12C Financial Calculator

12C Financial Calculator is an RPN (Reverse Polish Notation) financial calculator for Android, built for finance, accounting, real estate, and business calculations.

KEY FEATURES

- Time Value of Money (TVM): n, i, PV, PMT, FV — calculate present value, future value, payments, interest rate, and number of periods
- Cash Flow Analysis: CF0, CFj, Nj, NPV, and IRR for evaluating investments and projects
- Amortization: interest, principal, and remaining balance schedules for loans
- Interest Conversions: simple and compound interest, nominal/effective rate conversion
- Bond Calculations: bond price and yield
- Depreciation: straight-line (SL), sum-of-years-digits (SOYD), and declining balance (DB) methods
- Statistics: mean, standard deviation, weighted mean, linear regression, forecasting, correlation coefficient
- Date Calculations: date-to-date arithmetic, D.MY and M.DY formats
- Programming Mode: store and run sequences of keystrokes
- RPN Stack: X, Y, Z, T registers with full stack visibility
- Data Registers: storage and recall functions
- Works fully offline

WHO IT'S FOR

Built for students and professionals working in finance, accounting, business administration, economics, real estate, and investment analysis. Also useful for exam preparation in finance and accounting coursework where RPN calculator skills are required.

WHY RPN

RPN logic removes the need for parentheses and lets you enter multi-step calculations in fewer keystrokes than a standard algebraic calculator.

This app is an independent RPN calculator and is not affiliated with, endorsed by, or sponsored by Hewlett-Packard or any calculator manufacturer. "HP" and "12C" are used solely to describe calculator functionality and compatibility for user reference.