12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)

I have been using the HP 12C for over 20 years, and its enduring quality is absolutely legendary—my original units are still working perfectly today. This calculator is a durable, reliable workhorse that covers all the critical functions needed for finance: Time Value of Money (TVM), NPV, IRR, Amortization, and Bond Calculations.Comparing it to modern devices, it's interesting to note how much faster technology has become. On older HP 12C models, running complex calculations like the Internal Rate of Return (IRR) would often display the "running" indicator for a noticeable period. The newer calculators are so incredibly fast that this indicator no longer appears, completing the task almost instantaneously—a small detail that highlights the HP 12C's incredible tenure in the market.The most important thing to note before purchasing is the requirement to use Reverse Polish Notation (RPN). This is a different input method than the standard algebraic method you might be used to. Instead of typing "2 + 2 =", you input the numbers first and then the operation: "2 [ENTER] 2 [+]." There is a learning curve, but once mastered, RPN is far more efficient and reduces the chance of input errors. It’s what makes the 12C a favorite among financial professionals.This is a fantastic, indispensable tool that I highly recommend for anyone serious about personal finance or real estate.

The HP12C delivered was excellent. I ordered, based on the Product Information on Amazon website, HP12C of original model/spec which has the HEWLETT-PACKARD logo on the lower-left of the front panel and requires 3 LR44 batteries. But the one delivered was of the current model, which requires two CR2032 batteries, and such logo was missing.

This thing functions great. Exactly what I needed for class.That being said, this I hate this calculator and wouldnt recommend it to anyone unless they are required to use it.

Bought my first Hp12c in 1991 (35 years ago) and while it still works, some keys are worn and sticking or slow to respond sometimes. Decided to put it to rest and bought a new one. Only calculator I will use. Highly recommend! Ordering & delivery was tops!!

I am a loyal HP customer for more than five decades. They make wonderful calculator products. Referring to both the scientific ones and the business ones.

A piece of junk. I've been using HP calculators almost since they were invented. I have Reverse Polish Notation in my blood. That's why, when my HP15C gave up, I bought another HP. This version doesn't have any key to back up one stroke. If you enter an error, you have to clear the register and start over. Who the heck left out the back stroke key? On top of that, you will make a lot of errors. The keyboard is too tight or something. Sometimes you have to hit a key repeatedly to get an entry. A lot of us have used HP for a long time but stay away from this one.

Excelente

Entrega puntual, hasta este momento todo bien, faltó el manual que traía en años anteriores.

Produto chegou no prazo correto.

Produto de ajuda do dia a dia. Material de excelente qualidade.

計算機としての機能は十分であるものの、最近、液晶表示の右から４桁目の液晶の8本のバーのうち、2本が表示されなくなった。落下等の衝撃を与えたことはないので、単純な劣化と考えられるが、部品の耐久性に問題がある。

llegó a tiempo, bien empacada, sin ningún rasguño, funcionando bien, baterías en buen estado; en resumen tal y como la esperaba, igual a la que estuve utilizando con mucho éxito y por bastante tiempo hace mas de 40 años y que solo le tuve que cambiar las baterías después de 10 años de uso continuo, la que de no haberla extraviado aun la tendría.EXCELENTE PRODUCTO.

The HP12C is legendary for a reason. It remains the gold standard financial calculator for anyone wishing to learn how to use it. I can't think of many other products that have remained unchanged after 36 years of continuous production. In a moment of weakness some years ago I purchased the 12C Platinum. Never again, I quickly swapped back to the 12C this purchase replaced (and only because my bag was stolen on a train just before Christmas). The 12C is not just for oldies on a nostalgia trip, learning/using RPN and manipulating the stack is a productive mental work out in its own right. I think HP have addressed the quality issues that plagued some machines a few years ago. Mine has a solid feel to it and the keys have that positive 'i've pushed it' feed back sensation. The enter key works wherever on the key it is pushed. Personally I find the display easier to read than the 12C Platinum, but this may not be the case for everyone. From experience I know the 12C has a tremendously long battery life measured in years (between 3 and 5 according to use) augmented by a built in turn off function after around ten minutes of inactivity. The landscape orientation of the keyboard ensures much greater stability when holding to use versus the all but ubiquitous portrait format style of other calculators. This feature greatly reduces the risk of keystroke error when the machine is not being used while placed on a desk top surface for example. The housing or body of the HP12C has an inherent slope as it is thicker at the top than at the bottom. This makes the LCD display clearer and crisper to read. I found the slightly sepia LCD display background deals with office lighting glare better than the blue/grey backgrounds normally found on other calculators and also HP's 12C Platinum. It probably sounds a bit geeky to bang on about a calculator but if you do have to use one, you owe it to yourself to own one that at the very least you can enjoy at the same time. HP12C £49.99 - the look of confusion on a colleagues face "just borrowing your calculator err where's the = button, umm how does this work" - PRICELESS.