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HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys – RPN Desktop Calculator for Finance, Accounting & Real Estate – Includes Case + Cloth

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Availability: In Stock.
Fulfilled by Amazon
Arrives Friday, May 1
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Style: HP 12C 2025


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.

Brand: HP


Color: black


Calculator Type: Financial


Power Source: Battery Powered


Number of Batteries: 1 Nonstandard Battery batteries required.


Calculator Type: Financial


Power Source: Battery Powered


Number of Batteries: 1 Nonstandard Battery batteries required.


Display Type: LCD


Color: black


Enclosure Material: Plastic


Item Dimensions L x W: 6"L x 3"W


Brand: HP


Model Name: HP 12C


UPC: 199284667877


Manufacturer: HP Calculators


Mfr Part Number: HP 12C-120


Warranty Description: 2 Year Manufacturer


Frequently asked questions

If you place your order now, the estimated arrival date for this product is: Friday, May 1

Yes, absolutely! You may return this product for a full refund within 30 days of receiving it.

To initiate a return, please visit our Returns Center.

View our full returns policy here.

  • Klarna Financing
  • Affirm Pay in 4
  • Affirm Financing
  • Afterpay Financing
  • PayTomorrow Financing
  • Financing through Apple Pay
Leasing options through Acima may also be available during checkout.

Learn more about financing & leasing here.

Similar Products

Top Amazon Reviews

    • A Timeless Classic Built to Last—Just Remember the RPN!
Style: hp 12c
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. ... show more
Reviewed in the United States on November 25, 2025 by Honest Unpaid Insights by Bruce
    • Nice unit. have had one for years
Style: HP 12C 2025
Inexpensive, Works just like my old one, simple to operate
Reviewed in the United States on February 24, 2026 by John Waltman
    • Excellent on longevity
Style: HP 12C 2025
This is the second HP12C calculator I’ve owned. The first one lasted 44 years. I’m a CPA, so it got lots of use. It has a lot of functions on it; it can calculate payments based on principal, interest and time; number of days between 2 different days; and other financial functions.
Reviewed in the United States on March 26, 2026 by Lisa
    • Good Product
Style: hp 12c
Very good product and easy to use.
Reviewed in the United States on February 18, 2026 by Amazon Customer
    • This is the Model Sometimes Referred to as the HP12C+
Style: hp 12c
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. ... show more
Reviewed in the United States on April 10, 2025 by Business Book Worm
    • Iconic!
Style: hp 12c
I purchased my first HP12C in 1982 and lost it years later. After replacing it and loosing the new one, I found my 1982 model. Really no functional changes. I use it every day with no problems. Batteries last forever (I don’t recall the last time I changed them).
Reviewed in the United States on November 13, 2025 by John Wyand
    • Okay, skips entries sometimes
Style: hp 12c
Excellent, great replacement for my old one from 1990. UPDATE Oct 2025, this works well some/most of the time but it sometimes skips a number entry while giving the feel it’s been entered, eg adding up a bunch of numbers. It has thrown me off a few times and that’s been frustrating. I recommend only using it on a very hard surface and paying close attention to numerical entries. Double check your computations. Bummer it’s brand new and not reliable. My HP12 from late 1980s is better, but I needed a second one and didn’t want to chance buying used. ... show more
Reviewed in the United States on March 7, 2025 by June P.
    • Still high quality after all these years
Style: hp 12c
The original is still the best! I have owned several 12c’s over the last 40 years and the never disappoint.
Reviewed in the United States on February 17, 2026 by sue

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