INTRODUCTION
The foundation of AC Calc is a calculator with basic arithmetic functions. Users can
selectively add one or more plug-in functions on the top of the foundation. The following figure depicts how AC Calc works.

Figure 1. Architecture of AC Calc
This user guide describes the basic usage of AC Calc, including Common Keys and Menus. It also provides detailed explanations of Plug-In functions through
the use of examples.
COMMON KEYS
1-9, 0, . |
Enter numbers and decimal point |
+ - × ÷ |
Enter arithmetic operations just as they are
written, from left to right.
Note that × and ÷ have precedence over +
and -, that is, × and ÷
calculations are performed before + and - ones |
AC |
Clear all displayed calculations or
values |
C |
Clear the number which is currently
displayed |
+/- |
Click immediately after inputting a value to
change its sign |
MENUS
Click the Menu button to invoke the Edit,
Mode or Plugins menus.
Edit
Copy and Paste
Copy and paste to and from other applications.
Sum Clipboard
This tool allows users to sum numbers from other sources, e.g., Memo, without re-inputting
the numbers manually. Moreover, a character, for example $, can be specified such
that only numbers preceded by the character will be included in the summation.
Example
To sum all dollar amounts in a memo.
- Select relevant contents from the memo and copy it to the clipboard.
- Invoke AC Calc, click the Menu button and select the Mode menu. Choose
Options and enter '$' in the Add number begin with field.
- Select the Edit menu. Click Sum Clipboard.
Mode
Select the Mode menu.
Degrees/ Radians/ Gradients
Select to represent angles in either degrees, radians or gradients.
Refer to Trigonometry of this user guide for usage.
Normal/ Scientific/ Fixed
Select to display decimal numbers in either normal, scientific or fixed mode.
- Normal: With exact number of decimal places
- Scientific: In exponential form
- Fixed: With fixed number of decimal places
(Specify desired number of decimal places in the
Options Menu)
Examples
Operations |
Display |
Calculations in normal mode |
123.456 x |
123.456 |
9.9 = |
1222.2144 |
Calculations in scientific mode |
123.456 x |
123456e02 |
9.9 = |
1.2222144e3 |
Calculations in fixed mode
(where #decimals=2) |
123.456 x |
123.46 |
9.9 = |
1222.21 |
Bin/ Oct/ Dec/ Hex
Select to perform binary, octodecimal, decimal or hexidecimal calculations. Users may also
convert numbers from one representation to another.
Examples
Operations |
Display |
Enter number in binary mode |
Select from Mode Menu Bin, 101010 |
101010 |
Arithmetic calculations |
+ 101 * 100 = |
111110 |
Convert to decimal |
Select from Mode Menu Dec |
62 |
Convert to hexidecimal |
Select from Mode Menu Hex |
3E |
Convert to Octodecimal |
Select from Mode Menu Oct |
76 |
Switch to normal mode |
Select from Mode Menu Normal |
62 |
Calculations under Bin/ Oct/ Dec/ Hex modes are limited to integers. No decimal points or
fractional parts are allowed. Users should select from the Mode Menu Normal/ Scientific/
Fixed to resume calculation of non-integer numbers.
Note: To input hexidecimal numbers, the
Programmer plug-in must be installed.
Options ...
- An alternate method to switch between Normal, Scientific and Fixed Modes
- Specify preferred number of decimal places in Fixed Mode
- Select whether comma separator is preferred
- An alternate method to switch between Degree, Radian and Gradient Modes
- Selectively Specify preceding character for the Sum Clipboard function
Plugins
Click Delete from this Menu to delete one or more plugins from your palm pilot.
PLUG-IN FUNCTIONS
Click the area showing the Current Plug-In function to invoke the Pop-Up Menu.
This section explains the usage of each Plug-In Function through examples .
Please note that all numbers are represented in Normal mode unless otherwise specified.
