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RPN Financial 12 quick reference

A landscape financial calculator that works in reverse Polish style: you enter numbers first, then press the operation. A four-level stack holds your working numbers, and the n, i, PV, PMT and FV keys solve loans and savings directly. Gold (f) and blue (g) prefix keys reach the second and third functions.

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. · Shift layer: f · Second layer: g

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Keys

n
n
Stores the number of periods, or computes it if no number was typed.
fAMORT
AMORT: shows interest, principal and balance for the next block of periods.
g12×
12×: multiplies X by 12 and stores it as n.
i
i
Stores the periodic interest rate, or computes it if none was typed.
fINT
INT: computes simple interest on the principal in the stack.
g12÷
12÷: divides X by 12 and stores it as i.
PV
PV
Stores the present value, or computes it if none was typed.
fNPV
NPV: computes net present value from the stored cash flows.
gCF₀
CF0: stores X as the initial cash flow.
PMT
PMT
Stores the payment, or computes it if none was typed.
fRND
RND: rounds X to the number of displayed decimals.
gCFj
CFj: stores X as the next cash flow.
FV
FV
Stores the future value, or computes it if none was typed.
fIRR
IRR: computes the internal rate of return of the cash flows.
gNj
Nj: sets how many times the last cash flow repeats.
CHS
CHS
Changes the sign of X.
gDATE
DATE: adds days in X to the date in Y and shows the result.
7
7
Digit 7.
gBEG
BEG: sets payments at the beginning of each period.
8
8
Digit 8.
gEND
END: sets payments at the end of each period.
9
9
Digit 9.
gMEM
MEM: shows the program lines used and registers available.
÷
÷
Divides Y by X.
yˣ
yˣ
Raises Y to the power X.
fPRICE
PRICE: computes the price of a bond from yield and dates.
g√x
Square root of X.
1/x
1/x
Reciprocal: 1 divided by X.
fYTM
YTM: computes the yield to maturity from price and dates.
geˣ
e raised to the power X.
%T
%T
Shows X as a percent of Y.
fSL
SL: straight-line depreciation for the given year.
gLN
Natural logarithm of X.
Δ%
Δ%
Percent change from Y to X.
fSOYD
SOYD: sum-of-years-digits depreciation.
gFRAC
FRAC: keeps only the fractional part of X.
%
%
Takes X percent of Y, leaving Y in place.
fDB
DB: declining-balance depreciation.
gINTG
INTG: keeps only the whole-number part of X.
EEX
EEX
Enter exponent: the digits that follow are a power of ten.
gΔDYS
ΔDYS: days between two dates, in Y and X.
4
4
Digit 4.
gD.MY
D.MY: dates are entered day first.
5
5
Digit 5.
gM.DY
M.DY: dates are entered month first.
6
6
Digit 6.
gx̄w
x̄w: mean of x weighted by y.
×
×
Multiplies Y by X.
gx²
x²: squares X.
R/S
R/S
Run/stop: starts or stops a stored program.
fP/R
P/R: switches program-entry mode on and off.
gPSE
PSE: pause in a program; not used on this machine.
SST
SST
Single step: runs one program line, or steps forward in program mode.
fΣ
Σ: clears the statistics registers and the stack.
gBST
BST: steps back one program line.
R↓
R↓
Rolls the stack down; Y moves into X.
fPRGM
PRGM: clears the stored program.
gGTO
GTO: go to a program line number.
x⇄y
x⇄y
Swaps X and Y.
fFIN
FIN: clears the financial registers n, i, PV, PMT and FV.
gx≤y
Test x ≤ y in a program.
CLx
CLx
Clears X to zero.
fREG
REG: clears all storage registers and the stack.
gx=0
Test x = 0 in a program.
ENTER
ENTER
Copies X up into Y, ready for the next number.
fPREFIX
PREFIX: shows all ten digits of X.
gLSTx
LSTx: brings back the number X held before the last operation.
1
1
Digit 1.
gx̂,r
x̂,r: estimates x for the y in X; the correlation goes to Y.
2
2
Digit 2.
gŷ,r
ŷ,r: estimates y for the x in X; the correlation goes to Y.
3
3
Digit 3.
gn!
n!: factorial of X.
−
−
Subtracts X from Y.
ON
ON
Cancels a pending prefix and key sequence.
f
f
Gold prefix: the next key uses its gold function.
g
g
Blue prefix: the next key uses its blue function.
STO
STO
Followed by a register number, stores X there. STO + - × ÷ does arithmetic on it.
RCL
RCL
Followed by a register number, recalls its value into X.
0
0
Digit 0.
gx̄
x̄: mean of x in X and mean of y in Y.
.
.
Decimal point.
gs
s: sample standard deviation of x in X and of y in Y.
Σ+
Σ+
Adds the x and y values to the statistics registers.
gΣ−
Σ−: removes a data point from the statistics registers.
+
+
Adds Y and X.

Menus and screens

Time value of money
Type a value and press n, i, PV, PMT or FV to store it. Pressing a key without typing computes it.
Cash flows (g CF0, g CFj, g Nj)
Enter the first flow with CF0, later flows with CFj and repeat counts with Nj; then f NPV or f IRR.
Amortization (f AMORT)
Enter the number of periods and press f AMORT to see interest; x⇄y shows principal, R↓ the balance.
Bonds and depreciation
f PRICE and f YTM for bonds; f SL, f SOYD and f DB for depreciation.
Dates (g DATE, g ΔDYS)
Key dates in the chosen format, then add days or find days between.
Statistics
Σ+ adds a data point; g x̄, g s, g ŷ,r and g x̂,r give results.
Registers and programs
STO and RCL use registers 0 to 9 and .0 to .9. f P/R records keystrokes into a program of up to 99 lines.
f clear keys
f with SST, R↓, x⇄y, CLx and ENTER clears statistics, program, financial registers, all registers, or shows the digits.

Modes and settings

FIX n
Press f then a digit to show that many decimals. The start-up setting is 2.
Scientific
Press f then the decimal point for scientific notation.
BEG / END
g BEG puts payments at the start of each period; g END (the default) at the end.
D.MY / M.DY
g D.MY and g M.DY choose day-first or month-first date entry.
Compound interest
STO then EEX toggles compound interest for part periods; a C marker shows when on.

Tips

Guides for this calculator