HP 12C Financial Calculator - Black/Gold

There are many GBs of web pages devoted to the HP12c. Suffice it to say this is a brilliant financial calculator and I recommend it to anyone working in finance or banking. Yes, the spreadsheet is much more powerful and thanks to our phones, very portable. But this is designed to fit in your short pocket.The level of design is immense. The HP 12c has remained in production since 1981 and the user interface is unchanged. However, this version of the HP12c is super fast (it unofficially referred to as the HP12C+).The original physical technical architecture no longer exists so the software runs on an ARM chip. The batteries may not last as long (we are talking months… not daily recharging!) but I will take the speed any day.These calculators do not come with a manual but you can download the VERY comprehensive manual from the web. There is also an advanced manual called the solutions manual. These books are mini finance courses which introduce you to the HP12c.The calculator uses RPN. If you have used it, you will love it. If not, it is odd… but no one will ever take your calculator at a meeting. You need to learn RPN (there are videos to explain) but if you work through the instructions you will do that in no time… the trouble will be going back (it is faster than conventional calculations).You can write simple keystroke programmes for this calculator. This can be useful but in all of my years of using the HP12C, I have not written any elaborate programmes. These calculators can be “flashed” with a special cable (there is a socket in the battery compartment). I have not done this so I cannot comment on the process.The build quality is very good. These calculators are made in the Philippines. For this price, the HP12C is amazing value.

Best calculator ever for individuals in finance. Bought my first one some 20 years ago while in college

Excellent, great replacement for my old one from 1990.

The gold standard in financial calculators! It came out in the 1980s (along with the HP-15C scientific calculator which I don't think is available). I am delighted that the HP-12C is still manufactured. And now it is a fraction of the price it once was. If you want a pocket calculator to work financial problems like PV, FV, PMT, IRR, etc., this is the best one I have ever used. Fact that it is still popular after half a century tells you a lot!

HP12C for the win! If you need a financial calculator, this is the one!

My First 12C endured 31 years of use and abuse, I expect this one will outlive me.

Nostalgically good. People may be able to determine your age if you use this calculator.

Needed a RPN calculator. Unfortunately HP quality is going down hill. Buttons stick at times.