Financial & Business

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Texas Instruments BA II Plus Professional Financial Calculator

from Texas Instruments

The BA II Plus Professional Business Calculator is an amazing next-generation calculator designed especially for accounting and business professionals. Save time while crunching numbers while working out complex equations. Along with the standard capabilities of time-value-of-money, accrued interest, amortization, cost-sell-margin, and depreciation, users will calculate more advanced business and finance related issues. Handle Net Future Value(NFV), Modified Internal Rate of Return(MIRR), Modified Duration, Payback, Discount Payback and more. Its rugged metal exterior, firm-touch keypad and no slide rubber feet make it ideal for anyone in accounting, economics, investing, statistics and related businesses. It's also approved for the Chartered Financial Analyst(CFA) exam. Comes with black protective case. Multiple depreciation day-count methods - 30/360, Act/Act Determine depreciation schedules, partial years and days between dates Includes Trig. and log. Functions

The BA II Plus Professional calculator features all the great features of its predecessor while packing in even more time-saving functions to make short work of complex equations. It's an ideal choice for entry level and advanced finance, accounting, economics, investment, statistics, and other business classes. It's also a great choice to bring to the Chartered Financial Analyst (CFA) exam. Along with the standard capabilities of time-value-of-money, accrued interest, amortization, cost-sell-margin, and depreciation calculations, users can calculate more advanced business and finance related issues. It will handle net future value (NFV), modified internal rate of return (MIRR), modified duration, payback, discount payback, and more. Its rugged metal exterior, firm-touch keypad and anti-slip rubber feet make it ideal for anyone in accounting, economics, investing, statistics, and related businesses. It also comes with a black protective case.

HP 10bII Financial Calculator

from Hewlett Packard

The HP 10BII Financial Calculator performs adroit number crunching stunts, in every arena from the high wire of business to the halls of higher learning to the home check-balancing act. Over 100 time saving, easily accessed business functions cover virtually any situation calling for calculation. Quickly calculate loan payments, interest rates, amortization, discounted cash flow analysis, interest rate conversions, standard deviation, percent, % change, mark-up as a percent of cost price, margin as % of price, and forecasting based on linear regression--to name only a few! Uses 2 CR2032 batteries (included) Size - 5.6L x 3.07W x 0.53D

If you need to keep up with your fast-paced business courses while working and planning for your career, invest in the HP 10BII business calculator. Featuring over 100 built-in functions for business, finance, mathematics, and statistics, the 10BII is an ideal calculator for business students who want to get ahead. Easily calculate loan payments, interest rates, amortization, discounted cash-flow analyses, TVM (loans, savings, and leasing), and more. Statistical analysis is cumulative, and you can figure standard deviation, mean, and weighted mean in addition to forecasts and the correlation coefficient. Cash-flow analysis is register based and has 15 functions.

Take a Product Tour
this calculator in action

The HP 10BII business calculator has an algebraic entry system and a logical and intuitive keyboard layout with easy-to-read labels. The LCD screen features up to 12 characters on one line of text. Small and sturdy, this calculator is easy to slip into your backpack or briefcase and bring to class or your workplace.

HP offers a one-year warranty on the 10BII.

What's in the Box
Calculator, user's manual, installed batteries, and carrying case

Texas Instruments BA II Plus Financial Calculator

from Texas Instruments

We're definitely taking this along with us the next time we shop for a house. Though it takes a little effort to master the collection of financial worksheets available on the Texas Instruments BA II Plus, you'll be glad you invested the time and money in this fine financial calculator.

The BA II Plus operates in standard calculator and worksheet modes. The standard mode lets you perform common math as well as operations involving the time value of money--that is, applications such as mortgages or annuities in which payments are equal and evenly spaced. You can also perform trigonometric functions in standard mode.

The more hard-core worksheet mode includes tables for amortization, bond, depreciation, and compound interest. If you're not familiar with such calculations, the very helpful user's manual will guide you through the process. All previous worksheet values are stored in memory, so you don't have to retype all the bond maturity or cash flow analysis figures.

The average user who wants to calculate a basic loan payment will be more comfortable working in the standard calculator mode. We were using the BA II Plus tools for calculating basic interest and payment periods within minutes. Still, it's good to know that the more advanced features are available for those who require heavy-duty financial computing.

Finance students and average users alike will find much to like in the Texas Instruments BA II Plus. --John Frederick Moore

Solve time-value-of-money calculations / Generate amortization schedules / Includes trigonometric functions, natural logarithms, powers analysis Gives business professionals and students access to powerful features such as cash-flow analysis and advanced, list-based statistics

HP 12c Financial Calculator (12C#ABA)

from Hewlett Packard

Programmable financial calculator Comprehensive instruction manual Uses reverse polish notation (RPN)

If you bought yourself a financial calculator during the 1980s, chances are it was this bad boy. Nothing has changed since its introduction--it still uses Reverse Polish Notation (RPN), is easy and versatile in programming, and has a thin, sturdy casing. Certainly, there's been newer, fancier calculators introduced since, but there's something to be said for the quality of classics.

