tApCalc Finance Sony Ericsson P800/P900 Installation Instruction
Installation of tApCalc Finance is easy and straight forward. Installation can be down by following the few steps listed below.
If you still have problems in installing tApCalc Finance, do not hesitate to contact our technical support.
Before you install
 tApCalc Finance installation is done through the PC Desktop application that came with your P800. If you have not
already installed it, please install it first
Feature rich tApCalc Finance was developed using AppForge Mobile VB and it requires AppForge Booster version 3.5
(a Symbian OS extension) to run. This Booster is supplied to you FREE of charge from Nokia and AppForge. Please
Click here to download the booster
STEP 1 - Unzip the downloaded file
After unzipping the downloaded Zip file, you will see the following files:
tApCalcFinance.sis
tApCalcFinance-P800-Readme.htm
tApCalcFinance-P800-Manual.htm
STEP 2 - Install the application
You will need the device connected to your PC to Install this software
Open your Desktop device manager program.
Select "tApCalcFinance.sis" file to install. The program will now be installed on your device.
Sometime, just double clicking on the .SIS file on your desktop will also install the package automatically.
Using Programmable tape Programmable tape features are accessed from within the program through menu selection.
There are no additional programs that needs to be installed for accessing programmable tape .
Accessing User manual :A link to the user manual page is available on the left guide in this page. Please click on that if
you need to get started on using tApCalc Finance.
Additional Information : This application was written with AppForge MobileVB for the Sony Ericsson P800 and requires
AppForge Booster. Click here to download Booster now.
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About User Interface
tApCalc Finance provides a very simple and easy to use user interface suitable for a device with touch stylus interface.
All keys and commands that tApCalc Finance understands are made available through the user interface and there is no
external dependency on device built-in character recognizer. The user interface has the following elements.
Keys that you tap for entering data to tApCalc
Results are displayed on the calculator display area (right above the keys) and the tape area, which is above the area
that calculator keys are displayed on.
You can switch between the financial calculator and Accounting calculator by selecting “Financial” or “CPA mode”
from the Calculator menu.
Tape menu provides all tape related functions.
Setting calculator preferences
There are 2 preferences you can set for tApCalc Finance:
Number of decimal places preference will set the number of digits after decimal place that the calculator needs to
display. The value can be set from 0 to 4.
Save format can be set to “Tab delimited” or “CSV Format”. Most text files are usually tab delimited. However, if you
want the tape to be used by other programs that understand CSV format, including Microsoft Excel, you should select
CSV format.
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Calculator keys
About Calculator keys
tApCalc Finance has different types of keys, Number keys, Unary keys, Binary keys, and flag keys. It is not a RPN calculator. Therefore, you must use the keys as you would use a normal calculator that does not follow RPN.
Number input must always follow an operator input, which marks the end of number input for tApCalc.
If you are ending a calculation and do not have any more operators to input, a “=” must be entered to
mark the end of calculation.
If after pressing “=” key you need to continue with the operation, you do not need to enter the result
displayed on the calculator again. Just go ahead and enter the operator you desire.
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Binary Function Keys
Binary keys are the keys that require 2 inputs to work on. Example of binary keys are +, - , /, X etc.
When a Binary key is pressed, a second operand number must be entered followed by another operator to
indicate end of operand input for the binary operator. For example, to add 10+20+50 you will need to
enter “10”, “+”, 20,”+”,”50”. Here, the first + indicates end of input for number 10, and the second + for 20. Therefore, after second + is entered, tApCalc will evaluate 10+20 and display 30 on the display.
Now the natural question is what to do after entering “50”? If you calculation ends here, you must enter the
operator “=” to indicate end input for 50. Otherwise, you should enter the corresponding calculator key for the function you want to apply to the above result.
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Unary Function Keys
Unary keys are the keys that require only a single input and are evaluated as soon as the operand is pressed.
Example of unary keys is 1/x, Sqrt, M+ etc. When a unary key is pressed, it is applied on the last result displayed on calculator display, and the calculator immediately displays the new result after applying the operator.
All memory keys are unary keys.
Financial Function Keys
Financial keys are the keys used to carry out the financial operations. Following financial keys are available in tApCalc.
Time Value of Money (TVM) Keys
TVM keys are Present Value (PV), Final Value (FV), Payment (PMT), Interest Rate (i), Periods (n), Amortization (AMO).
