Top 10 Best Financial Calculator In 2019 {Buying Guide}

best financial calculator 2019

If you’re contemplating purchasing a best financial calculator, here is a list to help you out.

Financial calculators are a great asset for both professionals and students and are an absolute must for CFP,/CFA exams. 

For precise calculations coupled with unparalleled quality components, the following calculators are set to deliver to your needs to ensure the accuracy of your work.  

Buying a best financial calculator requires great deal of thought which should take into account the need for usage, spending capability, functions required and the ease of operation.

For example, if you are looking to solve advanced math/scientific problems, the salient Hewlett’s will not serve well since they fall short at advanced science and graphics.

Here’s a sincere feedback for the 10 best financial calculators with their highlights and hiccups to help you pick one that best suits your needs. 

S.No

Product Name

Item Weight

Battery

Editor's Rating

Price

#1

HP 12CP

9.6 ounces

1 CR123A batteries required. (included)

buy at amazon

#2

Calculated Industries 3405

3.2 ounces

1 Lithium Metal batteries required. (included)

buy at amazon

#3

TEXBAIIPLUS

0.32 ounces

1 Lithium Metal batteries required. (included)

buy at amazon

#4

HP 10bII+

8 ounces

2 Lithium Metal batteries required. (included)

buy at amazon

#5

HP 17BII+

12.8 ounces

2 Lithium Metal batteries required. (included)

buy at amazon

#6

Casio FC-200V

12 ounces

1 Lithium Metal batteries required.

buy at amazon

#7

Sharp EL-738FB

6.4 ounces

1 Lithium Metal batteries required.

buy at amazon

#8

Calculated Industries 43430

13.6 ounces

1 Lithium Metal batteries required. (included)

buy at amazon

#9

DM15L

12 ounces

1 Lithium Metal batteries required. (included)

buy at amazon

#10

Victor 6500

9.6 ounces

2 AA batteries required

buy at amazon

List Of Best Financial Calculator in 2019

1. HP 12CP Financial Calculator :- One of the Best Financial Calculator

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HP 12CP Financial Calculator
  • High Quality and Durable F2231AA#ABA , # 2073274
  • Portable Design
  • Energy Star Certified
  • Robust and versatile financial calculator
  • Over 120 built-in functions for business, finance, mathematics, and statistics, including date calculations

Hewlett Packard put a feather in its cap by producing the best Calculator of all time- The HP 12 CP.

The predecessor, HP 12C was originally Introduced in 1981 and with all industry calculations, remains the best selling product of the American IT Giant, HP so far. 

The 12C Platinum was furnished to enhance the capabilities of the 12C.

 The significantly faster and elevated version of 12 C sells under the name of HP 12C Platinum and is made keeping in mind the demands of a contemporary financial professional. 

Some key advantages are:

  • Perfect fit for the world of accounting, real estate, finance, banking and business studies.
  • About 120 built-in functions.
  • Calculate Interest rates, mortgage and other loan payments and find out the yields to all your investments.
  • For complex calculations such as finding out the mean, standard deviation, weighted mean, linear regression and forecasting, HP 12C Platinum is a world class device.
  • Offers date arithmetic, undo and backspace keys; runs on just one CR2032 battery which comes along with it.

Ideal for use on the CFP and CFA certification exams, it is also permitted on the GARP FRM exam.

The tactile plastic buttons make it almost error free because you feel the feed of every input.

Though it is considered to be a little pricey, this platinum version holds and extends the same reputation as the classic 12C with a faster processor that is 6 times better than the original and extends 4X the memory.

The LCD screen offers a clear display of the numbers and is readable under any light or angle. Any wrong entry can easily be undone by the Backspace key.

With 20 memory registers and one-year manufacturer warranty, the HP 12 CP shines bright amongst all its competitors.

2. Calculated Industries 3405 RE Best Financial Calculator

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Calculated Industries 3405 Real Estate Master IIIx Residential Real Estate Finance Calculator | Clearly-Labeled Function Keys | Simplest Operation | Solves Payments, Amortizations, ARMs, Combos, More
  • DEDICATED FUNCTION KEYS means quickly and confidently providing financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
  • INSTANTLY SOLVE the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
  • SPEAKS YOUR LANGUAGE with keys labeled in residential real estate finance terms like Loan Amt, Int, Term, Pmt; calculator is super easy to use as an analyst on financing matters to determine a mortgage loan that works for your client
  • QUICKLY FIND THE RIGHT LOAN for your client at the press of a button, calculate 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
  • MAKE YOURSELF 'INVALUABLE' to your clients by reducing confusion and headaches; ensuring you are able to make a purchase offer; knowing if your clients can afford the down payment; and determining which is the right loan for your client. Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, 1-year warranty

Loved by the real estate brokers worldwide, this 3405 RE Financial Calculator by Calculated Industries is the most qualified device to perform any real estate calculations such as mortgage payments, down payments, compound interests etc.

