Endura Wealth Legacy Partners

Time Value of Money

Solve for N, I/YR, PV, PMT, or FV — exact iterative math, HP‑12C conventions

EWLP · financial

TVM · 5‑KEY

READYEND · 12/YR

0.00

enter 4 of 5 values, tap the gold key to solve

NAR: —EAR: —

n periods

i/YR nominal %

PV present value

PMT payment/period

FV future value

Payments Due

Periods / Year

Sign convention matches the 12C: cash you pay out is negative, cash you receive is positive. Leave exactly one of the five fields blank — that’s the one it solves for. i/YR is a nominal annual rate; it’s divided by Periods/Year to get the rate per period.