fx-3900PV Programs: Finance Factors
I’m revisiting the fx-3900Pv, which seems to be a hit. The last set of programs from May 3 of this year: https://edspi31415.blogspot.com/2025/05/casio-fx-3900pv-linear-system-poisson.html
Remember: When using the ENT (enter/input) command, we must enter a valid number and then the next step. The number that precedes ENT is not counted as a step and is not recorded.
Example: x + 9
In LRN (learn) mode (Mode EXP):
ENT (enter any number)
+
9
=
Casio fx-3900Pv: Simple Interest
maturity amount = principal amount * (1 + 0.01 * I%) * N ÷ 360
interest accrued = maturity amount – principal amount
I% = annual interest rate
N = number of days
The Act/360 method is used.
Code (23 steps):
ENT # enter principal amount (PV)
Kin 1
×
(
1
+
.
0
1
×
ENT # enter interest rate
×
ENT # enter number of days
÷
3
6
0
)
=
HLT # pause, display maturity amount
-
Kout 1
= # display interest accrued, end program
Example 1:
Inputs:
Principal Amount: 1,000.00
Rate: 5%
Number of Days: 30
Output (rounded to 2 decimal places)
Maturity Amount: 1,004.17
Interest Accrued: 4.17
Example 2:
Inputs:
Principal Amount: 360.00
Rate: 8%
Number of Days: 90
Output (rounded to 2 decimal places)
Maturity Amount: 367.20
Interest Accrued: 7.20
Casio fx-3900Pv: Compound Interest Factor with Compounding Periods
The following program calculates the compound interest factor:
factor = (1 + I% ÷ PYR) ^ (YRS × PVR)
where
I% = annual interest rate
PYR = payments per year (compounding periods)
YRS = number of years (N)
The factor is used in simple compound interest problems:
FV = PV × factor
where:
FV = future value
PV = present value
Code (19 steps):
(
1
+
.
0
1
×
ENT # enter interest rate
÷
ENT # enter payments per year
Kin 1
)
x^y
(
ENT # enter number of years
×
Kout 1
)
=
Example:
Find the compound interest interest factor for: I% = 5%, 12 payments a year, 4 years
Factor: 1.220895351
If an investor expects a $5,000.00 payoff, what should the investor pay?
PV = FV ÷ X
Keys: (with the answer from program displayed: [ 1/x ] [ × ] 5000 [ = ])
PV (rounded): 4,0953.36
Casio fx-3900Pv: Loan Annuity Factor
The following program calculates the loan annuity factor:
factor = ( ( 1 - ( 1 + I% ÷ PYR ) ^ (-YRS × PYR) ) ÷ ( I% ÷ PYR )
where
I% = annual interest rate
PYR = payments per year (compounding periods)
YRS = number of years (N)
The factor is used in loan problems without balloon payments, and assume that the payments occur at the end of each period (ordinary annuity):
PV = PMT × factor
where:
PV = present value
PMT = periodical payments
Code (30 steps):
ENT # enter interest rate
÷
ENT # enter payments per year
Kin 2
×
.
0
1
=
Kin 1 # K1 = I% ÷ PYR
ENT # enter number of years
×
Kout 2
=
Kin 2 # K2 = YRS × PYR = N
(
1
-
(
1
+
Kout 1
)
x^y
Kout 2
+/-
)
÷
Kout 1
=
Example:
A student buys a car at $35,619 (after taxes and fees). The student gets a six year loan at 5.7% and pays at the end of each month. What is the payment?
PMT = PV ÷ factor
where PV = 35619, I% = 5.7, PYR = 12 (monthly payments), YRS = 6
Running the program with inputs 5.7, 12, 6: 60.85819003
Payment: [ 1/x ] [ × ] 35619 [ = ]: 585.28 (rounded)
Casio fx-3900Pv: Sinking Fund Factor (Savings Account)
The following program calculates the sinking factor (used for savings accounts):
factor = ( (1 + I% ÷ PYR) ^ (YRS × PYR) – 1 ) ÷ (I% ÷ PYR)
The factor is used in determining the future value of savings plans with regular deposits made at the end of each period:
FV = PMT × factor
Code (29 steps):
ENT # enter interest rate
÷
ENT # enter payments per year
Kin 2
×
.
0
1
=
Kin 1 # K1 = I% ÷ PYR
ENT # enter the number years
×
Kout 2
=
Kin 2 # K2 = YRS × PYR
(
(
1
+
Kout 1
)
x^y
Kout 2
-
1
)
÷
Kout 1
=
Example:
A child’s parents opens up an account on the child’s first birthday. The parents contribute $200.00 per month for the next 18 years. The account pays a fixed rate of 3% per month. What is the value of the fund when the child turns 18?
Note: The account is opened on the child’s first birthday, hence 17 years pass.
FV = PMT × factor
where PMT = 100, I% = 3, PYR = 12, YRS = 17
Running the program with inputs 3, 12, 17: 265.69267
Future Value: [ × ] 200 [ = ]: 53,138.54 (rounded)
Until next time, stay safe and sane,
Eddie
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