Victor Technology V12 Manual Do Utilizador

RCL   PV 

372,217.58 
Displays the remaining principle after 60 months of 
payments 

RCL    n 

60.00 
Displays the number of payments amortized (60 
months) 

12  b   AMORT 

-22,152.81 
Displays the amount of interest paid in the next 12 
months of payments (after the initial 60 months 
already amortized) 

x ↔ y 

-6,625.59 
Displays the amount of principle paid in the next 12 
months of payments (after the initial 60 months 
already amortized) 

 

 b   NPV  (net present value) represents the value of a series of future cash 

flows discounted at a specified rate of return to reflect the present value. 
 

¾

  When NPV is positive, financial value increases. 

¾

  When NPV is 0, financial value stays the same. 

¾

  When NPV is negative, financial value decreases. 

 
Therefore, the greater the value of NPV, the greater the increase in financial 
value. 
 
To find NPV, add the initial deposit (a negative cash flow) to present value of 
future cash flow.  (Here, i will describe the rate of return, and NPV describes 
the result of the investment.) 
 
Two keys not yet discussed in this manual are required to perform NPV 
calculations.  The  CFo  key is used to store the initial cash flow.  When 
touched, the contents of the x-register are stored in R

0

.  The  CFj  key is used 

to store additional cash flows.  When touched, the contents of the x-register are