These keys are used in tandem to calculate Time Value of Money. In addition, a %12 and x12 keys are available. Flag keys Beg (Begin) and End (End) are provided to set the payment date at the beginning or end of the month.
%12 Key will do 3 things. It will terminate the current number, divide the number input by 12 and store the result in Interest Rate (i).
x12 key will do 3 operations. It will terminate the current number, multiply the number input by 12 and store the result in Period (n).
The sequence of using these keys for a financial operation is described in TVM Functions.
These keys can also be used to calculate Amortization. It is explained in Amortization section.
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Discounted Cash Flow (DCF) Keys
tApCalc support 2 DCF functions, Internal Rate of Return(IRR), and Net Present Value (NPV). In order to
calculate these, 5 keys are available. CF0, CFj, Nj, IRR and NPV.
CF0, CFj and Nj are used to provide cash flow values and repeated cash flow values.
You will also need to use additional financial keys to calculated IRR or NPV
The sequence in which these keys need to be used for the underlying financial operation is described in DCF Functions.
Depreciation Keys
tApCalc provides functions to calculate depreciation of assets. It supports 3 forms of depreciation calculation,
Straight Line (SL), SYD, and Declining Balance (DB) methods of depreciation. The 3 keys SL, SYD, DB are used for this.
These keys are used in combination with the TVM keys PV, FV, n, and i to calculate depreciation.
The sequence in which these keys need to be used for the underlying financial operation is described in Depreciation Functions.
Bond Calculation
tApCalc provides function to calculate semi-annual bond yield and price. The keys used for calculating bond are YTM,
Price, p.Dt, m.Dt. In addition there is a flag key m.dt available to indicate to tApCalc that the data entered is a date not a number.
When entering a date for Bond calculation, you will have to enter 6 digits after decimal point but the maximum
number of digits after decimal in tApCalc is 4. Besides, you will have to go back and forth between preferences
and calculator to set the preference. By clicking on m.dt button, you will notify tApCalc to accept 6 digits after
decimal, as input because you are entering date, not a number.
The sequence to calculate Bond Price and yield is described in the section Bond calculation.
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Tape Functions
About Paper tape simulation
tApCalc Finance provides a simulated paper tape that comes in handy many ways. Most hardware financial desk calculators
come with a paper tape or printer attached to it that records all calculation for future reference. Paper tape simulation
in tApCalc does exactly that and more. In case of tApCalc tape, a tape saved to the disk can be reloaded, edited for mistakes and rerun without reentering all data again, thus saving valuable time for the user. Lets say you have to do some calculations
and you do not have all data handy, you can start the calculation using tApCalc, enter the known data and save the calculation to a tape file. In a future time, when you have the remaining data you can load the tape and extend the calculation with new data.
tApCalc provide the following functionality with the tape:
Save tape
Load tape
Edit tape
Run tape
Clear tape
Save tape
Save tape will save the entire content of the currently displayed tape on to My documents\Calc\tApCalcFinance directory on your Pocket PC Device
Select “Save tape” menu item from “Tools” menu to access this function.
Enter the name of the memo that you want to save your tape to.
There will be 2 options on the screen, “User Program”, “Output”. If a tape is saved as “User Program” it can be later opened for recalculation. A tape saved as “Output” can only be opened for viewing, beaming, printing or emailing.
Tap the appropriate button.
Tap on “Done” to save the tape.
Tap on “Cancel” if you do not want to save the tape.
Tap on a tape and then tap on “Delete” if you want to delete any previously saved tape.
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Load tape
Use load tape option to load a previously stored calculation from the database.
Select “Load” menu item from “Tape” menu to load tape
In the load dialog box, you will see 2 options, “Programs” “Output”.
If you tap out “Program” a set of tapes will be displayed. Tap on anyone of them and tap on “Done”. The tape will be
loaded to your calculator and results automatically calculated.
If you tap on “Output”, only the tapes saved, as “Output” will be shown. When you tap on a tape and tap on “Done”
, you will see the tape in a different screen when the content of the tape will be opened and you will have the
option to Beam, Print or Email the tape.
Tapping on delete button will delete the tape.
If you do not wish to load any tape, tap on cancel
Note: If you selected Output instead of User Program , the tape will not be loaded to the calculator as a calculation.
