HP 12c financial calculator 사용자 설명서
186 Appendix D: Formulas Used
File name: hp 12c_user's guide_English_HDPMBF12E44
Page: 186 of 209
Printered Date: 2005/7/29
Dimension: 14.8 cm x 21 cm
Compound Interest
Without an odd period:
n
n
i
FV
i
i
PMT
iS
PV
−
−
+
+
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+
−
⋅
⋅
+
+
=
)
1
(
)
1
(
1
)
1
(
0
With simple interest used for an odd period:
)
(
INTG
)
INTG(
)
1
(
)
1
(
1
)
1
(
]
)
FRAC(
1
[
0
n
n
i
FV
i
i
PMT
iS
n
i
PV
−
−
+
+
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+
−
+
+
+
=
With compound interest used for an odd period:
)
(
INTG
)
INTG(
)
FRAC(
)
1
(
)
1
(
1
)
1
(
)
1
(
0
n
n
n
i
FV
i
i
PMT
iS
i
PV
−
−
+
+
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+
−
+
+
+
=
Amortization
n
= number of payment periods to be amortized.
INT
j
= amount of PMT applied to interest in period j.
PRN
j
= amount of PMT applied to principal in period j.
PV
j
= present value (balance) of loan after payment in period j.
j
= period number.
INT
1
= {0 if n = 0 and payment mode is set to Begin.
|PV
|PV
0
× i|
RND
(sign of PMT)
PRN
1
= PMT – INT
1
PV
1
= PV
0
+ PRN
1
INT
j
= |PV
j –1
× i|
RND
× (sign of PMT) for j > 1.
PRN
j
= PMT – INT
j
PV
j
= PV
j –1
+ PRN
j
∑
∑
=
+
+
+
=
=
n
n
j
INT
INT
INT
INT
INT
1
j
2
1
...
∑
∑
=
+
+
+
=
=
n
n
j
PRN
PRN
PRN
PRN
PRN
1
j
2
1
...
∑
+
=
PRN
PV
PV
n
0