Casio Financial Consultant FC-100V User manual

FC-200V
FC-100V
User's Guide
RCA501407-001V03
E
http://world.casio.com/edu_e/

CASIO Europe GmbH
Bornbarch 10, 22848 Norderstedt, Germany
Important!
CASIO COMPUTER CO., LTD. makes no guarantees
concerning accuracy of the contents of this manual or
their suitability for any commercial purpose or other
particular purpose, or concerning the accuracy of
calculation results (such as financial calculation
simulation results) produced by this calculator.
• Financial calculation rules and practices can differ
according to country, geographic area, or financial
institution. It is up to you to determine whether the
calculation results produced by this calculator are
compatible with the financial calculation rules that
apply to you.

E-1
About this Manual
•This User’s Guide covers use and operation of the CASIO
FC-200V and FC-100V. Operations apply to both models,
except in cases indicated by the text “FC-200V only”.
•Keycap markings indicate what a key inputs or what
function it performs.
Example: 1, 2, +, -, A, etc.
•Pressing the
SHIFT
or
ALPHA
key followed by a second key
performs the alternate function of the second key. The
alternate function is indicated by the text printed above
the key.
•The following shows what the different colors of the
alternate function key text mean.
If key marking It means this:
text is this color:
Yellow Press
SHIFT
and then the key to
access the applicable function.
Red
Press
ALPHA
and then the key to
input the applicable variable or
constant.
•In this manual, a
SHIFT
key operation is shown as 1,
while an
ALPHA
key operation is shown as S.
•The following shows an example of how an alternate
function operation is represented in this User’s Guide.
Example: 17(S-MENU)
Indicates the function that is accessed by the
key operation (17) before it. Note that
this is not part of the actual key operation you
perform.
Keycap function
Alternate function
t
Y}VARS

E-2
•The following shows an example of how a key operation
to select an on-screen menu item is represented in this
User’s Guide.
Example: 1(1-VAR)
Indicates the menu item that is selected by the
number key operation (1) before it. Note that
this is not part of the actual key operation you
perform.
•The cursor key is marked with four
arrows, indicating direction, as shown
in the illustration nearby. In this User’s
Guide, cursor key operation is
indicated as f, c, d, and e.
Some examples in this manual start out assuming that the
calculator is set to a particular angle unit. This is indicated
by the following marks.
z: Degrees
Z: Radians
•The displays and illustrations (such as key markings)
shown in this User’s Guide are for illustrative purposes
only, and may differ somewhat from the actual items they
represent.
•The contents of this manual are subject to change without
notice.
•In no event shall CASIO Computer Co., Ltd. be liable to
anyone for special, collateral, incidental, or consequential
damages in connection with or arising out of the purchase
or use of this product and items that come with it.
Moreover, CASIO Computer Co., Ltd. shall not be liable
for any claim of any kind whatsoever by any other party
arising out of the use of this product and the items that
come with it.
REPLAY

E-3
Initializing the Calculator
Perform the following procedure when you want to initialize
the calculator and return the calculation mode and setup
to their initial default settings. Note that this operation also
clears all data currently in calculator memory.
1. O19(CLR)
2. “All:EXE” (cf), then E.
3. E(Yes)
4. A
•To cancel initialization without doing anything, press
E(Cancel) instead of E(Yes).
This setting: Is initialized to this:
Calculation Mode COMP
This setting: Is initialized to this:
Payment End
Date Mode 365
dn CI
Periods/Y Annual (FC-200V only)
Bond Date Date (FC-200V only)
Date Input MDY
PRF/Ratio PRF (FC-200V only)
B-Even Quantity (FC-200V only)
Digit Sep. Off
Angle Deg
Display Digits Norm1
STAT Off
•For information about memory, see “Using Calculator
Memory” on page E-35.
•For information about shortcut keys settings, see
“Shortcuts” on page E-94.

E-4
Safety Precautions
Be sure to read the following safety precautions before
using this calculator. Keep this manual handy for later
reference.
Caution
This symbol is used to indicate information that can
result in personal injury or material damage if ignored.
Battery
•After removing the battery from the calculator, put it
in a safe place where it will not get into the hands of
small children and accidentally swallowed.
•Keep batteries out of the reach of small children. If
accidentally swallowed, consult with a physician
immediately.
•Never charge the battery, try to take the battery apart,
or allow the battery to become shorted. Never expose
the battery to direct heat or dispose of it by
incineration.
•Improperly using a battery can cause it to leak and
damage nearby items, and can create the risk of fire
and personal injury.
•Always make sure that the battery’s positive kand
negative lends are facing correctly when you load
it into the calculator.
•Remove the battery if you do not plan to use the
calculator for a long time.
•Use only the type of battery specified for this
calculator in this manual.
Disposing of the Calculator
•Never dispose of the calculator by burning it. Doing
so can cause certain components to suddenly burst,
creating the risk of fire and personal injury.