The HP 12C's functions include all the basics--such as calculating APR, NPV, and IRR--and statistics are a snap. For students new to financial calculators, this is an excellent place to start. For the most part, the manual reads like a minitextbook, walking you through sample problems and situations followed by graphs and tables demonstrating the technique--and you can even check your results. The section on creating programs does seem to be written for the technically ignorant, addressing in detail how you could possibly benefit from using programs, but it'll still help you get the job done.

In general, it's a bit slower than newer models, just like last year's computer isn't as speedy as today's new release. On the plus side, it's just 3 by 5 inches and slips easily into a pocket. The bottom is printed with a few little cheat notes for common functions, which is nice for quick reference. The HP 12C's one-year warranty and available tech-support line offer reassurance this little workhorse will continue to be an industry standard for years to come. --Jill Lightner

Pros:

• Pocket size
• Thorough and simple instruction manual
• Competitive price

Cons:

• Calculates more slowly than modern machines

What's in the Box
Calculator, user's manual, installed batteries and carrying case

HP 17BII+ Financial Calculator

from Hewlett Packard

Designed with real-estate, business, and finance professionals in mind, the HP 17bII+ financial calculator provides RPN or algebraic data-entry modes and over 250 easy-to-use functions. Its two-line, 22-character display is easy to read, offering convenient menus and prompts, plus clock and calendar.

Free Online Training
Make the most of your HP calculator with free online training. First, visit http://www.hp.com/calculators/educators.html for Learning Modules, which are online self-paced training lessons that you control. Second, visit http://www.hp.com/calculators/training/virtual_classroom.html to register for Virtual Courses that are conducted by experienced instructors who can answer your questions. Third, click below to take an interactive Product Tour and learn about the rich features this calculator offers.

Take a Product Tour
this calculator in action

Getting down to business, the 17bII+ provides TMV and amortization features plus list-based, cash-flow analysis, currency conversions, depreciation and percentage calculations, interest rate conversions, bond price and yield calculations, and more. Statistical/mathematical features include correlation forecasting (linear, logarithmic, exponential, and power) and deviation calculations, just to name a few.

The HP 17bII+ financial calculator has a built-in memory of 28K and power-off memory protection. It offers your choice of German, French, English, Spanish, Italian, or Portuguese language operation and a one-year warranty.

What's in the Box
Calculator, batteries, user guide, leather carrying case, instructions, warranty information

The HP-17BII+ is aimed squarely at students and professionals in real estate, finance and business. Complex transactions demand a calculator like this -- powerful and easy to use! Clock with alarms Dimensions - 5.71H x 3.19W x 0.58D

HP 12c Financial Calculator (F2231AA#ABA)

from Hewlett Packard

The HP 12C Platinum Anniversary 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 25th Anniversary Edition of 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, engravable metal plate on the back, and leather pouch give it a modern, stylish appearance.

The 25th Anniversary Edition of the HP 12C Platinum comes with an exclusive leather pouch.

Over 130 Built-In Functions
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, user's manual, and pouch.

Ask a serious financial analyst or MBA about the HP 12c and they'll probably tell you they couldn't get where they are without one. For 25 years, the 12c has demonstrated its excellence and has been established as the ultimate pocket-size calculator for financial use. The new 25th Anniversary Edtion of the HP 12c Platinum is a faster, enhanced version of the industry-leading 12c calculator designed for the financial professional who demands more. Enjoy both RPN and Algebraic modes of entry, keystroke programming with memory for up to 400 steps and more-than 130 built-in functions. New "Undo" and "Backspace" buttons for efficient editing. Plus faster speeds for calculating TVM, loan payments, interest rates, standard deviation and more. Work more efficiently with memory for up to 80 cash flows. Ideal for real estate, finance, accounting, economics and business work. The easy-to-use layout and stylish Anniversary Editon look with metal backplate suitable for engraving and commemorative leather pouch make it a welcome addition to any desktop or a great gift idea. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams, and GARP FRM Exam. Business/Finance Features include - TVM (loans, savings and leasing); Amortization; Bond price and yield to maturity; Cash flow analysis NPV, IRR; Memory for up to 30 cash flows; SL, DB, SOYD depreciation methods; % change, % of total; Statistical Functions - Over 130 built-in functions - Cumulative statistical analysis; Standard deviation, mean, weighted mean; Linear regression; Forecasting, correlation coefficient 1 line x 10 characters LCD Screen Uses CR2032 battery (1 included) - Approximate lifespan of battery - 2 years (when used 1 hour/day) Includes Soft Pouch and User Manual Unit Size (L W D) 12.9 7.9 1.5 cm (5.1 3.1 . 6 in) You also get the reassurance of award-winning HP

