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# CALC 1 User Guide for HP 12C Users

CALC 1 has a HP 12CP reproduction. This page is a guide to the features of CALC 1 from a HP 12CP users perspective.

HP 12C and HP 12C Platinum users will find using CALC 1 very similar to their calculators.
The Time Value of Money with Odd Periods and Simple Interest Calculator and
Time Value of Money with Odd Periods and Compound Interest Calculator
calculator uses periodic interest rates and have the "12x" and "12÷" keys found on the 12C.

1. All of the financial calculations (TVM, Bonds, Cash Flows, Depreciation, Amortization) has separate calculators so the important keys are on the top row.
2. There are form calculators that have easier input (date pickers, ...) and full tables of results for the amortization and depreciation calculations.
3. There are separate statistics calculators so the important keys are at the top and more function.
4. CALC 1 has Key Preview for TVM , STO/RCL and Formula Calculators that show the value right on the key.
5. A List Manager to review and edit the values for statistics and cash flows.
6. Currency and UOM conversions.
7. Many Formula Calculators with solving (enter any two values to calculate the third value) and graphing.
8. A History List to quickly recall past calculations.
9. A 2 (or more in RPN mode) line display so you can view the formula you entered and the results.
10. Customization without programming.

Note that the default calculator displayed for new users is the TVM IYR calculator that uses annual interests rates and payments per year. If you prefer the 12C style periodic interest rates, you want either the:
Time Value of Money with Odd Periods and Simple Interest Calculator
Time Value of Money with Odd Periods and Compound Interest Calculator

calculator found on the Focused Calculator list. They treat odd periods differently, similar to the "STO EEX" 'C' status indicator on the 12CP

At the bottom of the page are tables of detailed features.

### TVM Calculations

CALC 1 handles automatic storing and calculating for the N, i, PV, PMT and FV keys in a slightly different way. This is necessary for the CALC 1 Formula Calculators that using solving and the stored value (initial guess) can determine the calculated result.

The Auto STO "AS" annunciator will turn on when you have entered a number to let you know that then number will be stored when you tap the N, I/YR, PV, FV keys. Otherwise the value will be calculated. If there is any question, hold the key down and the hint will tell you if you are storing or calculating. On the 12C, the TVM key will calculate if the previous key was a TVM key. Otherwise it stores the value.

The cash flows, bond, statistical functions are on separate Focused Calculators. The DATE and ΔDATE keys are on these calculator.

There is also the AMORT key, but I highly recommend the Amortization Form Calculator.

There is also the INT key, but also look at the Simple Interest Loan Formula Calculators.

## The Keyboard

Instead of just one keyboard layout, CALC 1 has separate Focused Calculators. For bond and depreciation calculations CALC 1 has separate calculators. The Bond Calculator has separate storage for the dates so you do not have to enter them every time. Also, the coupon rate and price labeled so you do not have to use the i and PMT keys. The same goes for the Depreciation Calculator. Since the keys are not shared, they can be labeled for the respective calculator, CALC 1 also features additional features for all of the financial functions so you have the best of both worlds.

CALC 1 has one prefix key, the "shift" key. When you tap that key the other key labels are updated.

You can press and hold any key for a hint.

### Keying in Numbers

The CALC 1 "del" key will delete the last digit (like the "g" + "-" back arrow key on the Platinum model).

### Digit Separators

This setting is handled automatically and is determined by the region setting on your device.

### Negative Numbers

CALC 1 uses a "+/-" key in place of the CHS key.

### Keying in Large Numbers

Use the EE key in place of the EEX key.

### Backspacing

The "del" key serves as a backspace and CLx key.

### The CLEAR Keys

Tap shift to display the

clr m - Clear user memory (a-z) values.
clr s - Clear the stack.
clr x - clear the x register.

In addition, most calculators will have "clr" keys for that calculator. Financial calculators will typically have a "clr f" key to clear the financial variables and the statistic calculators will have a "clr l" key to clear the statistic lists.

### Undo Operations

CALC 1 has undo for just about every operation, not just the clearing. With CALC 1 you can use the shake gesture to undo or redo an operation. If shaking the device is not convenient, tap RCL and the operation to undo will be the label of the wide ENTER key. STO will display the available redo operation.

Shake to undo/redo is also available in the List Manager and after pasting keys, calculators or formulas.

### RPN and ALG

CALC 1 supports chain (CHN), algebraic (ALG) and Reverse Polish Notation (RPN) calculation methods.

