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Financial Features

The Professional Edition of DreamCalc offers an extensive range of financial functions, including:

• Compound Interest Calculations
• Discounted Cashflow Calculations
• Amortizing Loan Payments
• Bond Calculations
• Depreciation
• Effective Annual Rates

If you are familiar with advanced financial calculators, you will find the features in DreamCalc easy to use.

Financial Keypad Section

DreamCalc Profession Edition provides an additional set of financial keys, below. If these keys are not visible, select:

View->Financial Scientific

from the main menu.

Financial Keys

Financial calculations are not available in other editions of DreamCalc--if you haven't installed the Professional Edition (DCP), you can download it from www.dreamcalc.com.

Cashflow Sign Convention

When working with cash values, DreamCalc adheres to a sign convention that money received is positive, while money paid out is negative.

For example, a cashflow in which the first value is negative indicates an initial investment (i.e. money paid out), whereas further positive cash values indicate money earned (or received) from the investment. This convention applies for all other calculations.

RPN & Algebraic Input

Financial calculations may be performed in any input modes. Reverse Polish Notation (RPN), however, is supported by the many financial calculators, and therefore, example calculations will be given using RPN in the financial sections of the User Guide unless otherwise stated. See Input Order Notation for information about input modes.

Info. The Bond Calculations section gives the same example using both RPN and algebraic input.

Date Calculations

Date values are used with several financial functions, including bond calculations.

You may find the that DreamCalc handles dates differently than other calculators. For more information, refer to Date Calculations.

Fixed Digit Display

When performing financial calculations, you may choose to set DreamCalc to use fixed digit display. To set two digit display, from the main menu select:

Modes->Precision->Fixed

Modes->Precision->2 Fixed Digits

Examples in the financial sections of the User Guide will be given using two digit precision, unless stated otherwise.

DreamCalc Cashflow Chart

To display the Cashflow Chart, click: Chart->Cashflow.

A cumulative variation may be shown by selecting: Axes->Cumulative.

Entering Cashflows in the List Window

The most convenient method of data input to use the cashflow list in the Graphing & List Window. The main calculator interface is instantly aware of any modifactions you make here.

Using the Keypad

Alternatively, you may enter cashflows using the main keypad.

The [CF0] button clears the data in the cashflow list and enters the current value as the first amount. Use [CFj] to add consecutive values. The [Nj] button can be used to add multiple entries of the same value.

Example: Key in the following:

-1000 [CF0]
800 [CFj]
500 [CFj]
3 [Nj]

The cashflow list will now contain the amounts: -1000, 800, 500, 500, 500.