Rather, it will open a text window and display the data stored in the tape. This is the Output screen from where you
can print the tape.
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Edit Tape
Edit tape function can only operate on tapes displayed on the calculator screen. Therefore, it will be active when
the tape is on and you have entered some calculations, or you have loaded a previously stored tape.
Select “Edit tape” menu item from “Tools” menu to edit tape. It will be enabled if there is any content on the tape.
You can make changes to any operator or operand. To change an operator or operand, tap on that line. Then, if you
enter an operand, the operand will be changed and if you enter an operator, the operator will be changed.
To enter comment on the line, tap on left side of the line. You will see a box where you can enter text.
Please note the line with (NE) at the end of them. This means Not Editable. These are the results of previous operations
that are displayed on the tape and recalculated after you make changes to the operators and operands on the tape.
These cannot be changed.
If you made a mistake on changing a line, use <Undo> to discard changed to the line.
If you made mistakes and want to discard all changes, click on <Cancel>
<Done> will enter “Edit” mode and keep the changes you did intact. In most cases, the tape will be reevaluated and the lines that had (NE) with them will have new numbers.
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Run Tape
Run tape function to rerun the calculations from the beginning as if the user enters all the data from the beginning.
This is equivalent to programming. Run is primarily useful when you want to load a tape to extend the calculation or
edit a tape for mistakes.
Select “Run tape” menu item from “Tools” menu to run tape. It will be enabled only when there is any contact
in the tape.
When the tape is run, you will see the calculation being reevaluated in the calculator display. At the end of the run, the calculator will display the final result and you can continue adding new calculations to the tape normally.
Clear Tape
Clear tape clears the tape content.
Select “Clear tape” menu item from “Tools” menu to clear tape. It will be enabled only when there is any contact in the tape.
Beam Tape in
This function comes in handy when you want to send a calculation done by you to another PDA without going through the lengthy process of emailing it.
Select “Send to Infrared” menu item from “Tools” menu to beam the content of the tape.
It will only work when there is tape content displayed to be beamed. If you need to beam a preciously saved tape,
load the tape using “Load Tape” option and them use this feature.
When beaming the tape, it will be received at the other PDA you are being to as a text file.
Beam Tape out
This function comes in handy when you want to receive a tApCalc calculation, or a txt file in tApCalc text format
from another PDA.
Select “Receive from Infrared” menu item from “Tools” menu to beam the content of the tape.
This option will open the Pocket PC Beam utility and wait to received a tape in the form of a text file.
If a text file is not received, or the file is not in the tApCalc tape format, an error message to that effect is displayed.
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Financial Functions
Amortization
Amortization calculations produce the amount applied toward the principal and interest for a particular loan payment
or series of payments.
To amortize a loan payment, follow the following steps:
1. Clear the financial registers by pressing C
2. Key in the loan amount and then press PV .
3. Key in the interest rate and press i .
4. Key in the future value and tap on FV if you want to calculate based on a residual value of the loan. Otherwise,
it will be taken as 0.
5. If the button at the top of the calculator key shows BEG then the payment mode a set to Begin. If you need to
set it to end just tap on it and it will change to END . Same way, you can change it from End to Begin.
6. Key in the payment amount and press ± , PMT .
7. Key in the number of payments you wish to have amortized and press AMO .
8. The amount applied towards interest is now shown in the display.
Example:Suppose you have purchased an automobile for $25,000 at 8.75% interest compounded monthly on a 5 year loan.
Find the amount you will have paid in interest and principal on the loan after 10 months.
1. Press C to clear the financial registers.
2. Press END for end mode.
3. Key in 25000 and press PV to enter the loan amount.
4. Key in 8.75 and press ¸ 12 to enter the interest compounded monthly or enter the monthly interest and tap on i .
5. Key in 5 and press ´ 12 to convert 5 years to number of months and save it in n . Otherwise, enter number of
months and tap on n .
6. Press PMT to calculate the monthly payment, which will show as 515.9357.
7. Key in 10 and press AMO to amortize the loan.
The program will display the following on the tape
(Int Paid) 1,711.3645 indicating the amount of interest you have paid in 10 months
(Principal Paid) 3447.9925 indicating the amount you have paid towards principal in 10 months after 10 months
(PV) 21,552.0075 indicating the remaining principal balance after 10 months.