For the 12C ALG mode 2+3×4 = 20.00. So it is similar to the CALC 1 CHN calculation mode. The CALC 1 CHN mode also supports parenthesis.

In ALG mode the formula is in a separate area than the results so you can view the entire formula.

### Storage Registers

CALC 1 stores values in variables a-z using the STO and RCL keys. The STO and RCL keys will insert the variable when entering a formula.

You can also perform storage arithmetic with the "ra" register arithmetic variable.

## Percentage Functions

See the page on CALC 1 Percentage Calculation Keys for calculating percentages.

%T and Δ% work the same on CALC 1 as the 12C.

CALC 1 also has the following Formula Calculators for percentage calculations:

The CHN and ALG calculation modes support the % operator.

## Calendar Functions

The TVM and Bonds Formula Calculators have the DATE and ΔDYS function keys. See CALC 1 Date Keys for more information.

CALC 1 also has the

There is no option for the format for entering dates. CALC 1 uses the ISO 8601 YYYYMMDD format for entering and displaying dates. The Date calculation pages explain the advantages with the YYYYMMDD format with the entry shortcuts.

## Display Format of Numbers

CALC 1 display options can be set in the Options view. You have the 3 number styles (None, Decimal and Scientific), the number of digits and rows to display. There is also an option for significant digits that is popular with statistics calculations.

## Basic Financial Functions

CALC 1 has the following calculators for the financial solutions found on the HP 12C:

Time Value of Money

The Time Value of Money with Odd Periods and Simple Interest Calculator
Time Value of Money with Odd Periods and Compound Interest Calculator operates like the HP12C where you enter the periodic interest rate.

The Financial Time Value of Money I/YR Calculator and Time Value of Money Form Calculator use the annual interest rate and payments per year as done with the HP10b and HP 17. This also allows you to enter the compounding periods per year for cases where the compounding periods are different from the payments.

Amortization Financial Amortization Calculator

The Financial Amortization Calculator allows to to set the starting and ending period and has a key to advance to the next periods. There is also no need to reset the "N" or "PV" values if you want to go out of order. The calculations for each set of periods are save in the CALC 1 History.

Also see the Amortization Form Calculator.

Simple Interest

Simple Interest Loan-Actual

Simple Interest Loan-Days

Simple Interest Loan-NASD

Simple Interest Loan-EURO

These are a set of Formula Calculators.
Cash Flows Financial Cash Flows Calculator In addition to IRR and NPR, CALC 1 calculates MIRR. Up to 1,000 cash flows that can be easily edited and re-ordered using the List Manager.
Percent

Percent Change Formula Calculator

Many calculators have %, Δ% (percent change) and %T (percent of total) keys for quick percentage calculations.
Depreciation

Financial Depreciation Calculator

Depreciation Form Calculator.

SL, SOYD, DB and DBX with starting month calculations.
Bonds

Financial Bonds Calculator

Bonds Form Calculator

CALC 1 has 5 different date basis and 3 frequencies.
Statistics Statistics: 1 List Calculator
Statistics: 2 List Calculator
List based statistics for 1 & 2 lists. Up to 1,000 cash flows that can be easily edited using the List Manager. List based statistics can calculate median, min, max that cannot be calculated with calculators that aggregate their statistics like the 12C.
Curve Fitting Curve Fitting: LIN Calculator
Separate calculators for each type of curve fitting. (Linear curve fitting is included with the HP 12C as part of the statistics)
Dates The TVM and Bond Calculators have date keys for quick date calculations.

## CALC 1 has the following calculators for the financial solutions NOT FOUND on the HP 12C:

Curve Fitting Curve Fitting: Ln Calculator
Curve Fitting: EXP Calculator

Curve Fitting: PWR Calculator
Separate calculators for each type of curve fitting. (Linear curve fitting is included with the HP 12C as part of the statistics)
Interest Conversion Effective Interest Rate Formula Calculator
Profit Margin Profit Margin Formula Calculator
Breakeven Breakeven Formula Calculator
Currency Conversions Currency Conversions Form Calculator This performs conversions from any Focused or Formula calculator by tapping the CALC 1 logo.
Conversions Conversions Form Calculator This performs conversions from any Focused or Formula calculator by tapping the CALC 1 logo.

We recommend looking at the list of Focused, Formula and Form calculators for a complete list.

## Programming

There is no programming needed to customize CALC 1. CALC 1 can still be customized without the need to program. See the Customization page for details.