E-5
Handling Precautions
•Be sure to press the Okey before using the
calculator for the first time.
•Even if the calculator is operating normally, replace
the battery at least once every three years (FC-200V)
or two years (FC-100V).
A dead battery can leak, causing damage to and
malfunction of the calculator. Never leave a dead battery
in the calculator.
•The battery that comes with this unit discharges
slightly during shipment and storage. Because of
this, it may require replacement sooner than the
normal expected battery life.
•Low battery power can cause memory contents to
become corrupted or lost completely. Always keep
written records of all important data.
•Avoid use and storage of the calculator in areas
subjected to temperature extremes.
Very low temperatures can cause slow display response,
total failure of the display, and shortening of battery life.
Also avoid leaving the calculator in direct sunlight, near
a window, near a heater or anywhere else it might be
exposed to very high temperatures. Heat can cause
discoloration or deformation of the calculator’s case, and
damage to internal circuitry.
•Avoid use and storage of the calculator in areas
subjected to large amounts of humidity and dust.
Take care never to leave the calculator where it might be
splashed by water or exposed to large amounts of
humidity or dust. Such conditions can damage internal
circuitry.
•Never drop the calculator or otherwise subject it to
strong impact.
•Never twist or bend the calculator.
Avoid carrying the calculator in the pocket of your trousers
or other tight-fitting clothing where it might be subjected
to twisting or bending.
•Never try to take the calculator apart.

E-6
•Never press the keys of the calculator with a ballpoint
pen or other pointed object.
•Use a soft, dry cloth to clean the exterior of the
calculator.
If the calculator becomes very dirty, wipe it off with a cloth
moistened in a weak solution of water and a mild neutral
household detergent. Wring out all excess liquid before
wiping the calculator. Never use thinner, benzene or other
volatile agents to clean the calculator. Doing so can
remove printed markings and can damage the case.

E-7
Contents
About this Manual ............................................ 1
Initializing the Calculator ................................ 3
Safety Precautions ........................................... 4
Handling Precautions ...................................... 5
Before Using the Calculator .......................... 10
kRemoving the Hard Case .................................... 10
kTurning Power On and Off ................................... 10
kAdjusting Display Contrast ................................... 10
kAbout the Display .................................................. 11
kDisplay Indicators ................................................. 11
Calculation Modes and Calculator Setup .... 13
kCalculation Modes ............................................... 13
kUsing the Setup Screen ....................................... 13
Inputting Expressions and Values ............... 23
kInputting a Calculation Expression Using
Standard Format .................................................. 23
kCorrecting an Expression .................................... 25
kDisplaying the Location of an Error ...................... 27
Basic Calculations ......................................... 28
kArithmetic Calculations ........................................ 28
kPercent Calculations ............................................ 29
Using Multi-statements in Calculations ....... 32
Using Calculation History Memory and
Replay ............................................................. 33
Using Calculator Memory .............................. 35
kAnswer Memory (Ans) ......................................... 35
kIndependent Memory (M) .................................... 37
kVariables (A, B, C, D, X, Y) .................................. 38
kFinancial Calculation Variables (VARS) ............... 40
kClearing Memory Contents .................................. 41

E-8
Financial Calculation ..................................... 42
kSimple Interest Mode ........................................... 42
kCompound Interest Mode .................................... 44
kCash Flow Mode .................................................. 50
kAmortization Mode ............................................... 55
kConversion Mode ................................................. 59
kCost/Sell/Margin Mode ........................................ 61
kDay Calculation Mode .......................................... 64
kDepreciation Mode (FC-200V only) ..................... 66
kBond Mode (FC-200V only) ................................. 71
kBreak-Even Mode (FC-200V only) ....................... 78
kBEV Sub-mode (Break-Even Mode 1) ................. 78
kMargin of Safety Sub-mode
(Break-Even Mode 2) ........................................... 82
kDegree of Operating Leverage Sub-mode
(Break-Even Mode 3) ........................................... 84
kDegree of Financial Leverage Sub-mode
(Break-Even Mode 4) ........................................... 86
kDegree of Combined Leverage Sub-mode
(Break-Even Mode 5) ........................................... 88
kQuantity Conversion Sub-mode
(Break-Even Mode 6) ........................................... 90
Shortcuts ........................................................ 94
kCustom Shortcut Keys ......................................... 94
kFunction Shortcut Keys ........................................ 96
Function Calculations ................................... 98
kPi (π) and Natural Logarithm Base e................... 98
kTrigonometric and Inverse Trigonometric
Functions ............................................................. 98
kHyperbolic and Inverse Hyperbolic Functions ..... 99
kConverting an Input Value to the Calculator’s
Default Angle Unit ................................................ 99
kExponential Functions and Logarithmic
Functions ........................................................... 100
kPower Functions and Power Root Functions .... 101
kRectangular-Polar Coordinate Conversion ........ 103
kOther Functions ................................................. 104

