A Simple Calculator Which Can work Differently and Well | Nepal

FEEN FINANCIAL TITAN

Simulating HP 12C • TI BA II • Canon MP11DX • Bloomberg Terminal

Time Value of Money (TVM) Solver

Enter 4 known values, click the button of the 5th to solve.

RESULT: ---
Cash Flow Convention: Money IN is (+), Money OUT is (-). For a loan: PV is (+), PMT is (-).

Supported Logic

HP 12C & 12C Platinum: Uses iterative solving for 'i'. Standard annuity formulas.

TI BA II Plus / Professional: Replicates the standard N, I/Y, PV, PMT, FV workflow used in CFA exams.

Formula: $$ PV = - \left( \frac{PMT}{i} [1 - (1+i)^{-n}] + \frac{FV}{(1+i)^n} \right) $$

Desktop Printing Calculator

Simulates Canon MP11DX / Sharp EL-1197PIII. Good for Tax & Audit.

Advanced Valuation Models

Option Pricing (Black-Scholes)

Stock Price (S): Strike Price (K): Time to Maturity (T in Years): Risk-Free Rate (r %): Volatility (σ %):

Call: --- | Put: ---

Discounted Cash Flow (DCF)

Free Cash Flow (FCF): Growth Rate (g %): WACC (%):

Value: ---

Uses Terminal Value (Gordon Growth Model)

Hardware & Software Logic Explained

1. The HP 12C Family (RPN vs Algebraic)

The HP 12C is famous for **RPN (Reverse Polish Notation)**. Instead of typing `2 + 2 =`, you type `2 [ENTER] 2 +`. This reduces keystrokes for complex compound interest calculations. Our TVM module above uses the *logic* of the 12C (iterative solving) but presents it in a web-friendly form.

2. Texas Instruments BA II Plus

The standard for the CFA exam. It uses the **Chain Calculation Method** and standard algebraic entry. Key features simulated here include the dedicated N, I/Y, PV, PMT, FV memory registers.

3. Canon/Casio Printing Calculators

Machines like the **Canon MP11DX** focus on "adding machine logic". You enter a number, then the operation `[+]` adds it to the accumulator. The "Tape" provides an audit trail, essential for forensic accounting and tax preparation.

4. Software (Excel/Bloomberg)

Tools like **Bloomberg Terminals** and **Excel VBA** handle non-linear models like **Black-Scholes** (for options) and **Monte Carlo Simulations**. The Quant tab simulates these advanced formula engines.