of the 

four future withdrawals. 

 

Value of a Tax-Free Account  

See appendix F for RPN keystrokes for this example
 
You can use the TVM menu to calculate the future value of a tax-free or 
tax-deferred account, such as an IRA or Keogh account. Remember that 
for calculations with cash flows, money paid out is negative and money 
received is positive. (Current tax law and your current income will 
determine whether just interest or also principal are tax-free, and for 
how long. You can solve for either case.) 
 
N  =  the number of payments until retirement. 
I%YR  =  the annual dividend rate. 
PV  =  the present value of the retirement account. 
PMT  =  the amount of your deposit. (It must be constant for the duration 

of the account.) 

FV  =  the future value of the retirement account. 
 
The purchasing power of that future value depends on the inflation rate 
and the duration of the account. 

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