It is adept at computing combination loans, payment solutions and solves rent vs. buy dilemma in seconds.

You may calculate the monthly loan payment amount, down payments required on the  property and correct 

 digits for taxes, insurance and other associated payments down to the decimal point. 

A few advantages are:

  • Plastic black with aluminium front and soft rubber buttons
  • The Real Estate Master 3405 comes with a slide cover for enhanced protection, quick reference guide and a pocket user’s guide for convenience.
  • Rent vs. Buy comparisons are simpler to compute on this device and so is the rent price, mortgage price, down payment and future value predictions.
  • Auto shut-off when not in use for preserving battery.
  • Ease of computing Tax, Insurance, Mortgage, Sales Price, Down Payment and Interest Payments

This calculator is powered by the two LR44 batteries that are included with the purchase of this device.

One set of included batteries run up to 800 hours and the calculator auto shuts off for power saving after 10 minutes of no usage.

Backed by one year manufacturer’s warranty, the Real Estate Financial Calculator 3405 measures 5.75 x 3 x 0.6 inches and weighs just 90 gms.

The sleek design, dedicated function keys, and the clear labeling make it one of the top choices for a best financial calculator for its ease of carrying and polished outlook.

Best choice for letting the new home buyers understand the exact digits of payment with its built-in math functions. 

3. Texas Instruments BA II Plus Financial Calculator

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TEXBAIIPLUS - BAIIPlus Financial Calculator
  • BAII Plus Financial Calculator, 10-Digit LCD

Designed for business professionals and students, this calculator allows complex financial functions as well as common math solutions.

The worksheet mode provides for the amortization, depreciation, compound interest and bond calculations and all these worksheets are conveniently stored in the device’s built-in memory.

Advanced list-based statistics and cash flow analysis are just a matter of few keys presses.

It computes NPV and IRR for uneven cash flows as well. A must-have device for statisticians, managers and students alike, Texas Instruments BAII Plus Financial Calculator comes handy at calculating the Time value of money,  and other pensions, loan and mortgage complexities. 

Features Includes:

  • Much like its rivals, this Texas Instruments master device is one stop shop for over 250 functions.
  • A quick guide manual for deeper understanding.
  • Hard slide case that guards the screen against bumps and scratches.
  • Colored coded keypad
  • Runs on one lithium metal battery that’s included with the purchase
  • Fast processor and highly responsive keypad

Distinct colored keys allow for the ease of remembering functions with the color code, making it a completely hassle-free experience, avoiding confusion and double reading of the keys at the time of calculation.

A dependable partner to take to the finance class as well as to your job in the finance field. It’s efficient, simple and saves quite a lot of time with its multiple functions by avoiding on-paper calculations.

4. HP 10bII+ Financial Calculator :- Best for Accounting Students

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HP 10bII+ Financial Calculator (NW239AA)
  • HP 10BII+ Financial Calculator.
  • The HP 10bII+ is the smart choice for business and finance needs.
  • You'll be able to work quicker and more efficiently with over 100 time-saving, easily-accessible business functions.
  • Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, and more.
  • With so many useful features, and an affordable price, the HP 10bII adds up to a wise investment. Permitted for use on the CFP Certification Exam.

Boasting of a faster processor for immediate results than the original HP 10BII, this advanced 10BII+ can also solve far more equations than other calculators in its league.

It has a reputation of being highly intuitive and investors swear by it since minimal keystrokes are required for many common functions.

Quick calculation of asset values, statistical data entries, regression options and limitless frequency of cash flow makes it an ideal choice.

It is a highly popular choice in the industries and businesses such as Finance, Banking, Real Estate, Accounting and many more. 

The assurance the keys give when you hit them makes it more desirable than some of its competitors as it does not allow any room for error.

Though this model comes with a quick start manual, the detailed user manual can be downloaded from the Hewlett Packard website and there are plethora of youtube videos explaining its usability and functions in deep details, making it an unquestionable buy. 

