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Work out the amount you need now to reach a target sum in the future.

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Present value runs the growth backwards. If you want 10,000 in 5 years and your money earns 4% a year, how much should you put in now? The answer comes out negative, because it is money you pay out today.

Classic Financial II

Start on the main screen: Press 2ND then CPT (QUIT) to leave a worksheet and return to the plain calculator. ON/OFF also drops back to the standard screen and clears an error.

  1. Enter 5 years and 4% a year.

    5N4I/Y

  2. Enter the target as FV, and no regular payments.

    10000FV0PMT

  3. Compute PV.

    CPTPV

You should seeYou need to invest 8,219.27 today. The minus sign means you pay it out.

Classic Financial II key reference

RPN Financial 12

Start on the main screen: There is no menu to leave: the display always shows the X register. Press f then R/S (P/R) to leave program mode, and clear a pending prefix by pressing ON.

  1. Enter 5 years and 4% a year.

    5n4i

  2. Enter the target as FV, and no payments.

    10000FV0PMT

  3. Ask for PV.

    PV

You should see-8,219.27

RPN Financial 12 key reference

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