How to Get Present & Future Value Factor Using Basic Calculator?

Assume: 12% Interest Rate, 4 periods

Computation Using Basic Calculator 

Present Value 

PV of 1 

Step 1: Enter 1+.12

Step 2: Press division sign twice

Step 3: Press equal sign for number of periods (4 times)

PV of Ordinary Annuity 

Step 1: Enter 1+.12

Step 2: Press division sign twice

Step 3: Press equal sign for number of periods (4 times)

Step 4: Minus 1

Step 5: Divide it by the rate 12%

PV of Annuity in Advance

Step 1: Enter 1+.12

Step 2: Press division sign twice

Step 3: Press equal sign for number of periods minus 1 (3 times)

Step 4: Minus 1

Step 5: Divide it by the rate 12%

Step 6: Plus 1

Future Value

FV of 1 

Step 1: Enter 1+.12

Step 2: Press multiplication sign twice

Step 3: Press equal sign for number of periods minus 1 (3 times)

FV of Ordinary Annuity 

Step 1: Enter 1+.12

Step 2: Press multiplication sign twice

Step 3: Press equal sign for number of periods minus 1 (3 times)

Step 4: Minus 1

Step 5: Divide it by the rate 12%

PV of Annuity in Advance

Step 1: Enter 1+.12

Step 2: Press multiplication sign twice

Step 3: Press equal sign for number of periods (4 times)

Step 4: Minus 1

Step 5: Divide it by the rate of 12%

Step 6: Minus 1

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