HP 12C Financial Calculator


HP 12C Calculator, Financial Programmable Calculators

A time-tested performer, the HP 12C calculator has an easy-to-use layout, one-line LCD display and efficient RPN data entry. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Over 120 built in functions. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams, and GARP FRM Exam.

  • Calculator with built-in financial functions and statistics
  • Uses Reverse Polish Notation (RPN)
  • More than 120 built-in functions, including register-based cash-flow analysis
  • 10-character, 1-line LCD display
  • Device measures 5.0 x 0.6 x 3.1 inches (WxHxD)
  • Pocket size
  • Thorough and simple instruction manual
  • Competitive price

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Special Designed for Real Estate, Banking, Finance, Business Studies, and Accounting

The HP 12C calculator functions include all the basics such as calculating APR, NPV, and IRR--and statistics are a snap. For students new to financial calculators, this is an excellent place to start. For the most part, the manual reads like a minitextbook, walking you through sample problems and situations followed by graphs and tables demonstrating the technique and you can even check your results.

The section on creating programs does seem to be written for the technically ignorant, addressing in detail how you could possibly benefit from using programs, but it'll still help you get the job done.

In general, it's a bit slower than newer models, just like last year's computer isn't as speedy as today's new release. On the plus side, it's just 3 by 5 inches and slips easily into a pocket. The bottom is printed with a few little cheat notes for common functions, which is nice for quick reference. The HP 12C's one-year warranty and available tech-support line offer reassurance this little workhorse will continue to be an industry standard for years to come.

User Reviews

User: F.A.
User Rating: ★★★
I just got my calculator. I used HP12C calculator before so I know it. The post is not about whether this calculator is better than others. This post is about my particular online order. My order was shipped with batteries in (great), a case (super) and two manuals for using calculator in Spanish (????). If at least one of those manuals was in English, I would give my order 5 stars.


User: Jcmiller
User Rating: ★★★★★
HP12C is a great financial calculator. As an investment advisor I use the HP12C financial calculator a great deal. I ordered it from Staples and received it e next day I was replacing an old one I had wanting to have a nice shiny ones to use with my clients. While it does an incredible amount of financial calculators I particularly use present value, future value and payment functions.

If I pay this much now and this much over time how much will that grow to with different rates of return? Calculating rates of return is easy. Calculus, yield to maturity, amortization and so much more. All this at an incredibly low price. I've been using this calculator since 1975. There's none better.


User: Ron S
User Rating: ★★★★
I love my HP12c and have bought several over the years. The reason I give 4 stars out of 5 is because they only seem to last 2-3 years until the battery goes dead and, although replacing the battery is an easy fix, I have never had an HP12c work properly once the original battery dies. I believe a calculator in this price range should last longer than one battery span, but I can not get myself to stop replacing them due to their great function abilities.


User: Georgio55
User Rating: ★★★★★
This is my third device since I was in college and I just turning 61. It is the standard must have if you are a finance nerd. My previous one I bought to study for the CFP exam and it was stolen from my car. Assume it is still working somewhere. Takes a while to get back into the RPN mode, but I love it....


User: MySquareFeet
User Rating: ★★★★★
What can I say, I've used these for 20 years and I've either lost or burnt out 3 before this and now I just purchased number 4 without a second thought. The old ones were gold, but this is platinum, but it seems to work the same. The case is much nicer than those in the past. It's just a great financial calculator. If you are a newbie to these calculators, you should find the instruction manual. Previously, it came with the calculator, now I suppose you download it or buy it separately. It is worth investing the time to learn how to use them, they do a lot more than add and subtract!


User: kid siegel
User Rating: ★★★★★
best financial calculator ever. my good friend since 1987 although i can see they are bring phased out. reverse polish is the way to go but the millenials think their cellphone works as well. stupid kids


User: Barbara B.
User Rating: ★★★★★
I carried an HP calculator similar to the HP 12c calculator for 35 years. Just changed the batteries when needed.
Hope this product measures up to my old one.


User: Christopher I.
User Rating: ★★★★★
A great iconic product from HP. If you like "RPN Logic" calculators, you will like this HP product. I have used these "RPN" HP calculators for years and this product is no different. Besides financial applications, this calculator will be highly useful for everyday as well as statistical tasks. You will not be disappointed with this product!.


User: Harald Modis
User Rating: ★★★★★
I used to buy this machine decades ago and lost it somewhere. I don't remember about quality and speed, but this is the most comprehensive machine allowing you to do compelx financial calculations.


User: superduper
User Rating: ★★★
Horrible quality. Taking the CFA exam in June and am perplexed as to what to do. Don't like the TI and do have one of these from the 80's which works perfect but is super slow compared to the newer one I have. The newer one has buttons that don't compute, they're sticky and I end up having to recompute problems from scratch. F'ing pathetic HP, just like your laptops which also breakdown pretty quickly.


User: BostonChic35
User Rating: ★★★★★
Not happy about this, but since I've memorized the key strokes I should be okay for my exam, but my dad has had his for 30+ years and his haven't worn off so not sure what gives. Calculator functions fine.