# HP 10 BII is not calculating correctly.

HELP! I have a test in the morning and my calculator is messed up!!
It is not calculating correctly on some things and on others it is.
EX:
Correctly calculating:
-300 PMT
30*12 N
7 I
FV

but will not calculate:
30 N
10 I
-250 PMT
FV

it is all whacked out!

Posted by on

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Posted on Jan 02, 2017

no..................

Posted on Feb 21, 2010

Change the payments-per-year to 1 to get the correct answer. Press 2nd [P/Y] 1 ENTER.

To pay off a loan of \$3245 at 12% annual interest, you can either make 6 monthly payments of \$559.91 and pay it off in half a year or make 6 annual payments of \$789.27 and pay it off in six years.

Posted on Nov 26, 2010

Check to make sure you have the proper value set for payments-per-year.

Posted on Nov 26, 2010

SOURCE: Help please! How do I

Posted on Mar 21, 2011

This is happening because your calculator is converting the 10% interest figure into a monthly amount (ie 0.833333%), but it isn't changing the number of periods or the periodic payment into monthly equivalents. In both cases, it is assuming that payments are made at the end of each period.

So the figure of 10,168.06 is arrived at as follows:
end of period 1: 2,000.00
end of period 2: 2,000 x 1.00833333 + 2,000 = 4,016.67
end of period 3: 4,016.67 x 1.00833333 + 2,000 = 6,050.14
end of period 4: 6,050.14 x 1.00833333 + 2,000 = 8,100.56
end of period 5: 8,100.56 x 1.00833333 + 2,000 = 10,168.06

whereas the figure of 12,210.20 is arrived at as follows:
end of period 1: 2,000.00
end of period 2: 2,000 x 1.1 + 2,000 = 4,200.00
end of period 3: 4,200 x 1.1 + 2,000 = 6,620.00
end of period 4: 6,620 x 1.1 + 2,000 = 9,282.00
end of period 5: 9,282 x 1.1 + 2,000 = 12,210.20

You will need to find out from your user manual how to stop this from happening, so that all the numbers remain as annual figures. It will involve setting the number of payments per year [P/YR] to 1 instead of 12.

Posted on Oct 06, 2011

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