---
product_id: 1161665
title: "12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)"
brand: "hp"
price: "€ 87.98"
currency: EUR
in_stock: true
reviews_count: 13
url: https://www.desertcart.pt/products/1161665-12c-financial-calculator-120-functions-tvm-npv-irr-amortization-bond
store_origin: PT
region: Portugal
---

# Fast Reverse Polish Notation input Compact & durable with protective case 120+ built-in functions 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)

**Brand:** hp
**Price:** € 87.98
**Availability:** ✅ In Stock

## Summary

> 💼 Crunch numbers like a finance pro — legacy meets lightning 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?** € 87.98 with free shipping
- **Is it available?** Yes, in stock and ready to ship
- **Where can I buy it?** [www.desertcart.pt](https://www.desertcart.pt/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

- • **Portable Powerhouse:** Compact metal body with long battery life and protective case for daily hustle.
- • **Trusted Legacy Since 1981:** Join the elite finance community relying on HP 12C’s proven precision.
- • **Speed Up Workflow with RPN:** Reverse Polish Notation reduces keystrokes and errors for pros on the go.
- • **Master 120+ Financial Functions:** From TVM to bond yields, handle complex calculations effortlessly.
- • **Programmable for Custom Efficiency:** Save keystroke sequences and breeze through repetitive financial tasks.

## Overview

The HP 12C Financial Calculator is a compact, durable, and battery-powered device featuring over 120 built-in financial functions including TVM, NPV, IRR, amortization, and bond calculations. Trusted by finance professionals since 1981, it uses Reverse Polish Notation for faster, error-reduced input and includes programmable keys, a protective case, and long battery life, making it the industry standard for precise, on-the-go financial analysis.

## 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: Most essential item next to my phone - I have used an HP 12C for the past 45years. I don't care what else could serve the same function. HP 12C is what I know how to use. I am so grateful that I could get the exact same model that I have relied on for years. My original one from undergrad still works, but the battery hatch was taped shut and clearly it showed wear. Amortize the cost over the security it gives you over untold years to have it by your side and its a bargain. All around great tool.

## 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 | #6,545 in Office Products ( See Top 100 in Office Products ) #5 in Financial & Business Office Calculators |
| Brand | HP |
| Calculator Type | Financial |
| Color | hp 12c Black |
| Customer Reviews | 4.5 out of 5 stars 467 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 Weight | 0.15 kg |
| Manufacturer | HP Calculators |
| Mfr Part Number | 12C#ABA |
| Model Name | HP 12C |
| Model Number | 12C#ABA |
| Number of Batteries | 3 LR44 batteries required. |
| Number of Items | 1 |
| Power Source | Battery Powered |
| Screen Size | 5.1 inches |
| UPC | 088698055601 050500100649 971478120760 088698000120 492410746430 |
| Unit Count | 1 Count |
| Warranty Description | 2 Year Manufacturer |

## Product Details

- **Brand:** HP
- **Calculator Type:** Financial
- **Color:** hp 12c Black
- **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 **Color** 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.

### ⭐⭐⭐⭐⭐ Most essential item next to my phone
*by V***E on September 14, 2026*

I have used an HP 12C for the past 45years. I don't care what else could serve the same function. HP 12C is what I know how to use. I am so grateful that I could get the exact same model that I have relied on for years. My original one from undergrad still works, but the battery hatch was taped shut and clearly it showed wear. Amortize the cost over the security it gives you over untold years to have it by your side and its a bargain. All around great tool.

### ⭐⭐⭐⭐⭐ The original full strength, financial calculator
*by G***K on August 22, 2026*

Still after 40+ years, the best business calculator ever designed. It is the classic that was carried by 90% of financial professional professionals for decades. Still going strong!

## 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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**Shop now:** [https://www.desertcart.pt/products/1161665-12c-financial-calculator-120-functions-tvm-npv-irr-amortization-bond](https://www.desertcart.pt/products/1161665-12c-financial-calculator-120-functions-tvm-npv-irr-amortization-bond)

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*Product available on Desertcart Portugal*
*Store origin: PT*
*Last updated: 2026-10-19*