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I've had a lot of visitors but few comments! Let me hear from you! **Email me at:**
Genewright143@hotmail.com

The program listed below will solve for either N, PMT, PV, or FV in the Time Value of Money equation provided that the interest rate is known. It originally appeard in the 1975 PPC Journal, V2N6 Pages 14 and 15 by Neil Murphy (thanks to Neil wherever he is today!). This along with it's companion program to solve for the interest rate were phenomenal programs at the time. The HP-65 Finance 1 card library had been introduced with 38 cards of programs in it. 12 of those cards were to solve the TVM problems handled by these two programs. If only factory written software.... ;-)

**Instructions: **

**1) Initialize. **
Ordinary Annuity (payments at end of period), F-1, SF-1. (Clear Flag
1)

Annuity Due (payments at beginning of period), F, SF-1. (Set Flag 1)

**2) Clear Registers.** F, REG

**3) Inputs (in any order)**

N (number of periods). Press A. Display shows 0.00

I (interest rate PER PERIOD). Press B. Display shows 0.00

PMT** (payment). Press C. Display shows 0.00

PV (present value). Press D. Display shows 0.00

FV** (future value). Press E. Display shows 0.00

** When calculating a sinking fund or periodic savings, either payment or future value (but not both) must be entered as a negative value.

**4) Outputs or solve for... **

N. Press A. Display shows number of periods.

PMT. Press C. Display shows the periodic payment.

PV. Press D. Display shows the present
value.

FV. Press E. Display shows the
future value.

Note: This program does NOT automatically store the calculated value into the corresponding storage register!

**Program Listing.** Keying in HP-65 programs can be a real pain
for several reasons, but especially because it doesn't show any line
numbers for each instruction. Giving HP the appropriate break (since
the HP-65 WAS the first handheld programmable), it's still hard to
do. It's especially troublesome if you make a mistake since there is
no BST function to see what you just typed in. If your HP-65
keyboard is sticky, you might get several instructions inserted into
the program or it might not get inserted at all. Be sure to review
the listing keycode by keycode after you have it typed in. ALSO, for
those of you trying to make sense of this listing, remember: the HP-
65 skipped TWO steps after each conditional test, rather than the 1
step on all other HP's!

**Explanations.** X NE Y? is x not equal to y. TF-1 is test flag 1
(the same as FS? 01 on later HP's). F is the yellow function key so
labeled. g RDN is the blue shift key followed by the roll down key. g
RUP is the blue shift key followed by the roll up key. For any other
questions, email me.

**Examples:** For examples, check out the other two Time Value of Money programs I have online and input the proper values from the listed examples section.

Line Keycode Instruction 00 33 01 STO 1 01 00 0 02 35 21 g X NE Y 03 00 0 04 24 RTN 05 34 05 RCL 5 06 34 03 RCL 3 07 31 F 08 61 TF-1 09 34 06 RCL 6 10 71 * 11 34 02 RCL 2 12 81 / 13 51 - 14 34 04 RCL 4 15 35 00 g LSTX 16 51 - 17 81 / 18 31 F 19 07 LN 20 34 06 RCL 6 21 31 F 22 07 LN 23 81 / 24 24 RTN 25 23 LBL 26 12 B 27 43 EEX 28 02 2 29 81 / 30 00 0 31 35 21 g X NE Y 32 51 - 33 33 02 STO 2 34 01 1 35 34 02 RCL 2 36 01 1 37 61 + 38 33 06 STO 6 39 34 01 RCL 1 40 42 CHS 41 35 g 42 05 Y^X 43 33 08 STO 8 44 51 - 45 34 02 RCL 2 46 81 / 47 31 F 48 61 TF-1 49 34 06 RCL 6 50 71 * 51 33 07 STO 7 52 34 03 RCL 3 53 71 * 54 34 08 RCL 8 55 34 05 RCL 5 56 71 * 57 00 0 58 24 RTN 59 23 LBL 60 13 C 61 33 03 STO 3 62 00 0 63 35 21 g X NE Y? 64 00 0 65 24 RTN 66 12 B 67 35 07 g X<>Y 68 42 CHS 69 34 04 RCL 4 70 61 + 71 34 07 RCL 7 72 81 / 73 24 RTN 74 23 LBL 75 14 D 76 33 04 STO 4 77 00 0 78 35 21 g X NE Y? 79 00 0 80 24 RTN 81 12 B 82 35 08 g RDN 83 61 + 84 24 RTN 85 23 LBL 86 15 E 87 33 05 STO 5 88 00 0 89 35 21 g X NE Y? 90 00 0 91 24 RTN 92 12 B 93 34 04 RCL 4 94 35 09 g RUP 95 51 - 96 34 08 RCL 8 97 81 / 98 24 RTN

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