--- product_id: 1308790 title: "12CP Financial Calculator" brand: "hp" price: "SAR 482" currency: SAR in_stock: true reviews_count: 13 category: "Hp" url: https://www.desertcart.com.sa/products/1308790-12cp-financial-calculator store_origin: SA region: Saudi Arabia --- # 130+ built-in financial & statistical functions Long-lasting battery life for uninterrupted use 400-step memory capacity for complex calculations 12CP Financial Calculator **Brand:** hp **Price:** SAR 482 **Availability:** βœ… In Stock ## Summary > πŸ’Ό Elevate your financial game with the iconic HP 12CP β€” where precision meets prestige. ## Quick Answers - **What is this?** 12CP Financial Calculator by hp - **How much does it cost?** SAR 482 with free shipping - **Is it available?** Yes, in stock and ready to ship - **Where can I buy it?** [www.desertcart.com.sa](https://www.desertcart.com.sa/products/1308790-12cp-financial-calculator) ## 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 - β€’ **Dual Input Modes:** Switch seamlessly between efficient RPN and familiar algebraic entry to match your workflow style. - β€’ **Master Your Numbers:** 130+ advanced functions tailored for finance, business, and statistics to power your decision-making. - β€’ **Speed Meets Precision:** Calculate TVM, IRR, and NPV up to 6x faster with enhanced processing and undo/backspace editing. - β€’ **Pocket-Sized Powerhouse:** Compact design fits effortlessly in your bag, ready to perform wherever your work takes you. - β€’ **Exam-Ready & Professional:** Approved for CFP, CFA, and FRM exams β€” the trusted tool for finance pros who demand reliability. ## Overview The HP 12CP Financial Calculator is a compact, professional-grade tool featuring over 130 built-in functions for finance, business, and statistics. With a robust 400-step memory, dual input modes (RPN and algebraic), and long battery life, it’s designed for financial professionals and students alike. Its sleek black design with an engravable metal plate adds a touch of sophistication, making it ideal for exams and everyday financial analysis. ## Description desertcart.com The HP 12C Platinum Edition is a fast and powerful calculator designed for educators, businessmen, or anyone who needs a reliable tool to handle mathematical and/or financial calculations. With a 400 step memory capacity, the 12C can handle even the most complex computations. For 25 years, the 12C has proven its reputation as the ultimate pocket-size calculator for financial use. The HP 12C Platinum is a faster, enhanced version of the industry-leading 12C, and is designed for the financial professional who demands more options. Its long battery life and small size make it easy to take with you anywhere, and its elegant black and silver design, and engravable metal plate on the back give it a modern, stylish appearance. The 12C Platinum is a powerful tool capable of handling the most complex and detailed analysis and problem solving. With over 130 built-in functions for business, finance, mathematics and statistics including date calculations, this calculator offers fast and reliable programming, finance, and statistical analysis options. With the 12C, you'll enjoy the flexibility of both RPN (Reverse Polish Notation) and algebraic modes of entry, the speed of its processor, and the increased memory capacity.Precision Business and Finance Features Ideal for real estate, finance, accounting, economics and business work, this calculator also helps you perform several key functions that allow you to make financial predictions, balance your budget, or calculate percentages of appreciation or depreciation for mortgages, loans, and savings accounts. Advanced editing features like the new "Undo" and "Backspace" buttons ensure precise calculations, while six times faster speeds for calculating TVM, loan payments, and interest rates help you gather and analyze important data in minutes. You can also pinpoint trends by performing cumulative statistical analysis, standard deviation, mean, weighted mean, and linear regression.Memory For Up to 30 Cash Flows The 12C offers several modes and an easy-to-use layout for a wide range of practical applications. For example, perform TVM (Time Value of Money) functions like calculating mortgage/loan payments. Or perform NPV (Net Present Value) and IRR (Internal Rate of Return) computations to help determine whether or not to undertake a particular investment project. With memory for up to 30 cash flows, it's a snap to manage a series of complex projects. For additional convenience, the 12C is also permitted for use on the CFP and CFA Certification Exams, and the GARP FRM Exam.What's in the Box 12C financial calculator, battery, and user's manual. Product Description This special 25th anniversary collector's edition of HP's 12c Platinum calculator is a natural for real estate, finance, accounting, economics, and business calculations. It features the HP 12c Platinum standard edition's 130+ built-in functions and memory for 80 cash flows, complemented by a black and silver body, engravable metal plate on the back, and embossed leather pouch Review: Get this for your exam - I am not ashamed to admit that one of