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HP 12C Financial Calculator
|Price:||$66.99 & FREE Shipping. Details|
|You Save:||$3.00 (4%)|
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- 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)
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The HP 12C's 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. --Jill Lightner
- Pocket size
- Thorough and simple instruction manual
- Competitive price
- Calculates more slowly than modern machines
Calculator, user's manual, installed batteries and carrying case
Package Quantity: 1 | Style Name: Black/Gold
Top Customer Reviews
While other calculators have gone high-end and become curiosities of mathematics and graphics, HP's customers do not want to let go of the 12-C, despite the fact that HP has more powerful calculators at a slightly larger price. Here's why I think:
Just the right set of features. The average Joe using a financial calculator needs no more than the HP-12C provides.
Sturdy and strong. The keys have a wonderful feel.
Fits in a shirt pocket.
Very reliable. They've had two decades to iron out any bugs.
Large user base. Most financial courses will use this as the calculator of choice
Buy this calculator, if you need a financial calculator. You will not regret it -- I daresay that it will still be around when your kids need their own calculators.
There are other calculators available from HP such as the 10B for about a third the price and the 17B for about the same price. The 10B is inferior to the 12C and I see little reason to buy it. The 17B has greater functionality than the 12C, but I feel it is harder to master, harder to navigate, and it does not fit in a shirt pocket. However, the 17B does allow users to work in standard algebraic or RPN modes. The 12 works only in RPN (Reverse Polish Notation) which can be difficult to get used to. For example using RPN to add 1 and 2 you enter 1 <Enter key> 2 <Plus key>. In simple algebraic notation the key sequence is 1 <Plus key> 2 <= or enter key>.Read more ›
HP makes the best products on the market for financial calculators; better than TI's and far superior to the Casio. The HP 12C is an older (ca. 1980's) model calculator which was a directly positioned competitor to the TI MBA, but HP's entry was far superior. The keys feel more solid, the machine itself "seems" better made, and the replaceable batteries were much better and lighter than the TI's rechargeable. So, TI gave up on this competition. Now, HP has cannibalized its own line with a superior product at a lower cost.
Having worn out more than one of each, my experience has been that the HP 10B offers everything needed for the serious finance student, at just over half the price.
The HP 10B, as well the 12C, have well written manual manuals, including examples on using the functions. HP has the manuals available on-line on their website for the inevitable time that the user needs it and has lost the original.
While there are cheaper financial calculators, it seems that the HP 10B level is the minimum I would recommend to professionals or students. Less expensive versions, while saving a few dollars, miss important features. As a general rule of thumb, if the calculator can perform the "IRR" function, as the the 12C and 10B can, it will be able to handle pretty much any calculation into which the finance student, professonal, or banker will run.Read more ›
So why is the HP-12C still around, virtually unchanged from its introduction in the 80's? Because Finance people are VERY conservative, and they just kept buying the 12C because that's what their mentors used, that's what classes were teaching with, and that's where the most help and information is available. They simply ignored newer, fancier models of financial calculators because the 12C already worked so well that nobody needed or wanted anything better! Sure, they're imported these days instead of being made in the USA as the original units were, but the design is unchanged. The packaging has changed, but the user manual has not.
This calculator is a classic, destined to remain with us for many years...
Most Recent Customer Reviews
I like the calculator, but all the material that came with it (manual, etc) was in Spanish.Published 3 days ago by Lori J Bontkowski
They're crap now. I've used a 12C since business school, 30 years ago.
Got a replacement a year ago and it is TERRIBLE. Keys stick, lopsided.
Very disappointing. Read more
This is a classic that is still current. I first bought an HP 12C over 30 years ago. Seriously, what electronic product that was good in 1980 is still good today?Published 10 days ago by Amazon Customer
I love it. Feels like a high quality instrument. I love RPN. Keep selling these. Even depressing the keys feels good. Read morePublished 15 days ago by Engineer/ Martial Artist
Has everything I need and faster than the older one I had for the last 25 years.Published 15 days ago by John Blessing
Not as well made as my 1970 (?) model, which finally gave up the ghost. But the functionality is there' and still the best calculator ever made.Published 17 days ago by Amazon Customer