The HP 12c Financial Programmable Calculator has an easy-to-use layout, one-line LCD display and efficient RPN data entry. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Over 120 built in functions. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams and GARP FRM Exam.