Ativa AT-10 Betriebshandbuch
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Financial Calculator
Model AT-10
Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD
ON
OFF
FINANCIAL
$
$
$
$
SAVING
LOAN
Tax Set
Margin
Sell
Cost
Tax
Tax
Cost
Cost
Sell
Margin
Sell
Margin
Currency Converter
Rate Set
Foreign
AT-10
Operation Manual
Your Financial Calculator
is designed to be reliable
and easy to use.
This manual will provide clear
instructions for all product
functions.
An Affordable, 12-Digit Multi-function
Calculator with Built-in Software
Components.
Features
Calculate the Time and Value of Money
(Savings, Automobile and Mortgage Loans).
Interest Calculations
Business Profit analysis (cost, sell & margin)
Currency conversions
Tax Calculations
Savings Calculations
Built-in 3-key Memory Functions
Auto Power-Off -- Turns Unit off After
5 Minutes Idle
Slip Cover -- Slips the Unit Out of the "Base",
Reverse it, and Slide it Back in the Base to Store.
Integrated Flip-Down Stand, for Easy Viewing
Adjustment
Getting Started
Note: Your Calculator is powered with
a long-life, Lithium battery to assure
uninterrupted service.
(See "Battery Replacement" below for
change-out procedure.)
Power On and Off
ON] Pressing this key and holding it
[
a second turns the calculator on. This key
is also used to clear all calculations, which
is accomplished with a tap.
[OFF] Turns the calculator off. The unit also
has an auto power-off feature which turns
the unit off after 5 minutes of non-use.
[CE] Tapping this key clears only the last
entry without clearing the problem.
Battery Replacement
1. Slide the unit out of its case and turn
the unit over,face down.
2. Use a small head
screwdriver to loosen
two screws on battery
compartment cover
and remove the cover
(see diagram).
3. Use a small head
screwdriver to push up
old battery.
(see diagram)
4. Replace the lithium
battery (CR-2025),
making sure the positive
(+) side is up.
5. Replace the cover
and screws.
Note: The Lithium battery in this calculator
should be replaced approximately every 2 years.
Calculating the Time Value
of Money
Savings calculations
Number of years
Monthly installment
Save $
Annual yield
Calculate
Annual Yield
Compute
%
Month
Number of
Future value
Future $
/Year
compound
periods a year
How much money will I have if I save $150
a month at 4% for the next 10 years?
Save $150
150
[Save $]
a month
[No. of Years]
For 10 years
10
At 4%
[Annual Yield %]
4
interest rate
Making 12
payments
[Month/Year]
12
a year
[Compute] [Future$]
$22' 161.10
Press--
Loan calculations
Mortgage amount
Number of years
Loan $
Interest rate
Calculate
Interest Rate
Compute
%
Month
Number of
Monthly payment
Pay $
/Year
compound
periods a year
Calculating an automobile loan
You have your eye on a new car.
The cost of the car is $22,000, and
your down payment will be $5,000.
You will be financing $17,000 at 8%.
What will your payments be?
Automotive
[Loan $]
$17,000
Loan
Number of
[No. of Years]
5
years to pay
[Interest Rate%]
Interest Rate
8%
12 payments
[Month/Year]
12
a year
[Compute] [Pay$]
Press--
$344.70
Loan Calculations
Calculating a mortgage
You are buying a $120,000 Town House.
Your down payment is 10% ($12,000), and you
will be financing $108,000 at 8% for 30 years.
What is your payment?
Home Loan of
$108,000
[Loan $]
Number of years
to pay
30
[No. of Years]
[Interest Rate %]
Interest Rate
8%
12 payments
a year
12
[Month/Year]
Press--
[Compute] [Pay$]
A word about mortgage payments (PITI)
A mortgage payment will include the mortgage
payment principal and interest, in this case
$792.47. It will also include the monthly real
estate taxes and insurance payment (Divide
the annual rate by 12 to get the monthly rate).
For Example:
Annual taxes at $2,400, and annual insurance
at $600 = $200 monthly tax payment + a $50
monthly insurance payment. Adding these to
the total payment of $792.47 give us a total
monthly payment of $1,042.47 (This is called
Principal + Interest + Taxes + Insurance or PITI.)
How to compute the mortgage
payment you can afford
Industry guidelines indicate that a consumer
should spend about 28% of his monthly
income on housing. If your combined
family monthly income is $6,000, you can
afford a mortgage payment (PITI) of $1,680.
(Other payments. like credit card and car
payments, installment loans, etc., should not
exceed 36% of your gross family monthly income.)
$6,000
[X]
28
[%]
How much loan can I get with
a PITI of $1,680
[Pay $]
Enter Payment
$1,680
Number of years
[No. of Years]
to pay
30
Interest Rate
8%
[Interest Rate%]
12 payments
a year
12
[Month/Year]
Press--
[Compute] [Loan $]
$228'956.27
$792.47
$1'680