Texas Instruments TI36X Solar Scientific Calculator

from Texas Instruments

Solar-powered calculator for science and math Base conversion and calculations (Decimal, Hexadecimal, Binary, Octal) 15 Parentheses levels 3 memories 8 Physical constants Up to 4 pending operations Includes A76 battery (pre-installed), case and instructions

Ideal for students at every level, from junior high school algebra to college calculus, the Texas Instruments TI36 packs a lot of punch in a small, inexpensive unit. This solar-powered calculator combines features for statistical analysis, Boolean logic operations, and unit conversions in one sleek package.

Math students will appreciate TI36X's ability to perform fractional equations and calculate angle units (radians, grads, degrees) when performing trigonometric functions. Everyone will find the calculator's English/metric conversions helpful.

The TI36Xs single-line LCD is a little difficult to read when the unit is lying on a desk, and users in need of graphing functions will have to look elsewhere. Overall, however, for a calculator in this price range, the TI36X provides enough power for most high-level math and science needs.

Casio FX-115MS Plus Scientific Calculator

from Casio

For math and science students at all levels, and for any home or office that needs algebraic computations from time to time, Casio has created the FX-115W Plus two-line display scientific calculator. An indispensable tool for students from high school onward, in lab classes, and for exams, the FX-115W Plus features a two-line display, complex number calculations, and an algebraic mode that displays the example precisely as written. It's useful in the household or office for calculating finances, converting cooking measurements, and anything else you think of when you wish you had a calculator at hand.

The clear, readable, two-line display exhibits 10 digits in large numerals, showing the problem and answer together and permitting better tracking of your equation-solving process. You can also call upon 279 built-in mathematical functions, many complete with engineering symbols, for a variety of tasks, including calculations in base conversions, logical operations, and standard deviation and regression analysis. Plus, you can key in and program formulas to save for future use.

The FX-115W Plus provides one independent and six constant memory keys. It has a pragmatic key layout, making this an easy-to-use basic scientific calculator offering the functions you'll need in a solidly constructed unit. --Barbara Price

252-function pocket scientific calculator Combinations and permutations Enginnering symbols Logical operations 18 levels of Parentheses Converts and calculates different numerical bases (Decimal, Binary, Hexadecimal, Octal) Trigonometric functions 6 constant memories Powered by solar cells with internal battery back-up Convenient and protective case

Casio FX-260 Solar Scientific Calculator

from Casio

144-function pocket scientific calculator Combinations and permutations Logical operations 10 levels of Parentheses Time calculations (DMS) Trigonometric functions Powered by solar cells with internal battery back-up Convenient and protective case

For math and science students at all levels and for any home or office needing to make algebraic computations from time to time, Casio has created the FX-260 solar scientific calculator. An indispensable tool for students from high school onward, in lab classes, and for exams, the FX-260 features a two-line display, complex number calculations, and an algebraic mode, which displays the example precisely as written. Always powered up, it's useful as a household/office calculator for calculating finances, converting cooking measurements, and anything else you can think of when you wish you had a calculator at hand.

The clear, readable two-line display exhibits 10 digits in large numerals, showing the problem and answer together and permitting better tracking of your equations. With the Casio FX-260, you can quickly clear errors with the backspace key. You can also call upon 144 built-in mathematics functions and several fraction functions for basic equations and for fun. Plus, call upon the FX-260's basic scientific, exponential, and trigonometric functions for everything you need to complete your assignments and lab work. Key in and program formulas to save for future uses.

The Casio FX-260 provides one independent and six constant memory keys. It has a pragmatic key layout, making this an easy-to-use basic scientific calculator offering all the functions you'll need in a solidly constructed unit. Also, solar power means never replacing batteries. --Barbara Price

Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance Calculator

from Calculated Industries

CALCULATED INDUSTRIES Real Estate Master IIIxThe ideal tool for new agents and professionals who dont require buyer qualifying functions. Calculate complete payment solutions, amortization combo loans, ARMs, rent vs buy comparisons and much more. Enter loan scenario in any order and quickly solve for PITI and other what ifs Features include: complete payment solutions including PITI and interest-only amortization with remaining balances, calculate combo loans (80:10:10, 80:15:5), bi-weekly loans, ARMs, easy rent vs buy comparisons and estimated tax savings, future value, property appreciation and more. Includes protective hard slide cover, quick reference guide, easy-to-follow users guide, long-life batteries, and full one-year warranty SuppliesNet item (CA405)