Note: Please note that you actual numbers may be slightly different because of preferences setting. If your
preferences are set to 2, then the i value calculated will be rounded to next higher decimal point value causing the
difference.
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Bond Calculations
The PRI and YTM functions calculate the price and yield to maturity of a semi-annual coupon bond. Calculations
are made on a 30/360 basis using a par value of 100.
Example<: You are interested in purchasing a 7.25% semi-annual coupon bond at 92.25. Determine the yield this bond will produce if you purchased it on Oct 10, 1987 and it matures on Oct 10, 1997.
Key in 7.25 and press PMT to enter the coupon rate.
Key in 92.25 and press PV to enter the bond price.
Press m.dy to use Month-Day-Year format.
Key in 10.101987 and press p.dt to enter the purchase date.
Key in 10.101997 and press m.dt to enter the mature date
Press YTM the yield to maturity.
The bond will yield 8.4%.
Example: Assume you desire a yield of 8.88% on a bond that reaches maturity on October 10, 1998. If the bond is a 7.75% treasury bond, how much should you pay for it on October 10, 1988?
Key in 7.75 and press PMT to enter the coupon rate.
Key in 8.88 and press i to enter the desired yield.
Press m.dy to use Month-Day-Year format.
Key in 10.101988 and press p.dt to enter the purchase date.
Key in 10.101998 and press m.dt to enter the mature date
Press PRI to calculate the price.
You should pay $92.7096 for the bond.
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Depreciation
Depreciation calculations can be performed using Straight Line (SL), Sum of Years Digits (SYD), or Declining Balance (DB)
methods.
To calculate depreciation using any method:
1. Key in the price of the asset and press PV
2. Key in the salvage value and press FV
3. Key in the length of time (in years) of the asset's usefulness and press n
4. If you are using the declining balance method, key in the percentage declining balance factor and press i
5. Key in the length of time (in years) to calculate the depreciation on and press either SL or DB or SYD.
Example: Compute the depreciation on a $8600 computer workstation after 1 year. Assume the workstation will be
depreciated over 6 years and that the Sum of Years Digits method will be used.
1. Key in 8,600 and press PV
2. Key in 0 and press FV.
3. Key in 6 and press n.
4. Key in 1 and press SYD. The depreciation for the first year is $2,457.1429.
To compute the depreciation after the 2nd year, key in 2 and press SYD
The depreciation after the second year is $2,047.619
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Time Value of Money Calculation
Loan Calculation
Example: Suppose you wish to take out a Car loan. Calculate the monthly payment if your loan is for $9,000 at 7.95%
interest compounded monthly for 7 years.
1. Press C to clear the financial registers.
2. Key in 9,000 and press PV to enter the loan amount.
3. Press End to make sure end-mode is being used.
4. Key in 7.95 and press ¸12 to enter the interest rate per period.
5. Key in 7 and press ´12 to enter the number of compounding periods.
6. Press PMT. The monthly payment is $140.0518.
Example:-How much could you afford to pay for a new car if you could afford $450 monthly payments? Assume a
6year loan with 7.25% interest compounded monthly.
1. Press C to clear the financial registers and set end mode.
2. Key in 450 and press PMT to enter the monthly payment amount.
3. Key in 7.25 and press ¸12 to enter the interest rate per period.
4. Key in 6 and press ´12 to enter the number of periods.
5. Press PV to calculate the purchase price.
The amount you could afford to pay for the car is $26,209.2679.
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Mortgage Calculation
Example:How much would your monthly payments be for a house costing $170,000 at 9.75% compounded monthly on a 25 year loan?
1. Press C , End to clear the financial registers and use end mode.
2. Key in 170,000 and press PV to enter the purchase price.
3. Key in 9.75 and press ¸12 to enter the interest rate per compounding period.
4. Key in 25 and press ´12 to enter the number of periods.
5. Press PMT to compute the monthly payment. The result is $1,514.9336.
The result is negative because it represents an amount paid out.
Example: Calculate the payments for the first 2 years of a variable rate mortgage if the interest rate is 9.75% for the
first year and 10.25% for the second year. The loan amount is $180,000 and has a 15year term.