Area
Select from Pop-Up Menu Area to convert areas among different measuring units.
 |
Units |
Basic Definition |
in2 |
square inches |
ft2 |
square feet |
yd2 |
square yards |
acre |
acres |
mil2 |
square miles |
mm2 |
square milli-meters |
cm2 |
square centi-meters |
m2 |
square meters |
ha |
hactares |
km2 |
square kilometers |
|
Example
How large is a 2.3-acre farm when expressed in square feet?
Operations |
Display |
Clear |
AC |
0 |
Input number of acres |
2.3 acre |
2.3 |
Convert to square feet |
ft2 |
100,188 |
General
Select from Pop-Up Menu General.
 |
|
Basic Definition |
Mac |
Clear memory location no. 1 |
Min |
Store in memory location no. 1 |
M+ |
Add to memory location no. 1 |
M- |
Minus from memory location no. 1 |
M |
Retrieve from memory location no. 1 |
Abs |
Absolute value |
Mod |
Modulus |
Int |
Intergral part |
Frac |
Fractional part |
Ran |
Random number |
 |
pi |
% |
percentage |
|
Examples
Operations |
Display |
Absolute value of 100 minus 999 |
100 - 999 = Abs |
899 |
Modulus of 100 divided by 7 |
100 Mod 7 = |
2 |
Integral part of  |
Int |
3 |
Fractional part of  |
Frac |
0.1415926535898 |
Examples
Given a circle with radius = 5 units, calculate the length of its circumference.
Operations |
Display |
Enter  |
 |
3.1415926535898 |
Times radius, times 2 |
× 5 × 2 = |
31.415926535898 |
Interest
Select from Pop-Up Menu Interest to perform compound interest calculation.
 |
Variables | Basic Definition |
PV |
Present value
principal or loan amount on start date |
FV |
Future value
principal plus interest at maturity |
PMT |
Payment amount
instalment amount |
n |
Term
number of compound interest periods |
i% |
Interest rate
interest rate per term |
Functions |
Basic Definition |
Rcl |
Recall
show the current values of all variables |
Clr |
Clear
reset all variables under Interest Plug-In |
BGN |
Beginning of term |
×12 |
Multiply inputted number by 12 |
÷
12 |
Divide inputted number by 12 |
Amo |
Amortization
view principal amount, interest amount and outstanding balance of each installment until
maturity |
Cal |
Calculate
followed by variable the value of which is to be
calculated |
|
Remarks:
To represent amounts such as PV, FV and PMT, +ve numbers indicate cash inflows (i.e., receiving money) while -ve numbers indicate cash outflows (i.e., paying money).
Three types of compound interest calculations:
Note that numbers in this section are represented with 2 decimal places.
Savings
The formula FV = PV * (1 + i%)n is applied. Enter the values of three out of the four variables and AC Calc will calculate the remaining variable.
To calculate:
Example 1
Calculate the total principal and interest after 4 years for a principal of $50,000 at 10%, compounded annually.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Principal amount |
50000 +/- PV |
-50,000 |
Interest rate |
10 i% |
10 |
Term |
4 n |
4 |
Calculate |
Cal FV |
73,205 |
Example 2
Calculate the total principal and interest after 4 years for a principal of $50,000 at 10%, compounded monthly.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Principal amount |
50000 +/- PV |
-50,000 |
Interest rate |
10 ÷
12 i% |
0.83 |
Term |
4 ×12 n |
48 |
Calculate |
Cal FV |
74,467.70 |
Example 3
Calculate the principal required at 7%, compounded annually, to attain a total of $1,000,000 in 20 years.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Interest rate |
7 i% |
7 |
Term |
20 n |
20 |
Total of principal and interest |
1000000 FV |
1,000,000 |
Calculate principal required |
Cal PV |
-258,419.00 |
Example 4
Calculate the interest rate required, compounded annually, to attain a total of $10,000 in 10 years on an initial investment of $6,000.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Initial principal |
6000 +/- PV |
-6,000 |
Term |
10 n |
10 |
Total of principal and interest |
10000 FV |
10,000 |
Calculate interest rate |
Cal i% |
5.24 |
Example 5
Calculate the number of years needed to increase an initial investment of $5,000 to a total of $10,000 at an annual interest rate of 5.6%, compounded monthly.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Initial principal |
5000 +/- PV |
-5,000 |
Total of principal and interest |
10000 FV |
10,000 |
Interest Rate |
5.6 ÷
12 i% |
0.46 |
Calculate term (no. of months) |
Cal n |
149 |
Calculate term (no. of years) |
÷12 |
12.42 |
Instalment Savings
The total principal and interest (FV) that the depositor receives at maturity of an instalment savings depends on the interest rate (i%), term (n) and instalment amount (PMT). Enter the values of three out of the four variables. AC Calc will calculate the remaining variable.
