This calculator has 12 useful routines 
specially designed for Bank of Montreal users.  

Details on all the routines, including the RSP/RRIF routine are in the Users Guide

See 634C Support for information on changing the batteries or to download a copy of the User's Guide.

RSP/RRIF Planning Routine

Compute the fund balance from a series of contributions and/or a lump-sum starting contribution.

Interest can be compounded annually, semi-annually, quarterly, semi-monthly, biweekly, weekly or daily.

Contributions and withdrawals can be annual, semi-annual, quarterly, semi-monthly, biweekly, or weekly.

Finds the fund balance at retirement age, and the interest earned and total contributions over the contribution phase.

Finds the maximum withdrawals that can be taken over a specified time period.

Rework and Backup function keys allow you to compare difference scenarios.

For full details, see the 634C User's Guide.

Personal Loan Routines

Compute payments and personal loans with the new PLP monthly outstanding balance credit insurance rates effective April 28th, 2002.

Compute insurance premium rebates on older Personal Loans (those written prior to May 1999).

Compute Residual Value Loans - special routine for Quebec.

Compute interest rate buydown amounts and interest differential amounts.

Compute the Total Debt Service and maximum personal loan available based on a borrower's income.

Mortgage Loan Routines

Compute payments and mortgages for a variety of payment frequencies and interest rate terms with the new insurance rates effective April 28th, 2002.

Compute interest rate differentials.

Compute blended interest rate - Portable Mortgage.

Compute CMHC fees, required downpayment and mortgage amount.

Compute an Equivalent Future Rate (EFR) to assist borrowers in selecting shorter or longer interest terms.

634C Support

Handheld Calculator Battery Replacement

List of Software Updates

Replacement User's Guide

To change batteries, you should first have the replacement batteries at hand (two CR2032 Lithium batteries are required) and a small screwdriver to remove the two screws on the back of the calculator. Make sure you install the new batteries with the same orientation (plus and minus) as the original batteries (this is also shown on a diagram on the inside of the back cover). 

The CR2032 battery is available at Radio Shack stores, camera stores or departments, and other places that sell small batteries.  It is round, about 0.75 inches (19 mm) in diameter and 0.125 inches (3.175 mm) thick.

Click here for detailed Instructions on changing the handheld calculator batteries (instructions are also in the User's Guide).

You will have to configure the calculator after replacing the batteries.  See Instructions to Install and Configure a new Software Card.

To view the the User's Guide, click 634C User's Guide. 

This is a list of the most recent changes together with the date they were made and the software Series number.

The most recent version is at the top of the list.