1. Press C, End to clear the financial and select end mode.
2. Key in 180,000 and press PV to enter the loan amount.
3. Key in 15 and press ´12 to enter the number of compounding periods.
4. Key in 9.75 and press ¸12 to enter the 1st year's interest rate
5. Press PMT to calculate the payments for the 1st year.
The result is $1,906.8528.
6. Key in 1 and press ´12, FV to calculate the remaining balance after the 1st year. The result is $174,422.9092.
7. Key in the result of FV with sign change(i.e. 174,422.9092), and press PV to store the new loan amount.
8. Key in 14 and press ´12 to enter the new number of compounding periods.
9. Key in 10.25 and press ¸12 to enter the new interest rate.
10. Key in 0 and press FV since the loan will be paid off at the end.
11. Press PMT to calculate the 2nd year's payments.
The result is $1,959.2811.
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Savings Calculation
Example: Suppose you have $7,000 in a savings account. You have just received a raise and are able to make monthly
deposits of $550 into this account. How long will it be before you have $19,000 if your account earns 6.75% interest
compounded monthly?
1. Press C , End to clear the financial registers.
2. Key in 7,000, ± and press PV to enter the beginning amount.
3. Key in 550, ± and press PMT to enter the monthly deposit.
4. Key in 6.75, press ¸12 to enter the interest rate per compounding period.
6. Key in 19,000 and press FV to enter the future value.
7. Press n to calculate the number of periods.
The result is 19 months.
Example: A savings account has a $100,000 balance and earns 8.25% interest compounded monthly. How long will it
take before the account is depleted if regular monthly withdrawals of $1800 are made at the beginning of each month?
1. Press C , Beg to clear the financial registers and select begin mode.
2.
Key in 100,000 and press PV to enter the balance.
3. Key in 8.25 and press ¸12 to enter the interest rate per compounding period.
4.
Key in 1800 and press ± , PMT to enter the monthly withdrawal.
5.
Press n to calculate the number of months to deplete the account.
The result is 70 months (5.8333 years).
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Discounted Cash Flow Analysis
The Net Present Value, and Internal Rate of Return functions allows you to compute compound interest problems at
regular intervals where the payment (positive or negative) amount is irregular. In addition, if a number of the amounts are regular, you can "group" them together. You must observe the Cash Flow Sign Convention when entering the payment
amounts.
The NPV function calculates the net present value of a series of cash flows made at regular intervals. It is most commonly
used to perform an analysis between a variety of investment opportunities. A negative NPV represents a loss on an
investment.
Example: Suppose you are considering purchasing a hotel for an initial payment of $150,000. You predict that cash
flows for the first 3 years to be $50,000 each year, $65,000 for the 4th year, and $75,000 for the 5th year. You desire
a 20% return on investment. Can this amount be realized?
1. Press C to clear the financial registers.
2. Key in 150,000 and press +/-, CFo to enter the initial cash outlay.
3. Key in 50,000 and press CFj To enter the 2nd cash flow.
4. Key in 3 and press Nj to "group" 3 cash flows at 45,000.
5. Key in 65,000 and press CFj to enter the 4th cash flow.
6. Key in 75,000 and press CFj to enter the 5th cash flow.
7. Key in 20 and press i to enter the interest rate.
8. Press NPV to calculate the net present value.
The result is $16,811.3426
9.
Press IRR to calculate the Internal Rate of Return. The investment would yield 24.6367%.
Note: Please note the cash Flow Sign Convention. Compound interest calculations involve money being received as well
as paid out. For example, if you take out a loan, you initially receive money (positive) and then make periodic payments (negative). Thus a loan calculation would involve a positive present value and a negative payment.
Accounting functions
About CPA Mode
TApCalc Finance has a built-in Accounting calculator that provides accounting functions in addition to the standard
calculator functions. These include TAX+, TAX-, MU for Markup and Markdown, Sub-total, Total and Grand total functions.
You can access the CPA mode by selecting CPA mode from the “Calculator” menu in tApCalc finance. To switch back to the finance mode, you can select “Finance mode” from the menu.
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Tax Calculation
Tax+
To use TAX+ function, follow the following steps:
Do your calculation as you would do normally to arrive at a result on which you would like to apply the TAX+ function
While the result is displayed on the calculator, tap on TAX+ key
The calculator will display the result with TAX added to the last number
Example : Suppose you want to calculate total of an item with tax and with $10 shipping where the item price is 100,
and tax rate is 6%, you will do the following:
Make sure TAX rate is set to 6 by going to the “Preferences” menu option. If you have it already set to 6 before there
is not need to follow this step. Once you set a TAX rate in preferences, it is saved till you change it again.