In addition, user may indicate whether payment is made at end of term or beginning of term.
To calculate:
Example 6
Calculate the total of principal and interest for $250 monthly deposits for 5 years at 6% annual interest, compounded monthly. Assume that payment is made at end of each month.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Term |
5 ×12 n |
60 |
Interest Rate |
6 ÷
12 i% |
0.50 |
Instalment Amount |
250 +/- PMT |
-250 |
Calculate total principal and
interest |
Cal FV |
17,442.51 |
Now, assume that payment is made at beginning of each month.
Operations |
Display |
Beginning of term |
BGN |
(no change) |
Calculate total principal and
interest |
Cal FV |
17,529.72 |
Example 7
Calculate amount required for each instalment to achieve a total of $500,000 in 10 years at an interest rate of 6%, compounded monthly.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Term |
10 ×12 n |
120 |
Interest Rate |
6 ÷
12 i% |
0.50 |
Total principal and interest |
500000 FV |
500,000 |
Calculate instalment amount |
Cal PMT |
-3,051.03 |
Beginning of term payment |
BGN |
(no change) |
Calculate instalment amount |
Cal PMT |
-3,035.85 |
Example 8
Calculate the number of $84 instalment required to attain an amount of $6,000 at an annual interest rate of 6%, compounded monthly.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Interest Rate |
6 ÷
12 i% |
0.50 |
Total principal and interest |
6000 FV |
6,000 |
Instalment amount |
84 +/- PMT |
-84 |
Calculate term (no. of months for end of term
payment) |
Cal n |
62 |
Beginning of term payment |
BGN |
(no change) |
Calculate term (no. of months for beginning
of term payment) |
Cal n |
61 |
Example 9
Calculate the annual interest rate required to attain an amount of $100,000 in 10 years with $600 monthly instalment. Assume end of term payment.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Total principal and interest |
100000 FV |
100,000 |
Instalment amount |
600 +/- PMT |
-600 |
Term |
10 ×12 n |
120 |
Calculate interest rate (per
term) |
Cal i% |
0.52 |
Annual interest rate |
×12 |
6.31 |
Example 10
Calculate the total principal and interest after 1 year for an instalment savings account opened with an initial deposit of $1000 and $600 additional monthly deposits at an interest rate of 4.5%, compounded monthly.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Initial Deposit |
1000 +/- PV |
-1,000 |
Instalment amount |
600 +/- PMT |
-600 |
Term |
12 n |
12 |
Interest rate |
4.5 ÷
12 i% |
0.37 |
Calculate total principal and
interest |
Cal FV |
8,396.31 |
How if the additional monthly deposits is $500 instead of $600?
Operations |
Display |
Instalment amount |
500 +/- PMT |
-500 |
Calculate total principal and
interest |
Cal FV |
7,171.25 |
Instalment Loans
Total loan amount at present (PV) is to be repaid by constant instalments (PMT) until maturity. The instalment amount depends on the interest rate (i%) and term (n). Enter the values of three out of the four variables and AC Calc will calculate the remaining variable.
Again, user may indicate whether payment is made at end of term or beginning of term.
To calculate:
Example 11
Calculate how much can be borrowed on a 20-year home mortgage loan at a 9.5%
annual interest rate, if $15,000 can be repaid per month. Assume end of term
payment.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Term |
20 ×12 n |
240 |
Interest Rate |
9.5 ÷
12 i% |
0.79 |
Instalment Amount |
15000 +/- PMT |
-15,000 |
Calculate total principal and
interest |
Cal PV |
1,609,215.55 |
How if the interest rate is 10.25% instead?