Features Includes:

  • Responsive keys leave no room for mistakes
  • Over 170 functions make it ideal for tests, finance, accounting, real estate, statistics and math functions.
  • Calculate Time Value of Money, Bond Valuation, Standard Deviation, loan payments, interest rates, conversions, TVM, NPV, IRR, prediction, trigonometry, hyperbolics, permutations and combinations, correlation and probability.
  • Approved for use during exams- SAT, PSAT,NMSQT and AP tests
  • Faster processor extends no waiting time for complex calculations.
  • Auto shut off preserves battery life.
  • Calculator works on two CR2032 batteries and has built in memory of 22 registers.
  • Backed by HP’s remarkable quality and reliability.

Perfect for students and professionals alike, HP 10BII+ also has an incredible price- performance point, albeit without the RPN function. If you cannot do without the Reverse Polish Notation, this is not the device for you.

Other than that, this HP champion is a complete package with a sustainable case frame and straight to the point interfacing.

The clean layout, lightweight, easy to read display, quick execution of all functions make it the best of its class.

5. HP 17BII+ Financial Calculator :- One fine Best Financial calculator

HP 17BII+ Financial Calculator, Silver
  • HP Solve customizing method
  • Alpha and numeric keyboard
  • Over 250 built-in functions
  • 2-line by 22-character LCD
  • List-based cash flow analysis

One of the most dependable and intuitive calculator, HP 17BII+ offers unmatched ease of programming with a quality build.

It is quite convenient to use and serves its purpose well in all finance courses and business calculations.

Though it can operate both in RPN (reverse polish notation) and algebraic modes, most users vouch for the RPN setting.

In this upgraded version, the keypad and enclosure have been completely overhauled making it superior to the original HP exemplar 17BII.

This calculator is incredibly performant and versatile while being fully programmable to suit your custom equations and complex calculations. 

Some impressive key points are :

  • Over 250 built-in business and financial functions including Time Value of Money, NPV, IRR, NFV, NUS, bonds, cash flow, depreciations, statistics and more
  • Built in clock, calendar and alarm to manage time and data
  • Approved for use on the CFP Certification Exam
  • Ideal for real estate, accounting, banking, finance, business studies
  • Runs on two CR2032 Battery which are included with the device
  • Carries 28 KB memory for complex tasks

Easily portable because of its compact size, the 17B++ also offers adjustable screen contrast for the ease of reading.

The 22 digit 2 line LCD display serves for accurate calculations displaying several decimal places. The HP 17BII+ offers modern carbonite and alloy metallic finish with soft rubber keys and vertical layout for supreme comfort and style.

Just like its top competitors, this powerful performer also offers auto shut off after 10 minutes of no use to elongate the battery life. 

6. Casio FC-200V Financial Calculator

Casio FC-200V Financial Calculator with 4-Line Display
  • Financial Calculator
  • Design that delivers High availability, scalability, and for maximum flexibility and price/performance
  • Made in United states
  • Full dot, 4-line display
  • Cost/sell/margin, investment appraisal, amortization

This Financial calculator offers a four-line dot matrix display and is a popular choice for its ease of operation over other players of the race.

Boasting a four line display, this pocket computer allows easy input, confirmation, change and correction of each parameter.

Calculations are made simpler by just keying in data and functions and hitting the result key. Packed with numerous features, Casio FC-200V’s unique selling point lies in the solar panel and backup battery option.

It is an ideal device to calculate loans, depreciation, appreciation, mortgages and other financial equations and costs almost nothing compared to its heavy priced peers.

This casio powerhouse serves well for simple and compound interest calculations, investment appraisal, amortization, converts percent interest and effective interest rates, day calculations, depreciation, bond calculations, break-even point calculations and statistics. It is secured by a slide on hard case and displays.

key features such as:

  • Sleek vertical design that delivers all essential financial functions and shines bright at price to performance grid.
  • Built-in functions include Cost/Sell/Margin, Investment appraisal, 10+2 digits, Bond calculation, Break-Even point calculation, effective interest rate and much more.
  • Ergonomically designed slide-on hard case
  • Solar panel backed by one lithium metal battery alternative.

The defining sentence for Casio FC 200V is - An intuitive and powerfully programmed financial calculator, with plethora of user-friendly features.

A financial equation set-up is included along with the scientific and mathematical functions.

The catch is that it does not offer Reverse Polish Notation (RPN mode) but the built-in direct mode keys that let you swiftly glide through the exclusive modes make execution of  the calculation a totally painless task.