the primary reasons that I prefer this calculator - really the HP 12c series in general - to the alternatives is the fact that it looks like an instrument designed for professional use, as opposed to what one might find in an eighth grade science class. Of course, there are plenty of other reasons that this calculator is king. I used the HP 10bII Financial Calculator for years, and was quite content. It was only after I signed up to sit for one of my industry's designation exams that I realized the poor old 10bII was not an approved model. My options were the Texas Instruments BA II Plus Financial Calculator and the HP 12c. Due to my aforementioned desire to avoid looking like I was using the same calculator I owned in grade school, I went with the 12c Platinum. While I was initially frustrated by the calculator's use of Reverse Polish Notation (RPN) - which can be switched to an Algebraic mode on the Platinum model - I have come to appreciate the much more efficient RPN. I realize that time is rarely of the value that it is in a test taking environment. However, if you are considering this calculator for an exam, I can assure you that it will save you time which, when it comes down to it, will probably be much more valuable to you than the $40 price differential between the BA II and the 12c. Even outside of the exam room, if numbers and calculations are your business, it just makes life a little easier. The manual that accompanies the calculator is great. It provides everything that one needs to understand the full operating capacity of the calculator, as well as some helpful walk-through examples. I do wish that it was a physical manual instead of a CD. Not a huge drawback, though. Again, if you are purchasing this calculator for an exam, it will be well worth the effort to spend some time perusing the manual to determine which functions and shortcuts will make your life easier. Believe me when I say that, if used properly, some of the ignored functions of the 12c can be a real boon in certain situations. I do have to say that I have had an opportunity to handle a 12c from what was probably 20 years ago. It did feel like it was of a higher build quality than the 12c Platinum that I recently purchased. It is unfortunate that the new calculators do not possess that same feel, but the reality is that even the new 12c series calculators are, in my opinion, of a higher quality than their peers. Not as good as they were, perhaps; but still the best currently available. Do yourself a favor and get this calculator. I honestly do not believe that you will regret it. Review: Best calculator out there - Love it, I keep one at work and one at home next to the computer at all times. ## Features - HP 12C PLATINUM: FOR FINANCE PROFESSIONALS – Designed for advanced users in banking, investing, and corporate finance. The HP 12C Platinum finance calculator is ideal for pros who require precision, flexibility, and the ability to handle more complex financial modeling. - 130+ FUNCTIONS FOR ADVANCED ANALYSIS – Calculate loan payments, interest rates, bond prices, amortization, depreciation, IRR, NPV, and more with this large calculator. The 12CP's expanded functionality supports more in-depth business analysis and financial decision-making. - RPN OR ALGEBRAIC ENTRY + UNDO KEY – Choose between Reverse Polish Notation or standard algebraic logic. Includes both Undo and Backspace keys. This RPN calculator is perfect for a mortgage payment calculator, accounting calculator, business calculator, or real estate calculator for desktop. - 30 CASH FLOWS + EXAM APPROVED – Store up to 30 cash flows for internal rate of return and net present value calculations. This desk calculator is approved for use on CFP, CFA, and GARP FRM exams. Part of HP’s trusted lineup of exam-ready financial calculators used by professionals for decades. - INCLUDES CLEANING CLOTH, CASE & BATTERIES – Slim and easy to store on any desk or workspace. Comes with a protective case, cleaning cloth, and pre-installed batteries so you can start using it right away. Suitable for office use, meetings, exam prep, or daily financial work. ## Technical Specifications | Specification | Value | |---------------|-------| | ASIN | B000FVNX2Q | | Best Sellers Rank | #4,478 in Office Products ( See Top 100 in Office Products ) #3 in Financial & Business Office Calculators | | Brand | HP | | Built-In Media | Calculator | | Calculator Type | Financial | | Color | HP 12CP - Black Face | | Customer Reviews | 4.7 out of 5 stars 3,152 Reviews | | Display Type | LCD | | Enclosure Material | Plastic | | Global Trade Identification Number | 00882780469709, 08595179500243 | | Item Dimensions L x W | 6"L x 3"W | | Item Type Name | HP12C Finance Calculator | | Item Weight | 159 Grams | | Manufacturer | Hewlett Packard Office | | Mfr Part Number | F2231AA#B12 | | Model Name | packard | | Model Number | HP12CPLAT | | Number of Batteries | 1 CR123A batteries required. (included) | | Power Source | Battery Powered | | Screen Size | 1 | | UPC | 778888326221 808736931281 640034523238 883585518081 882780469730 | | Unit Count | 1.0 Count | | Warranty Description | 90 days | ## Product Details - **Brand:** HP - **Calculator Type:** Financial - **Color:** Black Face - **Power Source:** Battery Powered - **Screen Size:** 1 ## Images ![12CP Financial Calculator - Image 1](https://m.media-amazon.com/images/I/910IbZx8QRL.jpg) ![12CP Financial Calculator - Image 2](https://m.media-amazon.com/images/I/51abKVScw6L.jpg) ![12CP Financial Calculator - Image 3](https://m.media-amazon.com/images/I/71o1DQOZ1kL.jpg) ![12CP Financial Calculator - Image 4](https://m.media-amazon.com/images/I/81jkkNhuGBL.jpg) ![12CP Financial Calculator - Image 5](https://m.media-amazon.com/images/I/71V-NcXeawL.jpg) ## Available Options This product comes in different **Color** options. ## Questions & Answers **Q: Where was the calculator built? 