Operations |
Display |
Interest Rate |
10.25 &
;
12 i% |
0.85 |
Calculate total principal and
interest |
Cal PV |
1,528,049.82 |
Example 12
Calculate the monthly instalment amount for a 18 year $3,000,000 home loan at
8.75% per annum. Assume end of term payment.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Term |
18 ×12 n |
216 |
Interest Rate |
8.75 ÷
12 i% |
0.72 |
Loan amount |
3000000 PV |
3,000,000 |
Calculate total principal and
interest |
Cal PMT |
-27,626.71 |
Example 13
Calculate the number of years it will take to repay a $200,000 loan borrowed at
9.0% interest, with monthly payment amount being $5,000. Assume end of term
payment.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Payment amount |
5000 +/- PMT |
-5,000 |
Interest Rate |
9 ÷
12 i% |
0.75 |
Loan amount |
200000 PV |
200,000 |
Calculate term (no. of month) |
Cal n |
48 |
Example 14
Calculate interest rate on a 18-year $2,650,000 loan repaid with $18,000 monthly
payments. Assume end of term payment.
Operations |
Display |
Reset variables |
Clr |
(no change) |
Payment amount |
18000 +/- PMT |
-18,000 |
Term |
18 ×12 n |
216 |
Loan amount |
2050000 PV |
2,050,000 |
Calculate interest rate (monthly) |
Cal i% |
0.67 |
Interest rate (yearly) |
×12 |
8.05 |
Length
Select from Pop-Up Menu Length to convert lengths among different measuring units.
 |
Units |
Basic Definition |
mil |
Mils |
in |
Inches |
ft |
Feet |
yd |
Yards |
mi |
Miles |
nmi |
Nautical miles |
u |
Microns |
mm |
Milli-meters |
cm |
Centi-meters |
m |
Meters |
km |
Kilo-meters |
au |
Astronomical Units |
|
Example
How long is 3 yards when expressed in meters?
Operations |
Display |
Clear |
AC |
0 |
Input number of yards |
3 yd |
3 |
Convert to meters |
m |
2.74 |
Math
Select from Pop-Up Menu Math to use mathematical functions.
 |
Functions |
Basic Definition |
X2 |
Squares |
Xy |
Powers |
10x |
Ten to the power x |
ex |
Exponential |
X! |
Factorials
e.g., 5! = 5x4x3x2x1 |
nCr |
Combination
= n! * (n-r)! / r! |
 |
Square roots |
 |
Roots |
log |
Logarithms |
ln |
Natural logarithms |
1/X |
Reciprocals |
nPr |
Permutation
= n! / (n-r)! |
|
Examples
Operations |
Display |
123 + 302 |
123 + 30 X2 = |
1,023 |
5.62.3 |
5.6 Xy 2.3 = |
52.58143837 |
100.4 + 5*e-
3 |
0.4 10x + 5 x 3 +/- ex
= |
2.760821773 |
8! |
8 X! |
40,320 |
6C3 |
6 nCr 3 |
|
2 +
3 * 5 |
2
+ 3
× 5
= |
5.287196908 |
7
123 |
123
7 = |
1.988647795 |
log 1.23 |
1.23 log |
0.089905111 |
ln 90 |
90 ln |
4.49980967 |
1 1 _ 1
3 4 |
3 1/X - 4 1/X = 1/X |
12 |
6P3 |
6 nPr 3 |
|
Memory
Select from Pop-Up Menu Memory to store values to memory locations.
 |
Variables |
Basic Definition |
K1 - K11 |
Memory locations |
Function |
Basic Definition |
Sto |
Store value to a memory location |
|
Examples
Operations |
Display |
Store 5.678 to K1 |
5.678 Sto K1 |
5.678 |
Store 1.02 to K2 |
1.02 Sto K2 |
1.02 |
Multiply K1 by K2 |
K1 x K2 = |
5.79156 |
Calculate square of K1 |
K1
Select from Menu Math X2 |
32.239684 |
Option Price
Select from Pop-Up Menu Option Price for the Black Schole option pricing model.
