Question: how to calculate pvifa and pvif?
Answer: Convert 12% into decimal part = 12/100 = 0.12.
Add 1 to it = 0.12 + 1 = 1.12.
Now, just press “1/1.12” and press “=” as many times as the number of years (here 4 times)
You got the answer (PVIF) – 0.6355. ... 
Press the GT (Grand Total) button on the Top Left side.
You got the answer (PVIFA) – 3.0373.