How to Calculate Future Value and Present Value with BA II Plus Calculator by Texas Instruments

[@miyuwuong]

Wow. After a full day of rereading my finance textbook trying to figure out how to use this calculator for these types of problems, I now fully understand how to do everything in under 4 minutes thanks to your video. Thank you so much!!

[@tregatregs8804]

My lecturer was just crap with no visual explanation of how to use the financial calculator. Thank you, Ryan, for making life so easy!!!!!!!!!!!!!!!

[@tyanatee5900]

Im sayin,, then she got aggravated with us when a handful did not know how to work it.

[@DJOttmar]

In case someone wonders why the heck they get a different result: N is the number of periods, but there is another setting C/Y (accessible via key P/Y and then down arrow) that sets the number of compounding periods per year. If this is not set to 1, your result won't match.

[@SurferTy]

Thank you! Mine was on 12! Screwed everything up. All good now! Thanks!

[@srinidhishetty490]

thank youuu !! kept wondering why my answers were not matching.

[@ash4856]

Thank you so much for this!

[@christinee8353]

Cannot thank you enough...all was going smoothly, then did some advanced problems...even tried clearing it!!!! Then figured I needed to rewatch how to use the calculator😅

[@zlatkarankine7773]

Lifesaver! I redid this thing like 1000 times until I read your comment! Thank you.

[@Britspence381]

Thanks so much for this clearly presented tutorial. I'm retired now and studied business math ~50 years ago. We had to work our problems without the use of business calculators, using charts in our textbooks. Handheld business calculators were new things, very expensive and couldn't be used on tests. I've always been fascinated by the calculators and am learning to use my BAll Plus now, 'just for the heck of it'. 😊

[@rjwarren77]

extremely helpful, easy to follow, and understand. I searched and watched several other videos before coming across your video; I felt lost after each video, after watching your video just once, I am now doing assignment calculations with ease, on my own. Thank you

[@RyanBrown01]

Thank you for the feedback. Much appreciated!

[@daughterofyahweh007]

This was extremely helpful. Thank you! I just started a finance course and the instructor verbally explained how to calculate the future and present values but didn't go into as much detail as your video. You were thorough and walked us through it visually which helped me tremendously. I went from looking at this as a second language to better understanding what it all means.

[@mikealmanza8396]

Step 1 for the beginner beginning a journey at finance. Well done sir! Thank you! Simple and to the point. Spot on.

[@rosazamora1066]

Hello, I am taking finance and all the other videos I've watched just tell me the formula but not how to enter it. Your account is so helpful!!! Thank you so much! You make a difference.

[@newbieblio]

Currently watching this video to practice with my own calculator for a finance exam, and you explained how to do this better in 3 mins compared to my professor. You just got another subscriber!

[@jaykay7276]

Method of explanation was really easy! Now concepts are much clearer!!!

[@unityaboriginelove6595]

This video saved me a headache. I didn't know that I was supposed to enter a payment($0) even though, the problem doesn't have one. I kept getting the wrong answer. Thank you so much for showing us EXACTLY what and how to enter the numbers. I have subscribed to your channel.

[@noellejacobs6010]

Thank you so much! The pervious video I was watching left out the step where you press "compute" which caused me to be completely lost and unable to complete the problem. You were extremely helpful!

[@hormazbobinmaker7510]

Thank you, I have an exam tomorrow & this really helped.

[@lindsayzenz4523]

Oh my goodness I have been trying to figure this out for so long and you just in a few minutes showed me how to do it thank you so much!!

[@Alenezi314]

God bless you dude I have an exam next week, and you just showed up. keep it up.

[@s82452]

Way more useful than my university's demonstration.

[@wiyaoboukpessi6088]

Thank you so much. I have to take a finance class & this is the first time I'm using a financial calculator. I didn't know how to use it in class & I just decided to solve the problems using the equations while my classmates got the answers so fast on their calculators.

[@joseignaciomonasimurgueyti4226]

Arrived late to my class today, but this video helped me get all caught up. Appreciate you!

[@lilaidsHD]

Thanks. Couldn't understand how to use this and now that I watched this it's so simple.

[@kelera9765]

Simple and Easy. Downloaded a FC but didn't know how to use it. This video helped me alot and will come in handy this semester

[@abhishekpatel8381]

thank you, this video was better than the answers from ChatGpt and various other textbooks

[@Standbyualways]

Thank you for the tip on how to verify that everything clears out! You're appreciated!

[@exod.oswife]

I love you Ryan. I was getting troubled how to input and computer these fin problems and you helped within 4 mins ❤

[@sidkings]

Much appreciated Ryan. I got my calculator today, just getting to grips with it. Very useful video cheers.

[@عبداللهالروقي-ق1ز]

This Video is indeed my cup of tea of which I was confusingly searching for, thanks man for the easiness and clarity in explanation.🎉

[@hugsbugsdrugs]

Thank you for teaching me the skills that I should have had prior to entering grad school!

[@eveline9530]

i wish you had more videos... Hopefully, you are well and all is okay and just got busy with other stuff in life..