 |
Variables |
Basic Definition |
S |
Stock price |
X |
Exercise price (Strike price) |
t |
Time to expiration (no. of years) |
r |
Risk-free interest rate (%) |
s |
Standard deviation of stock prices from their
average |
|
Functions |
Basic Definition |
Call |
Price of a call option |
Put |
Price of a put option |
Examples
Operations |
Display |
Stock price |
58 S |
58 |
Exercise price |
60 X |
60 |
Time to expiration |
0.5 t |
0.5 |
Risk free interest rate |
3.5 r |
3.5 |
Standard deviation |
5.05 s |
5.05 |
Price of the call option |
Call |
8.7458070712253 |
Price of a put option |
Put |
|
Programmer
Select from Pop-Up Menu Programmer to perform bitwise operations and input hexidecimal numbers.
Users must select either Bin, Oct, Dec or Hex mode to use the functions in this plug-in.
 |
Functions |
Basic Definition |
not |
|
and |
|
or |
|
xor |
|
<< |
Shift bits to left |
>> |
Shift bits to right |
|
Keys |
|
A to F |
Hexidecimal representation of 10 to 15
respectively |
Examples
Operations |
Display |
Switch to binary mode |
BIN |
|
101010 and 111000 |
101010 and 111000 |
101000 |
Shift to left by 2 bits |
<< 10 |
10100000 |
Statistical
Select from Pop-Up Menu Statistical to carry out statistical operations.
 |
Functions |
Basic Definition |
Xs
n |
Standard Deviation, n |
Xs
n-1 |
Standard Deviation, n-1 |
X |
Mean |
n |
Number of data items |
å
X |
Summation of all data |
å
X2 |
Summation of squares of all data |
Clr |
Clear all data |
Freq |
Enter a datum for a number of
times |
Dta |
Enter a datum |
|
Example
Calculate sum, mean and standard deviation for the following set of data:
13, 6, 8, 8, 8
Operations |
Display |
|
Clr 13 Dta |
3 |
|
6 Dta |
6 |
|
3 Freq 8 Dta |
8 |
Number of data items |
n |
5 |
Sum |
åX |
43 |
Mean |
X |
8.6 |
Standard Deviation, n |
Xs
n |
2.332380758 |
Trigonometry
Select from Pop-Up Menu Trigo to calculate trigonometric ratios.
 |
Functions |
Basic Definition |
cos |
cosine |
sin |
sine |
tan |
tangent |
cosh |
hyperbolic cosine |
sinh |
hyperbolic sine |
tanh |
hyperbolic tangent |
cos-1 |
arc cosine |
sin-1 |
arc sine |
tan-1 |
arc tangent |
cosh-1 |
arc hyperbolic cosine |
sinh-1 |
arc hyperbolic sine |
tanh-1 |
arc hyperbolic tangent |
|
Example
Operations |
Display |
sin 30° x cos 45° |
Degrees 30 sin |
0.5 |
|
x 45 cos |
0.707106781 |
|
= |
0.35355339 |
tan (100/3) |
100 ÷3 = |
33.33333333 |
|
tan |
0.657710346 |
Weight
Select from Pop-Up Menu Weight to convert weights among different measuring units.
 |
Units |
Basic Definition |
gr |
Grain |
oz |
Ounces |
lb |
Pound |
stone |
Stone |
cwt |
Hundredweight |
ton |
Ton |
mg |
Milli-gram |
g |
Gram |
kg |
Kilo-gram |
t |
Tonne |
|
Example
How many pounds are 50 kilograms?
Operations |
Display |
Clear |
AC |
0 |
Input number of kilograms |
50 kg |
50 |
Convert to pounds |
lb |
110.23113 |
For comments and enquiries, please write to me at
cwlou@kagi.com