E-9
Statistical Calculation .................................. 108
kStatistical Calculation Types .............................. 108
kInputting Sample Data ....................................... 108
kSTAT Calculation Screen .................................... 111
kUsing the STAT Menu ......................................... 112
Technical Information .................................. 134
kCalculation Priority Sequence ............................ 134
kStack Limitations ................................................ 136
kCalculation Ranges, Number of Digits, and
Precision ............................................................ 137
kSpecial Financial Calculation Error Messages .. 139
kError Messages ................................................. 140
kBefore assuming malfunction of the calculator... 142
Reference ...................................................... 143
kPower Requirements and Battery
Replacement ..................................................... 143
Specifications ............................................... 146

E-10
Before Using the Calculator
kRemoving the Hard Case
Before using the calculator, slide its hard case downwards
to remove it, and then affix the hard case to the back of
the calculator as shown in the illustration below.
kTurning Power On and Off
•Press Oto turn on the calculator.
•Press 1A(OFF) to turn off the calculator.
kAdjusting Display Contrast
1. Press s.
2. Use cto select “CONTRAST:EXE”, and then press
E.
This displays the contrast adjustment screen. Use dand
eto adjust display contrast. After the setting is the way
you want, press E.
Important!
•If adjusting display contrast does not improve display
readability, it probably means that battery power is low.
Replace the battery.

E-11
kAbout the Display
Your calculator has a 31-dot ×96-dot LCD screen.
Example:
kDisplay Indicators
Sample Display:
This Means this: Page:
indicator:
The keypad has been shifted by
7pressing the 1key. The keypad
will unshift and this indicator will
disappear when you press a key.
The alpha input mode has been
entered by pressing the Skey.
3The alpha input mode will be exited
and this indicator will disappear
when you press a key.
MThere is a value stored in independ-
ent memory.
The calculator is standing by for input
STO of a variable name to assign a value
to the variable. This indicator ap-
pears after you press 1t(STO).
The calculator is standing by for input
RCL of a variable name to recall the vari-
able’s value. This indicator appears
after you press t.
{
Input expression
Calculation result
STAT
E-1
E-37
E-37
E-38
E-94
Financial Calculation Mode

E-12
This Means this: Page:
indicator:
STAT The calculator is in the STAT Mode.
360 360 days in a year.
SI Simple interest for interest calcula-
tions of odd (partial) months.
DMY Day, month, year (DMY) as the date
format.
7The default angle unit is degrees.
8The default angle unit is radians.
9The default angle unit is grads.
FIX A fixed number of decimal places is
in effect.
SCI A fixed number of significant digits
is in effect.
Calculation history memory data is
available and can be replayed, or
$`there is more data above/below the
current screen.
The display currently shows an in-
Disp termediate result of a multi-state-
ment calculation.
Important!
•For a very complex calculation or some other type of
calculation that takes a long time to execute, the display
may show only the above indicators (without any value)
while it performs the calculation internally.
E-108
E-15
E-33
E-32

E-13
Calculation Modes and
Calculator Setup
kCalculation Modes
When you want to perform Press this Page:
this type of operation: key:
Simple interest calculations SE-42
Compound interest calculations cE-44
Cash flow calculations CE-50
Amortization calculations AE-55
General and function calculations mE-28
E-98
Statistical and regression aE-108
calculations
Interest rate conversion calculations nE-59
Cost, selling price, or margin oE-61
calculations
Day or date calculations DE-64
Depreciation calculations dE-66
(FC-200V only)
Purchase price and annual yield bE-71
calculations (FC-200V only)
Break-even point calculations BE-78
(FC-200V only)
kUsing the Setup Screen
The setup screen lets you configure various conditions and
screen settings used for calculations. You can also use
the setup screen to adjust display contrast.

E-14
ADisplaying the Setup Screen
There are two different ways to display the setup screen.
•Pressing the skey
•Selecting the “Set:” item on
the menu screen that
appears when you enter
some modes.
The following are the
procedures you need to
perform to access and use the
setup screen using the above
operations.
FC-200V
Important!
All of the example procedures presented in this manual
use the skey procedure to display the setup screen.
To display the setup screen with the skey
1. Press the skey.
This displays a menu of setup items.
•See “Setup Screen Settings” on page E-15 for a
complete list of menu items.
2. Use fc to select the setup item whose setting you
want to change, and then press E.
This displays a screen for configuring the setting of the
setup item you selected.
3. Configure the setting you want.
•You can select a setting by with the cursor and then
press E, or you can input the number that
corresponds to the setting you want to select.
•See “Configuring Settings” on page E-16 for
information about configuring each setting.
To display the setup screen by selecting “Set:” on a
mode menu
Important!
The following procedure is possible only when there is a
“Set:” item on the menu that initially appears when you
enter a mode. It is not available in all modes.

