---
product_id: 1161665
title: "HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)"
brand: "hp"
price: "KSh15014"
currency: KES
in_stock: true
reviews_count: 13
category: "Hp"
url: https://www.desertcart.co.ke/products/1161665-hp-12c-financial-calculator-120-functions-tvm-npv-irr-amortization
store_origin: KE
region: Kenya
---

# Instantaneous RPN input speed 120+ built-in financial functions Durable compact design with protective case HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP)

**Brand:** hp
**Price:** KSh15014
**Availability:** ✅ In Stock

## Summary

> 📈 The timeless financial calculator that means business — don’t get left behind!

## Quick Answers

- **What is this?** HP 12C Financial Calculator – 120+ Functions: TVM, NPV, IRR, Amortization, Bond Calculations, Programmable Keys (HP) by hp
- **How much does it cost?** KSh15014 with free shipping
- **Is it available?** Yes, in stock and ready to ship
- **Where can I buy it?** [www.desertcart.co.ke](https://www.desertcart.co.ke/products/1161665-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

- • **Portable Powerhouse:** Compact, lightweight, and comes with a protective case and long-lasting batteries.
- • **Designed for Finance Pros:** Tactile keys and one-line LCD optimized for real-world business environments.
- • **Master 120+ Financial Functions:** From TVM to bond calculations, handle complex finance tasks effortlessly.
- • **Legacy Reliability Meets Modern Speed:** Over 40 years of trusted performance with near-instant calculation times.
- • **RPN Input for Lightning-Fast Accuracy:** Reduce keystrokes and errors with the industry-trusted Reverse Polish Notation.

## Overview

The HP 12C Financial Calculator is a compact, durable device trusted by finance professionals for over 40 years. Featuring 120+ built-in functions including TVM, NPV, IRR, amortization, and bond calculations, it uses Reverse Polish Notation (RPN) for faster, more accurate data entry. With programmable keys, support for 20 cash flows, and a protective case, it delivers legacy performance with modern speed and portability—making it the go-to tool for real estate, banking, and corporate finance experts.

## 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 - Very good product and easy to use.

## 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 |
| Batteries | 2 CR2032 batteries required. |
| Best Sellers Rank | #4,747 in Office Products ( See Top 100 in Office Products ) #4 in Financial & Business Office Calculators |
| Customer Reviews | 4.7 4.7 out of 5 stars (397) |
| Date First Available | July 19, 2008 |
| Is Discontinued By Manufacturer | No |
| Item Weight | 5.3 ounces |
| Item model number | 12C#ABA |
| Manufacturer | HP Calculators |
| Product Dimensions | 3.1 x 3.1 x 0.04 inches |

## Product Details

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

## Images

![HP 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)

## 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
*by A***R on February 18, 2026*

Very good product and easy to use.

### ⭐⭐⭐⭐⭐ Still high quality after all these years
*by S***E on February 17, 2026*

The original is still the best! I have owned several 12c’s over the last 40 years and the never disappoint.

## 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 Kenya*
*Store origin: KE*
*Last updated: 2026-03-04*