[@misscarter9954]

I am currently studying for my CIMA and this has helped a lot!

[@حياةكريهة-ذ1ص]

thanks duuuude the instructor explains that in 2 lecture's and i didn't understand any thing

[@fortuneam6102]

Literally wasted time reading the first few pages of Ch5. Thank you a million times

[@jackjackery4880]

You are the absolute man for this

[@janicejramos3289]

This was so easy to follow. I finally got it, thanks!

[@adewuyiabolajisimbiat5887]

I find this extremely helpful. Thank you.

[@harsharao2812]

While listening to your voice it's the same as Joe Biden's. And your class is good, do all quants and financial statement analysis problems here. I subscribed and thank you, gratitude 🤲

[@henaazizi7251]

This was very informative, thanks for sharing.

[@asmith1268]

Thank you. I'm taking an Finance class and it is expected that I already know how to use a financial calculator.

[@tslo1808]

Great video, concise and showing all inputs. Appreciate your time and help!

[@user-tr5jq2zi5g]

Extremely helpful! How about a video for computing future value of a series of amounts.

[@florencembah-tobi1549]

this is more than helpful, i am full of joy now

[@davidcooper7339]

I liked your explanation of FV and PV on the calculator. Please if you would, show us the PV and FV of a Ten-Year Bond at discount, and Future Value on the Texas Instrument calculator. Your pace is reduced and for that I'm appreciative. Thank you so much for your help!

[@kyikyiwinaung]

I really appreciate it this video. I can't figure it out about 6 months

[@Fankeybottle123]

Dude, thank you so much for making this video. It's very helpful for my financial strategy class. Thank you so much!!!

[@jagatdave]

thanks.. i checked your example to check whether my BA2 plus reset worked or not...

[@murtalachinade]

This is really helpful. Thank you so much❤

[@karinai8549]

My calculator was off by a significant difference. I was wondering if you did any set up before hand? Mine is at default. I just bought it. Thanks so much

[@Dondo1]

My calculator keeps spitting 98029.60 instead of your answer even though I had the same entries. Is there a different format setting I’m missing?

[@raoulatchikpa2836]

Very helpful! It made my financial course easy on that point. Thnks so much Emmanuel. Regards

[@carlosdiaz1227]

Better than my professor we need a Video on NPV and

[@trap_time]

Learned everything for my finance class in 4 minutes lmaooo

[@neetubinwani7111]

I followed the similar steps - why am I getting 116,147.22?

[@neetubinwani7111]

Now i had got the correct answer - there was some figure under P/Y

[@ivy_2300]

I get a different result: FV = $101,242.28. Anyone else facing this problem or know why?

[@ivy_2300]

Resetting my calculator fixed the problem, for anyone wondering

[@AloeVeera]

Thanks so much. Super helpful and well explained and saved me alot of time!

[@miguelangelmendivil9146]

I did exactly the same as you with my calculator and got different amounts

[@ryanbrown5985]

Let me know what amounts you are getting.

[@chudyedeji7754]

Wooooooooow..... highly helpful in just 4 mins.... Wow!

[@JJSM-cz7sm]

Thanks for the video, I am wonderding for single cash flow problems if I don't enter PMT, is there a default amount setted for PMT so that we must enter PMT as zero?

[@Simone-l9y]

Thank you!!! Found out what I was doing wrong after watching this!!

[@OLISAxo]

you are literally my hero sir

[@Circa1628]

i got a textbook explanation of how to use the calculator. talk about confusing. i really needed a simple example explanation. thanks

[@spacewalktraveller1]

Thanks Ryan you're a star.

[@knightlovahs]

Such a simple and informative video. Thank you!

[@abc123-d1i]

Is it possible to get normal distribution and inverse using BA II Plus?

[@imaddahoui5434]

how to calculate PV with yearly different spot rate and stable PMT ?

[@alexbasevich1098]

This might save me on my final today lol

[@yp918]

very helpful and easy to watch

[@ryandoyle5125]

Thank you! This video was incredibly informative.

[@ruvenazefi4389]

Im confused how you put the negative sign in front of some numbers. How can i know that. Im just starting the finance class and im trying to figure some stuff out.

[@isabellesteger8011]

For anyone that is really struggling and keeps getting the wrong answer or your C/Y you put in wont stay put, I bought a used BAII plus for obvious reasons, and I had to reset the entire calculator so that it would let me keep my own personal settings. Theres a sim-card like button on the back of it to reset!

[@air2wenty]

Do we always put PV in a - number?

[@chrysaorchronos6741]

This guy is a genius

[@sweetpea6690]

Thank you.. it helps me to understand..

[@user-eu9fq1um2s]

My calculator gave me Fv 116 in the first example which is similar to the right answer, i want to know what is the problem? My mood is on AOS

[@dr.santhoshg1727]

What if fv compound semi annually or quarterly?

[@valentinengatchayokeu2971]

What an amazing video! Thank you so much

[@jessvschidinma]

Very helpful. Thank you!

[@RyanBrown01]

Glad to hear it help! Best of luck!

[@atulupmanyu9231]

How do I calculate a rate of return when payments and nper is different? E.g outflow of 100000 for 5 years and fv of 940000 in the seventh year?