12C's built in the US seem to have much better build quality and reliability than the ones built in China.** A: The 12C that I have has the letters "CHN 700****" on a tab located on the back of the calculator. I assume that means China. Regardless, I bought this calculator in 2005 and have literally used it multiple times everyday...probably 10,000 times. It continues to work perfectly. **Q: Why is the packaging in spanish? my order arrived today and i want an english version.** A: English Manuals: https://support.hp.com/us-en/product/hp-12c-platinum-financial-calculator/384706/manuals I found these, that should help. Quick Start Guide: http://h10032.www1.hp.com/ctg/Manual/c01798099.pdf Hopefully that helps!! **Q: Does this product come with the carrying case?** A: Yes. A nice semi-hard case with a spot for business card **Q: Does this one have a Black keyboard background or a silver one on what is delivered by Amazon?** A: The HP 12CP is the Platnium edition - (that's what the P stands for). The shipped product looks exactly as it is displayed on the product page. Except for the buttons and the silver panel on the top 3rd of the calculator (around the display) the background is black. I have mine in my hand right now and it looks identical to the picture you see on the product page. ## Customer Reviews ### ⭐⭐⭐⭐⭐ Get this for your exam *by S***O on February 7, 2014* I am not ashamed to admit that one of the primary reasons that I prefer this calculator - really the HP 12c series in general - to the alternatives is the fact that it looks like an instrument designed for professional use, as opposed to what one might find in an eighth grade science class. Of course, there are plenty of other reasons that this calculator is king. I used the HP 10bII Financial Calculator for years, and was quite content. It was only after I signed up to sit for one of my industry's designation exams that I realized the poor old 10bII was not an approved model. My options were the Texas Instruments BA II Plus Financial Calculator and the HP 12c. Due to my aforementioned desire to avoid looking like I was using the same calculator I owned in grade school, I went with the 12c Platinum. While I was initially frustrated by the calculator's use of Reverse Polish Notation (RPN) - which can be switched to an Algebraic mode on the Platinum model - I have come to appreciate the much more efficient RPN. I realize that time is rarely of the value that it is in a test taking environment. However, if you are considering this calculator for an exam, I can assure you that it will save you time which, when it comes down to it, will probably be much more valuable to you than the $40 price differential between the BA II and the 12c. Even outside of the exam room, if numbers and calculations are your business, it just makes life a little easier. The manual that accompanies the calculator is great. It provides everything that one needs to understand the full operating capacity of the calculator, as well as some helpful walk-through examples. I do wish that it was a physical manual instead of a CD. Not a huge drawback, though. Again, if you are purchasing this calculator for an exam, it will be well worth the effort to spend some time perusing the manual to determine which functions and shortcuts will make your life easier. Believe me when I say that, if used properly, some of the ignored functions of the 12c can be a real boon in certain situations. I do have to say that I have had an opportunity to handle a 12c from what was probably 20 years ago. It did feel like it was of a higher build quality than the 12c Platinum that I recently purchased. It is unfortunate that the new calculators do not possess that same feel, but the reality is that even the new 12c series calculators are, in my opinion, of a higher quality than their peers. Not as good as they were, perhaps; but still the best currently available. Do yourself a favor and get this calculator. I honestly do not believe that you will regret it. ### ⭐⭐⭐⭐⭐ Best calculator out there *by S***. on May 28, 2026* Love it, I keep one at work and one at home next to the computer at all times. ### ⭐⭐⭐⭐⭐ Okay, the heart of the matter: HP12c vs TIBAII *by A***E on October 6, 2013* If you're looking at this review, you are probably asking yourself what I was asking myself: Do I buy the HP12c or the TIBAII? A finance professor recommended the HP12c to me, then another finance professor insisted on the TIBAII. I