Enter 100 TAX+ + 10 =. The tape display will be like the following:
TAX+ 100 + 10 --------------- Running ST: = 116
Alternately, you could also apply TAX+ to a result as in the example below. The sequences will be 87 + 13 = TAX+ =
87 + 13 --------------- = 100
TAX+ 100 --------------- Running ST: = 106
Tax-
To use TAX- function, follow the following steps:
Do your calculation as you would do normally to arrive at a result on which you would like to apply the TAX+ function
While the result is displayed on the calculator, tap on TAX- key
The calculator will display the result with TAX subtracted from the last number
Example : Suppose you want to calculate price of an item subtracting the TAX component and add $10 for shipping
and the tax rate is 6%.
Make sure TAX rate is set to 6 by going to the “Preferences” menu option. If you have it already set to 6 before there
is not need to follow this step. Once you set a TAX rate in preferences, it is saved till you change it again.
Enter 100 TAX- + 10 = . The display on tape looks like the following:
TAX- 100 + 10 --------------- Running ST: = 104.3396
Alternately you can also apply TAX- to a calculation like the one shown below the sequence will be 87 + 13 = TAX- =
87 + 13 --------------- = 100
TAX- 100 --------------- Running ST: = 94.3396
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Mark Up and Mark Down
Mark Up and Mark Down calculations are done using the MU key. There are 2 ways to calculate Mark Up and Down.
To calculate Selling price from buying price using a Mark Up or Mark Down percentage.
To calculate the percentage an item is marked up if the selling price and buying price are known.
Example : Calculating Selling price using Mark Up or Down
Suppose you want to find out selling price of an items that costs $106 and marked up 12.5%, you will enter 106 MU 12.5 %
On the tape, it appears as:
Cost Price CP 106
MU % 12.5 --------------- Sell Price SP= 121.1429
Example : Finding out how much an item is Marked Up or Down
If the selling price is $120 and Buying prices is $100, you will enter 120 -100 MU
On the tape, it appears as:
Sell Price SP 120
Cost Price CP 100
---------------
Profit% MU= 16.6667
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Total Calculation
Sub-total Calculation
Sub-total is calculated when the “=” key is pressed. Please note that the sub-total in tApCalc Desk is not a true sub-total but a running sub-total. That means, when you select “=” key, the sub-total does not show the total of the calculations you did since last sub-total, it rather shows you sub-total since last total.
Example: Lets say you enter 10 + 20 = - 5 + 30 = the tape display
10 + 20----- Running ST: = 30
- - 5 + 30 ------Running ST: = 55
Where you will notice that the second Sub-total is 55. Ordinarily a calculation done on a paper spreadsheet will have
a sub-total of 25. Because the sub-total here is a running sub-total (which most calculators are) we call it a running
Sub-total.
Total Calculation
Total key will total the last running sub-total and clear up the sub-total buffer. Total is essentially the total of the
entire section of calculation since last total was pressed.
Example :Now, lets extend above calculation to 10 + 20 = - 5 + 30 = TOT 20 – 5 + 7 TOT. The tape display will show
10 + 20 ----------Running ST: = 30
- - 5 + 30 ---------Running ST: = 55 -------- Total = 55
20 - 5 + 7 ---------------Running ST: = 22 --------------Total = 22
You will notice that there are clearly 2 sections of calculations with their Totals. You will also notice that selecting
TOT without an explicit “=” or sub-total will automatically display the sub-total for readability reasons.
Grand Total Calculation
Grand total GTOT key adds all totals to display the grand total of the calculation since last grand total was pressed.
Example : Now, lets extend above calculation to 10 + 20 = - 5 + 30 = TOT 20 – 5 + 7 TOT GTOT. The tape display will show
10 + 20 --------Running ST: = 30
- - 5 + 30 ----------Running ST: = 55 -----------------Total = 55
20 - 5 + 7------------------Running ST: = 22 --------------Total = 22 ------------------Grand total = 77
You will notice that the grand total displayed above is essentially a total of all Totals.
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