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ok. This is a mysterious. I've reset my ancient HP 12c from probably 30 years ago which I got as a young research analyst. Doing the following calculation: PV: 5000
Solving for N.
Inputting as follows: (1) 5000 (2) CHS (3) PV, (4) 10000, (5) FV, (6) 5, (7) i, (8) 0, (9), PMT, (10) n. I'm getting: 15. But the right answer is 14.2.
The 12c will always round 'n' to the next integer, therefore there are no 'partial' payments.
for a discussion about this, and see https://web.archive.org/web/20190322213838/https://support.hp.com/us-en/document/bpia5043 for a program provided by HP to calculate fractional n.
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