This is a brief guide to using the **HP12C** financial calculator. It does not replace your instruction booklet that comes with your HP12C, nor does it replace actually practicing with the calculator.

In the materials below, **BOLD FACE** indicates that you press a key with that label on your HP12C ; **#** indicates that you press a number key; **f** indicates that you press the yellow-orange key; and **g** indicates that you press the blue key.

## Setting up your HP12C Calculator

To set the number of digits on the HP12C after the decimal point, press **f #** where **#** is the number of digits you want to display after the decimal point. For example, press **f2** to display 2 digits after the decimal.

## HP12C Financial functions

To do any calculation in finance using beginning of period payments, press **[g] [BEG]** on the HP12C keyboard. That will light the "begin" sign in your HP12C LCD window. To get end of period payments, press **[g] [END]**. That will turn off the begin sign in your window.

You should use the following sign convention when you work on financial calculations:

- Treat cash flows you are receiving as positive numbers.
- Treat cash flows you are paying out as negative numbers.

To turn a positive number into a negative number, enter the number on your keypad and press **CHS**

Updated On: 18.03.09