The tip calculator is shown in Figure 16. Following the instructions given on the screen, the buttons are used to input the bill amount, the target tip percentage and the number of people who will split the bill. There are two options available via the Settings tab. The first option, Payment Rounding, when checked (the default), allows that, in the case where the bill cannot be split exactly between all of the people sharing the bill, all of the people except one will pay a whole number (no cents) whereas the remaining person will pay a slightly higher number (including cents, if appropriate) to make up the balance. In the second option, Tip Rounding, there are 4 modes to choose from: 1) No Rounding (the default), 2) To Multiples of 1.00 - the tip is rounded up to the nearest whole number, 3) To Multiples of 5.00 - the tip is rounded to the nearest 5 whole number - i.e. if 5 or over will round up to 10, whereas if under 5 will round up to 5 - i.e 7 will round up to 10, whereas 4 will round up to 5, 4) To Multiples of 10.00 - the tip is rounded to the nearest 10 whole number - i.e. if 5 or over will round up to 10, whereas if under 5 will round down to the next nearest multiple of 10 - i.e. 15 will round up to 20, whereas 14 will round down to 10. The status of each of the options chosen is shown on the Tip Calculator screen
The loan calculator is shown in Figure 17. Following the instructions given on the screen, the buttons are used to input the loan amount, the annual interest rate and the term of the loan in years following which the monthly payment required to pay off the loan will be displayed together with the total interest to be paid and the total amount that will be repaid.