THIS WILL CALCULATE: If you loan money and receive equal periodic payments and a lump sum balloon payment, this will calculate your rate of return.

EXAMPLE: You are willing to loan me $35,000. I will pay you back at $600 per month for 5 years, and also pay you $10,000 at the end of the 5th year. What is your rate of return?

Please note:  The    key changes the 35000 to a negative number.  With the HP12C all cash outlays should be entered in as a negative number.  The result of .77 is a monthly return on investment.  You must multiple by 12 to get your annual return of 9.29.