HP 12c Financial Calculator for iPhone is a great companion tool for anyone in accounting, real estate, finance, or banking. Features include calculating the time value of money, net present value, and more. It also supports RPN entry, which many financial pros are already familiar with. The traditional HP 12c financial calculator is used by many industry professionals and the iPhone version not only brings all those features in app form, but will cost you a fraction of the price.
After downloading HP 12c Financial Calculator for iPhone and launching it, you'll be presented with the main calculator layout. If you've ever used a tradition HP 12c, you'll immediately notice the interface and design as it looks just like the real model. In portrait mode you'll have standard mathematical operation options. Turning your iPhone in landscape will give you all the options that you're most likely looking for. While in this orientation you will notice the layout is very simliar to the traditional 12c. Along the top you've got all your most used functions such as periods, interest rate, present value, and future value. If you're calculating payments and other time value of money variables, this is where you'll live.
The orange menus will give you options for amortization, bonds, depreciation, and more. You have function keys along the bottom row that allow you to toggle to different functions easily. The only option I can think of that this calculator doesn't have is an option to turn off the key clicks. If your phone is on vibrate, you obviously won't hear them, but if it's not, there currently isn't a way to turn off the sound effects for keys.
Most finance professionals were probably required to carry around an HP 12c financial calculator during college and for most, it's what they've carrier over into their careers. That's what makes the HP 12c for iPhone so great. It's exactly what you're used to using, but in app form. It's one less thing to carry around and you'll always have it handy. Not to mention, you buy it once and you own it across all your iOS devices, for as long as you'd like to use it, at a fraction of the cost of a traditional 12c.
If you rely on a financial calculator in any sort of regular capacity, the HP 12c for iPhone is a great option.