Product Description: The HP 12c Platinum is a powerful tool capable of handling the most complex and detailed financial calculations. Users of the HP 12c Platinum will enjoy the flexibility this calculator offers with both RPN and algebraic modes of entry, the increased memory capacity and the more-than 130 built-in functions. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams, and GARP FRM Exam. Mode Selection RPN: Reverse Polish Notation ALG: Algebraic PRGM: Programming Finance Statistic Programming: Keystroke programming Memory capacity: 400 steps Editing Features “Undo” and Backspace keys Business/Finance Features: TVM (loans, savings and leasing), Amortization Bond price and yield to maturity,Cash flow analysis NPV, IRR Memory for up to 80 cash flows,% change, % of total SL, DB, SOYD depreciation methods