---
product_id: 444758265
title: "HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth"
brand: "hp"
price: "€ 161.59"
currency: EUR
in_stock: true
reviews_count: 5
category: "Hp"
url: https://www.desertcart.hr/products/444758265-hp-12c-financial-calculator-120-functions-tvm-npv-irr-amortization
store_origin: HR
region: Croatia
---

# Instant RPN data entry 120+ financial functions Programmable keystroke memory HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth

**Brand:** hp
**Price:** € 161.59
**Availability:** ✅ In Stock

## Summary

> 📈 Own the finance game with the legendary HP 12C – where precision meets speed!

## Quick Answers

- **What is this?** HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth by hp
- **How much does it cost?** € 161.59 with free shipping
- **Is it available?** Yes, in stock and ready to ship
- **Where can I buy it?** [www.desertcart.hr](https://www.desertcart.hr/products/444758265-hp-12c-financial-calculator-120-functions-tvm-npv-irr-amortization)

## 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

- • **Customize & Automate:** Programmable keys store repetitive tasks, boosting your productivity effortlessly.
- • **Speed Up Workflow with RPN:** Reverse Polish Notation reduces keystrokes and errors for lightning-fast results.
- • **Master 120+ Financial Functions:** From TVM to IRR, handle complex calculations with unmatched precision.
- • **Portable & Ready Out-of-the-Box:** Compact design with protective case, cleaning cloth, and pre-installed batteries.
- • **Trusted Legacy, Modern Performance:** Industry standard since 1981, now faster and more reliable than ever.

## Overview

The HP 12C Financial Calculator is a compact, durable desktop tool trusted by finance professionals for over 40 years. Featuring 120+ built-in financial functions including TVM, NPV, IRR, amortization, and bond calculations, it uses efficient Reverse Polish Notation (RPN) for faster data entry and fewer errors. Programmable keys allow automation of repetitive tasks, supporting up to 20 cash flows for advanced financial modeling. It comes complete with a protective case, cleaning cloth, and pre-installed batteries, making it ready for immediate use in real estate, banking, accounting, and corporate finance.

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

## 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.
- 120+ FUNCTIONS FOR FINANCIAL ANALYSIS – Calculate loan amortization, bond pricing, mortgage payments, NPV, IRR, depreciation, and more with this large calculator. Built-in business and statistical functions allow you to perform complex calculations in just a few keystrokes.
- RPN ENTRY FOR FASTER WORKFLOWS – Reverse Polish Notation (RPN) allows for efficient data entry with fewer keystrokes and no formulas. This RPN calculator is perfect for a mortgage payment calculator, accounting calculator, business calculator, or real estate calculator for desktop.
- PROGRAMMABLE FOR REPEAT TASKS – The HP12C desk calculator stores custom keystroke sequences for repeated use. This large calculator supports up to 20 cash flows for IRR/NPV analysis, modeling investment scenarios, projecting returns, and automating routine calculations.
- INCLUDES CLEANING CLOTH, CASE & BATTERIES – Compact design fits easily on a desk or crowded table area. Includes a protective carrying case, cleaning cloth, and comes with pre-installed batteries so it's ready to use out of the box. A great choice for home finances, business professionals, and accountants.

## Technical Specifications

| Specification | Value |
|---------------|-------|
| ASIN | B0FSWFY8FZ |
| Batteries | 1 Nonstandard Battery batteries required. |
| Best Sellers Rank | #39,513 in Office Products ( See Top 100 in Office Products ) #23 in Financial & Business Calculators |
| Brand | HP |
| Color | black |
| Customer Reviews | 4.7 4.7 out of 5 stars (423) |
| Date First Available | 6 October 2025 |
| Item Weight | 249 g |
| Manufacturer | HP |
| Manufacturer Part Number | HP 12C-120 |
| Material Type | Plastic |
| Number of Items | 1 |
| Product Dimensions | 15.24 x 7.62 x 0.25 cm; 249 g |
| Size | HP 12c X 2025 |

## Product Details

- **Brand:** HP
- **Calculator Type:** Financial
- **Colour:** black
- **Number of batteries:** 1 Nonstandard Battery batteries required.
- **Power source:** Battery Powered

## Images

![HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth - Image 1](https://m.media-amazon.com/images/I/71hvOELFNbL.jpg)
![HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth - Image 2](https://m.media-amazon.com/images/I/71h5+u-975L.jpg)
![HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth - Image 3](https://m.media-amazon.com/images/I/71P1bQPWibL.jpg)
![HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth - Image 4](https://m.media-amazon.com/images/I/81HLL0hly8L.jpg)
![HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Cleaning Cloth - Image 5](https://m.media-amazon.com/images/I/71RVK3fKhWL.jpg)

## Available Options

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

## Customer Reviews

### ⭐⭐⭐⭐⭐ Review
*by H***E on 25 November 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.

### ⭐⭐⭐⭐⭐ Review
*by I***A on 19 December 2025*

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

### ⭐ Review
*by 服***子 on 27 September 2019*

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。

## 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 Croatia*
*Store origin: HR*
*Last updated: 2026-03-13*