[@vivnkalsi]

I tried to plugin the same values in the calculator but I am not getting the same results. I am getting difference of 5000 every time. Is it because of the calculator or the method of putting the values in the calculator

[@manishtulsiani5943]

FV(0.08/365,10*365,8) can this be calculate in this calculate, how please?

[@thienuzumakiclan]

Hello! I got the same calculator as yours, but I got different answers. Could you please help me out?

[@mikeav7083]

Can you do an example about how to calculate the PV from a FV projection for an investment over 20 years ahead that is $ 1 million dollars, please ? The intention is to know how much real money this is in the present if we start investing today for our retirement. The final accumulative amount after 20 years of investment would be used to generate monthly interest (i.e. 7% anual) and living from it until the last day of our lives.

[@omogenaija1]

How do you to NPV on the calculator? I thought I would find a video on your channel.

[@ryanbrown5985]

Thanks for the comment. I'll do that video next.

[@saebdahalan3054]

Thank u ❤ very clear explanation

[@alienaliens146]

Was it for stocks?

[@kennyfuentes23]

Nice bro keep it up !! . You should do more complicated problems

[@bryanlee9175]

I calculated the present value for the second question to be $94,090 instead of $94,259.59 though. Is this working correct? PV=(1-d)^t × FV = (1-0.03)^2 × 100,000 = $94,090

[@milenadeltorto7158]

Why am I getting (in last exercise) -99501.87?

[@ryanbrown5985]

Inputting 0.25% for I/Y will get you the result you mention above. Some calculators default to dividing the rate by 12 for monthly compounding, and it just so happens that 3/12 = 0.25, so I am sure this is what happened here. If you did not purposefully enter 0.25% in for I/Y, check the settings on your calculator. The BAII plus should not default to divide the rate by 12, so resetting the calculator to the factory settings should fix it. Sorry for the late reply. I'm sure you already figured this out by now.

[@milenadeltorto7158]

@@ryanbrown5985 thanks!

[@raccoon874]

*my BAII Plus gives me a different total for both of these examples, and any other example I try to replicate*

[@raccoon874]

Nevermind, I reset the calculator to factory - *[2nd] [+/-] [ENTER]*

[@Veronicasharma]

I was having the same issue. Thanks "resetting" was helpful.

[@_sweater.weather_169]

My calculator spits out a different answer even when I follow step by step any help

[@massfrank]

Very Nice Explanation

[@IsabellaTsurkan]

THANK YOU! I WISH U THE BEST!

[@kingdomknightzz]

Well done brother, thank you!

[@neetubinwani7111]

For the second question, I got 94,183.51 - can you pls help?

[@kingdavid7503]

Exactly what I needed

[@blessedbythebest24_7]

Hi, for an example if PV =410.71, FV=1817.91, NUMBER OF PERIODS =17, HOW CAN I FIND THE INTEREST RATE ON A TI83PLUS CALCULATOR? Thanks

[@ryanbrown5985]

Sorry for the late reply. You would get this by entering: -410.71 [PV] 1817.91 [FV] 17 [N] 0 [PMT]

[@patrickdurdenman7221]

God bless you sir

[@victormoisesgalvan1596]

Can you do something on annuities?

[@ryanbrown5985]

Thanks for the recommendation!

[@danielsalumu2654]

Very helpful, thank you sir

[@spdhaliwal5931]

Hi Ryan i am trying to calculate the PV of a 20,000 FV zero-interest bearing note with 8% interest rate. i am not getting right answer. can you please help.

[@ryanbrown5985]

Enter this: 20000 [FV] 8 [I/Y] 0 [PMT] Number of years [N] [CPT] [PV] NOTE: You did not indicate how many years until maturity in your comment. You will need to know this and enter it just before [N] above. For instance if N is 5 years, you should get PV = $13,611.66. Remember DO NOT use 0.08 for the rate. Use 8. This is a common mistake. Hope this helps!

[@spdhaliwal5931]

@@ryanbrown5985 term was 9 months

[@ryanbrown5985]

​@@spdhaliwal5931 When calculating PV of fixed income securities that have maturities of less than 1 year, the quoted price will depend on the day-count convention used for that particular security type. So you will need to know what type of security it is (T-bill, commercial paper, Repo, etc.). Once you know this, you will need to look up the day-count convention for the particular security you are trying to price, and use the appropriate formula for that day-count convention. I do not use the TVM function on the calculator when answering questions about price or rates of fixed income securities with maturities of less than 1 year. In those cases I use the appropriate formula directly. If this is for a class, your professor may provide you the appropriate convention for the security, or you may need to find it on your own. Here is an article about day-count convention. www.investopedia.com/terms/d/daycount.asp Hope that helps. I'll try to add more info a little later.

[@spdhaliwal5931]

@@ryanbrown5985 thanks a lot for ur help.

[@ConorKeenan-h5t]

Fantastic video. Thank you!

[@야옹이-i7q]

It was very helpful. Thank you so much.

[@mikeav7083]

Gracias !!!! Me has resuelto mi duda.