HP HP-18C - Time Value of Money; Amortization

Time Value of Money (TVM)
5 = payment mode factor (0 for End mode; 1 for Begin mode) .
i% = I%YR
#P/Y
a = PV + (1 + i% x 5 ) x PMT x USPV (i% :n) + FV x SPPV (i%:n)
100
Amortization
~INT = accumulated interest
~PRIN = accumulated principal
i
= periodic interest rate
BAL is initially the TVM value of PV, rounded to the current display
setting.
PMT is initially the TVM value of PMT, rounded to the current display
setting .
I%
YR
i = - ---= .:..::...:.::..::..:.- --
#P / Y x 100
For
each payment amortized :
INT'
= BAL x i (INT' is rounded to the current display setting;
INT' = 0 for period 0 in Begin mode)
INT = INT' (with sign of PMT)
PRIN
= PMT + INT'
BAL
n ew
= BAL
old
+ PRIN
~ INT new = ~ INT old + INT
~ PRIN
n ew
= ~ PRIN
old
+ PRIN
180 B: More About HP-18C Calculations