Calculated 3420 calculator
Product Support Information
http://www.calculated.com/
Table of contents
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• GETTING STARTED
• KEY DEFINITIONS
• Basic Operation Keys
• Mortgage / Time-Value-of-Money Keys
• Qualifying Keys
• Keys (Used in U.S. Mode)
• CALCULATOR SETTINGS
• Decimal Place Selection
• Canadian / U.S. Mode
• Preference Settings
• MEMORY
• Accumulative Memory
• Memory Storage Keys (M0-M6)
• BASIC ARITHMETIC EXAMPLES
• Arithmetic
• Percentage Calculations
• Percent Change
• Figuring Straight % Commission
• Reduction in Listing Price (Discount %)
• Simple, 1-Year Home Appreciation (Add-on %)
• USING THE DATE FUNCTION
• EXAMPLES — CANADIAN MODE
• MORTGAGE / TIME-VALUE-OF-MONEY (TVM)
• Finding the Monthly Mortgage Payment
• Finding the Term of a Mortgage
• Paying Off a Mortgage Early (Making Larger Payments)
• Finding the Interest Rate
• Finding the Interest-Only Payment
• Finding the Mortgage Amount
• Non-Monthly Loans
• Finding a Quarterly Payment
• Bi-Weekly Loans
• Bi-Weekly Term Reduction and Payment
• Sales Price / Down Payment
• Finding Mortgage Amount Based on Sales Price and Down...
• Finding Sales Price and Payment Based on Loan Amount and...
• Finding Loan-to-Value (LTV) Based on Down Payment and Sales...
• Setting Property Tax % Rate
• Setting Property Tax
• PITH Payment (Including Heating Expense)
• PITH Payment (Including Heating Expense and Property Tax...
• PITH Payment (Including Heating Expense and Property Tax...
• PITH Payment and Interest-Only Payment
• Amortization and Remaining Balance
• Notes on Amortization
• Total Principal and Interest for a 25-Year Mortgage
• Amortization List for Individual Payment(s)
• Amortization List for a Range of Payments or Years
• Balloon Payment / Remaining Balance Needed to Pay Off a...
• Future Value
• Appreciation / Future Value
• Basic Savings Account Problem (Future Value of an Initial...
• Trust Deeds and Discounted Notes
• Purchase Price of a Note — Fully Amortized
• Finding the Yield on a Discounted Note
• BUYER PRE-QUALIFYING
• IMPORTANT NOTE: U.S. versus Canadian Payment and Qualifying...
• QUALIFYING EXAMPLES
• Recalling GDS / TDS Qualifying Ratios
• Storing New GDS / TDS Qualifying Ratios
• Finding Qualifying Mortgage Amount and Sales Price (Simple...
• Restricted Qualifying
• Unrestricted Qualifying
• Qualifying Comparison (Comparing 2 Different Mortgages or...
• Finding Income Required and Allowable Monthly Debt
• Solving for Actual Qualifying Ratios
• EXAMPLES — U.S. MODE
• Finding the Monthly Loan Payment (Based on U.S. Interest...
• Property Taxes, Property / Hazard Insurance and Monthly...
• PITI Payment (Tax and Insurance Entered as %)
• PITI Payment (Tax and Insurance Entered as $)
• Calculating Tax and Insurance % or
• Finding the Interest Rate
• Finding the Term of a Loan
• Finding the Loan Amount
• Finding Sales Price and Payment Based on Loan Amount and...
• Adjustable Rate Mortgages
• ARM Payment — Worst-Case Scenario
• ARM Payment — Using Lifetime Cap
• Increasing and Decreasing ARM Payment
• Total Principal and Interest for a 30-Year Loan
• APR, Total Finance Charges (Including Mortgage Insurance)
• Bi-Weekly Loans
• Bi-Weekly Term Reduction and Payment
• Estimated Income Tax Savings and After-Tax Payment
• Rent vs. Buy
• Restricted Qualifying
• Unrestricted Qualifying
• Finding Income Required and Allowable Monthly Debt
• Qualifying Comparison (Comparing 2 Different Loans or...
• APPENDIX
• Default Settings
• Reset
• Error Codes
• Auto Shut-Off
• Batteries
• Repair and Return
• Warranty
• Legal Notes
• Looking For New Ideas
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http://www.calculated.com/
Table of contents
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• KEY DEFINITIONS
• Canadian / U.S. Interest Modes
• Preference Mode
• EXAMPLES
• Basic Math
• Percentage Calculations
• Memory Functions
• Setting Decimal Places
• Date Function
• Mortgages and Real Estate Mortgages
• CANADIAN MODE
• Monthly Mortgage Payment
• Term of a Mortgage
• Mortgage Amount
• Interest Rate
• Non-Monthly Mortgages and Payments Per Year (Pmt/Yr)
• PITH and Interest-Only Payment
• Quarterly Payment
• Mortgage Amount Based on Sales Price and % Down Payment
• Sales Price Based on Mortgage Amount and % Down Payment
• Finding Loan-to-Value (LTV)
• Future Value (Appreciation)
• POCKET REFERENCE GUIDE — 21
• Amortization (Total Principal / Total Interest, Remaining...
• Bi-Weekly Mortgages
• Setting Qualifying Ratios
• Qualifying Mortgage Amount
• Restricted vs. Unrestricted Qualifying
• Qualifying Comparison (Two Ratios at Once)
• Finding Income Required and Allowable Monthly Debt
• EXAMPLES — U.S. MODE
• Monthly Loan Payment
• Setting Tax and Insurance
• PITI Payment and Interest-Only Payment
• Qualifying Loan Amount
• ARM Payment — Lifetime Cap
• APR and Total Finance Charges, Including Mortgage Insurance
• Estimated Tax Savings
• Rent vs. Buy
• APPENDIX
• Default Settings
• Repair and Return
• Warranty
• FCC Class
• Looking For New Ideas
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