---
product_id: 1161665
title: "12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)"
brand: "hp"
price: "€ 82.03"
currency: EUR
in_stock: true
reviews_count: 8
category: "Hp"
url: https://www.desertcart.es/products/1161665-12c-financial-calculator-120-functions-tvm-npv-irr-amortization-bond
store_origin: ES
region: Spain
---

# Instantaneous RPN input speed Compact & durable metal casing 120+ built-in financial functions 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)

**Brand:** hp
**Price:** € 82.03
**Availability:** ✅ In Stock

## Summary

> 💼 Own the finance floor with the legendary HP 12C – where precision meets speed.

## Quick Answers

- **What is this?** 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP) by hp
- **How much does it cost?** € 82.03 with free shipping
- **Is it available?** Yes, in stock and ready to ship
- **Where can I buy it?** [www.desertcart.es](https://www.desertcart.es/products/1161665-12c-financial-calculator-120-functions-tvm-npv-irr-amortization-bond)

## Best For

- hp enthusiasts

## Why This Product

- Trusted hp brand quality
- Free international shipping included
- Worldwide delivery with tracking
- 15-day hassle-free returns

## Key Features

- • **Built to Endure Your Workday:** Robust metal body and long battery life keep you powered through high-stakes tasks.
- • **Legacy Meets Modern Precision:** 40+ years of industry trust combined with instant calculation speed.
- • **Master 120+ Financial Functions:** From TVM to IRR, handle complex calculations effortlessly.
- • **RPN Input for Lightning-Fast Accuracy:** Reduce keystrokes and errors with the pro-level Reverse Polish Notation.
- • **Portable Powerhouse with Protective Case:** Take your trusted finance tool anywhere with included case and batteries.

## Overview

The HP 12C Financial Calculator is a professional-grade tool trusted by finance experts for over 40 years. Featuring 120+ built-in functions including TVM, NPV, IRR, and bond calculations, it uses Reverse Polish Notation (RPN) for faster, error-reduced input. Its compact metal design, long battery life, and included protective case make it the ultimate portable calculator for real estate, banking, and corporate finance professionals seeking reliable, instant results.

## Description

The HP 12C has set the standard for financial calculators for over four decades. Trusted by professionals in real estate, banking, and corporate finance, it’s highly sought after for its speed, reliability, and efficient data entry using Reverse Polish Notation (RPN). With more than 120 built-in functions, the HP 12C is built to handle everything from loan amortization to bond yield calculations – without the need for spreadsheets or formulas.KEY FEATURES:120+ built-in functionsReverse Polish Notation (RPN)TVM, NPV, IRR, amortizationBond and loan calculationsProgrammable keystroke memorySupports 20 cash flowsOne-line LCD displayCompact and durableIncludes cleaning clothIncludes case and batteriesLong battery lifeLEGACY PERFORMANCE FOR TODAY’S PROFESSIONALSThe HP 12C remains a top choice for financial professionals who value speed and precision. With a simple one-line display and tactile, well-spaced keys, it’s designed for real-world use in business, finance, and accounting.RPN ENTRY FOR FASTER RESULTSReverse Polish Notation allows for efficient calculation with fewer keystrokes – ideal for experienced users handling repetitive or multi-step financial tasks. It eliminates the need for parentheses and reduces input errors over time.BUILT-IN FINANCIAL TOOLSFrom calculating mortgage payments and loan amortization to running internal rate of return (IRR) and net present value (NPV) analyses, the HP 12C handles common and complex financial operations with ease. Just a few keystrokes deliver instantaneous accurate results.PORTABLE WITH PROTECTIVE CASECompact enough for carrying to and from the office, the HP 12C comes with a protective case and a pre-installed battery.

Review: A Timeless Classic Built to Last—Just Remember the RPN! - 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.
Review: Good product as always - The old and useful HP calculator that I keep with me everywhere. No issues and great delivery.

## Features

- HP 12C: INDUSTRY STANDARD SINCE 1981 – Trusted by professionals in real estate, banking, and finance for over 40 years. The HP 12C finance calculator remains the go-to tool for fast and accurate calculations in high-stakes business environments.

## Technical Specifications

| Specification | Value |
|---------------|-------|
| ASIN | B0000YVENS |
| Best Sellers Rank | #2,834 in Office Products ( See Top 100 in Office Products ) #4 in Financial & Business Office Calculators |
| Brand | HP |
| Calculator Type | Financial |
| Color | Gold |
| Customer Reviews | 4.6 out of 5 stars 395 Reviews |
| Display Type | LCD |
| Enclosure Material | Metal |
| Global Trade Identification Number | 00088698055601 |
| Item Dimensions L x W | 3.1"L x 3.1"W |
| Item Height | 0.1 centimeters |
| Item Weight | 0.15 Kilograms |
| Manufacturer | HP Calculators |
| Model Name | HP 12C |
| Number of Batteries | 2 CR2032 batteries required. |
| Power Source | Battery Powered |
| Screen Size | 5.1 Inches |
| UPC | 088698055601 050500100649 971478120760 088698000120 492410746430 |
| Unit Count | 1.00 Count |
| Warranty Description | 2 Year Manufacturer |

## Product Details

- **Brand:** HP
- **Calculator Type:** Financial
- **Color:** Gold
- **Power Source:** Battery Powered
- **Screen Size:** 5.1 Inches

## Images

![12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP) - Image 1](https://m.media-amazon.com/images/I/71fk3Z9f-lL.jpg)

## Available Options

This product comes in different **Style** options.

## Customer Reviews

### ⭐⭐⭐⭐⭐ A Timeless Classic Built to Last—Just Remember the RPN!
*by H***E on November 25, 2025*

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.

### ⭐⭐⭐⭐⭐ Good product as always
*by K***S on December 2, 2025*

The old and useful HP calculator that I keep with me everywhere. No issues and great delivery.

### ⭐⭐⭐⭐⭐ This is the Model Sometimes Referred to as the HP12C+
*by B***M on April 10, 2025*

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.

## Frequently Bought Together

- HP 12C Financial Calculator - Black/Gold
- JINMEI Hard EVA Carrying Case Compatible with HP 12C/HP 12CP Financial Calculator Storage case
- Duracell 303/357/76 Silver Oxide Button Battery, 3 Count Pack, 303/357/76 1.5 Volt Battery, Long-Lasting For Watches, Devices, Calculators, And More

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*Product available on Desertcart Spain*
*Store origin: ES*
*Last updated: 2026-01-28*