purchased both, read 300+ pages of instruction manuals, and here's what happened: For almost every calculation, the HP12c, once you learn to use RPN (contrast with algebraic for you guys who don't know what I'm talking about) is sooooo much more comfortable and, more importantly, much faster. If I want to calculate standard deviation, I can chain the entire equation out without stopping or storing a single value--in other words, I never have to say "okay, gotta write this value down (or store it) so I can call it back up later when I need to add it to the next value". I did this on a statistics test and I was the first one done. I got worried because everyone else was still working on problems, but guess what? I was the only student using the HP12c, because no one wants to learn a new system--people are intimidated by RPN. Don't be: it's awesome. But on the other hand, the "worksheets" for the TIBAII are actually quite useful. HP12C doesn't have a default 30/360 setting for bonds (it can be programmed according to the manual in about 40 steps, which I'm still learning about). TIBAII has some conveniences like combination buttons and permutation buttons. But guess why? As I mentioned above, in the HP12c, you can chain those calculations without even thinking, so it doesn't need those buttons. TIBAII, with algebraic notation, benefits greatly from the added functions. So TIBAII appears to provide extra value that, frankly, is unnecessary if you use HP12c. I could give more examples like these. The TIBAII's worksheets allow for fool-proof entry and give a few extra results that are "useful" [meaning, useful for the TIBAII, but HP12c users are doing them quickly from memory] (discounted payback, multiple IRR, NFV--i have the plus professional-- for example). Who should use the HP12c? Well, from my experience, people who are good with numbers and want a device that keeps up with their computational instincts use the HP12c. As I mentioned before, you can chain together some seriously long computations in cool ways. If you are not that type of guy, it's not going to be that useful for you--the thing is, I would argue that the HP12c can turn you into that kind of guy. The possibilities, once the system is learned, are great. The TIBAII is definitely a "safer" calculator. It is also more technologically advanced. The worksheets have value. They give you useful outputs (useful for the CFA, yes). But the HP12c user will tell you(rightly) that some of these are crutches that will result in you forgetting how to do the calculations (combinations, permutations). Here's what I've done: I use the HP12c for everything I can, and I use the TIBAII for the 30/360 bond worksheet (and the discounted payback and a few other features that would save time on the CFA). So my goal is to use the fastest always, and to always give priority to me KNOWING a calculation--not blindly relying on a button. HP12c is the overall winner, but the TIBAII has a minor role on my desk. Buying both calculators is really not that big of an expense. One final note: the layout of the HP12c is so much more fluid than TIBAII's lame scientific-calculator look. Every time I pick up the HP12c, I esthetically enjoy it. I have the platinum version, and man does it feel good. Good with math? Need a tool that allows you to exress that? You need HP12c's RPN. Like the safety of support? Like extra features you don't have to know how to calculate yourself? Need the 4-5 things that TIBAII offers quickly (for the CFA, for example?)?: buy the TIBAII. Are you like me? Want the RPN but also need that 30/360 bond worksheet? Use HP12c 95% of the time, then pick up the cheaper-feeling, plastic-y, scientific-y TIBAII (which is, nonetheless, a good product). One final thing: Once you learn RPN, you will be ruined for algebraic. The fact that I say that should tell you a lot. When I use algebraic on the TIBAII, I find myself thinking "what idiot would actually prefer this crap over RPN?" I know I shouldn't, but I now tend to assume people who are bad at math would naturally avoid RPN and the HP12c. Again, that's a very biased statement, but one that, even acknowledging it's biased, I still say. Okay amigos, let the comments begin. ## Frequently Bought Together - HP 12CP Financial Calculator - JINMEI Hard EVA Carrying Case Compatible with HP 12C/HP 12CP Financial Calculator Storage case - HP 12C Financial Calculator - Black/Gold --- ## Why Shop on Desertcart? - πŸ›’ **Trusted by 1.3+ Million Shoppers** β€” Serving international shoppers since 2016 - 🌍 **Shop Globally** β€” Access 737+ million products across 21 categories - πŸ’° **No Hidden Fees** β€” All customs, duties, and taxes included in the price - πŸ”„ **15-Day Free Returns** β€” Hassle-free returns (30 days for PRO members) - πŸ”’ **Secure Payments** β€” Trusted payment options with buyer protection - ⭐ **TrustPilot Rated 4.5/5** β€” Based on 8,000+ happy customer reviews **Shop now:** [https://www.desertcart.com.sa/products/1308790-12cp-financial-calculator](https://www.desertcart.com.sa/products/1308790-12cp-financial-calculator) --- *Product available on Desertcart Saudi Arabia* *Store origin: SA* *Last updated: 2026-06-04*