E-15
1. On the menu that appears when you initially enter a
mode, use fc to select “Set:”, and then press E.
•This displays a setup screen of settings that apply to
the current mode only. The content of the setup screen
depends on what mode you are currently in.
2. Use fc to select the setup item whose setting you
want to change. You can also select a setup item by
inputting the applicable number.
•See “Setup Screen Settings” below for information
about configuring each setting.
ASetup Screen Settings
No.
Setup
Description Page
Screen Item
1Payment Payment date (beginning of
term/end of term) E-16
2Date Mode Number of days in a year E-16
3dn Odd period interest calculation E-16
4Periods/Y Number of payment periods
per year E-17
5Bond Date Date or number of coupon
payments specification E-17
6Date Input Date format E-18
7PRF/Ratio Profit or profit ratio specification E-18
8B-Even Sales quantity or sales amount
specification E-18
9Digit Sep. 3-digit separator symbol E-19
0Angle Angle unit E-19
!Fix Number of decimal places E-20
@Sci Number of significant digits E-20
#Norm Value range for exponential
format E-21
$STAT Statistical display E-21
% CONTRAST Contrast adjustment E-22

E-16
AConfiguring Settings
1Payment: Compound Interest (CMPD) Mode,
Amortization (AMRT) Mode
This setting specifies the payment date.
1:Begin Beginning of period
2:End End of period
1. Use fc to select
“Payment”, and then press
E.
2. Press 1(1:Begin) or 2(2:End) to select the setting
you want.
•You can also use fc to select a setting and then
press E.
2Date Mode: Simple Interest (SMPL) Mode, Day
Calculation (DAYS) Mode, Bond (BOND)
Mode (FC-200V only)
This setting specifies the number of days in a year.
1:360 360 days
2:365 365 days
1. Use fc to select “Date
Mode”, and then press E.
2. Press 1(1:360) or 2(2:365) to select the setting you
want.
•You can also use fc to select a setting and then
press E.
3dn: Compound Interest (CMPD) Mode
This setting specifies whether simple interest or compound
interest for interest calculations of odd (partial) months.
1:CI Compound interest
2:SI Simple interest
1. Use fc to select “dn”,
and then press E.

E-17
2. Press 1(1:CI) or 2(2:SI) to select the setting you
want.
•You can also use fc to select a setting and then
press E.
4Periods/Y: Bond (BOND) Mode (FC-200V only)
This setting specifies once a year (Annual) or twice a year
(Semi-Annual) coupon payments.
1:Annual One coupon payment per year
2:Semi One coupon payment every six months
1. Use fc to select
“Periods/Y”, and then press
E.
2. Press 1(1:Annual) or 2(2:Semi) to select the setting
you want.
•You can also use fc to select a setting and then
press E.
5Bond Date: Bond (BOND) Mode (FC-200V only)
This setting specifies use of either a date (Date) or a
number of payments (Term) as the term for bond
calculations.
1:Date Date
2:Term Number of payments
1. Use fc to select “Bond
Date”, and then press E.
2. Press 1(1:Date) or 2(2:Term) to select the setting
you want.
•You can also use fc to select a setting and then
press E.

E-18
6Date Input: Day Calculation (DAYS) Mode, Bond
(BOND) Mode (FC-200V only)
This setting specifies either month, day, year (MDY) or
day, month, year (DMY) as the date format.
1:MDY Month, day, year 06012006 (June 1, 2006)
2:DMY Day, month, year 01062006 (June 1, 2006)
1. Use fc to select “Date
Input”, and then press E.
2. Press 1(1:MDY) or 2(2:DMY) to select the setting
you want.
•You can also use fc to select a setting and then
press E.
7PRF/Ratio: Break-Even Point Calculation (BEV) Sub-
mode of Break-Even (BEVN) Mode (FC-
200V only)
This setting specifies use of either profit (PRF) or profit
ratio (r%) for break-even point calculations.
1:PRF Profit
2:r%Profit ratio
1. Use fc to select “PRF/
Ratio”, and then press E.
2. Press 1(1:PRF) or 2(2:r%) to select the setting you
want.
•You can also use fc to select a setting and then
press E.
8B-Even: Break-Even Point Calculation (BEV) Sub-
mode of Break-Even (BEVN) Mode (FC-200V
only)
This setting specifies use of either sales quantity (Quantity)
or sales amount (Sales) for break-even point calculations.
1: Quantity Sales quantity
2: Sales Sales amount