Although it has limited use for mortgage calculations, it is still a great addition to all of your calculating accessories in home, school, business or office.

7. Sharp EL-738FB Financial Calculator

Sharp EL-738FB 10-Digit Financial Calculator
  • EL-738FB financial calculator computes all time-value-of-money calculations for business and educational purposes
  • Design that delivers high availability, scalability, and for maximum flexibility and price/performance
  • Manufactured In China
  • New 2-Line display and Play Back Function.
  • Power Supply CR2032 battery

This 10 digit financial calculator is a timeless classic for business students and professionals alike.

It swiftly performs all complex calculations such as Time Value of money(TVM), depreciation, amortization, breakeven, profit and percent difference, cash flow analysis, net present value, effective interest rate, net present value, Rate of return and Bond Value.

Packed with a punch of powerful functions, this is an absolute must-have for every person in finance, economics, real estate, accounting, sales and banking.

It fits perfectly in the hands with its ideal size and prides on its top notch quality, especially for its price range.

Feels premium, works premium and costs unbelievably less for its outstanding quality and performance. 

Here are a few points where this device exhibits sheer brilliance:

  • Protective flip hard cover for safeguarding the keypad
  • Runs on CR2032 Battery
  • 2 line display offers figures and results together
  • Lighter than the Texas Instruments BA II Plus and HP 12 CP
  • Color-coded big keys reduce the chance of error
  • Tactile keypad response with large keys to avoid any error
  • This calculator includes a scroll back function, which allows you to edit calculations without re-entering data.

Unstoppable at just the financial calculations, The EL-738 FB is adept at performing scientific functions such as logs, exponents, probability and trigonometry.

There is a pocket that is highly useful to store cards or some cash doubling it down as a wallet for the ease of storage and extra safety.

The only drawback to list is that one cannot calculate directly from the results obtained from computed-only fields of applications like Amortization which means if you re-enter the amortization application afterward, P1 and P2 will both be reset to 1 but the user friendly keyboard and extensive functionality make up for that minor gripe.

All in all, this Japanese masterpiece is wrapped in supremacy and is a strong buy from all viewpoints.

8. Calculated Industries 43430 Qualifier Plus IIIFX DT Financial Calculator

Calculated Industries 43430 Desktop Qualifier Plus IIIFX DT Real Estate Finance Calculator
  • Versatile buyer pre-qualifying for conventional and FHA/VA loans to show homes within an affordable price range
  • Cash flow, IRR, NVP and NFV; perfect for investors and commercial lenders provides commercial investment solutions for clients without complicated formulas
  • Complete payment solutions, including PITI and interest-only to demonstrate "what if" solutions
  • Calculate combo loans (80:10:10 and 80:15:05), bi-weekly loans, ARMs provide client with flexible payment options
  • Easy rent vs. buy comparisons and estimated tax savings show benefits of homeownership

The Qualifier Plus IIIFX-DT is an outstanding device especially in the business of real estate.

It computes finance and investment problems, multiple cash flows, Internal rate of return, net present and net future values in microseconds of value input.

It also comes with a triple zero key to save time on bigger calculations.

The large keys and easy to read display make it a wonderful choice for the office desk.

Some notable features are:

  • Slide Cover to protect against bumps and falls
  • Compute Amortization, balloon payments, loan comparisons, flexible payment options, rent vs. buy solutions, tax, cash flows and more.
  • Quick sales price and down payments auto-calculations for purchase and finance decisions
  • Runs on one included lithium (CR-2032) battery that has 3000 hours usage
  • One year manufacturer warranty

It comes along with a full size user guide and a pocket user’s guide.

The downside is the 308 gram weight and bigger size making it a little bulkier than its peers of same class but the easy to use functions and the beautiful layout of the keypad makes up for it. 

Much like others, the keys on this device give a solid feedback to eliminate any room for error. 

9. SwissMicros DM15L Financial Calculator

DM15L
  • Advanced scientific calculator
  • A clone of the HP-15C at the exact same size as the original
  • Real buttons give an excellent tactile feedback

This handy piece is fully comparable to the original HP 15C  and comes at the same size of a credit card.

Just pop this in your pocket and you’re good to go.

The solid built of the plush titanium case is further enhanced by the keyboard action and superior display. 

Much cheaper than the HP 15C  and far more powerful than a HP 12C Platinum, the Swiss Micros DM 15L prides on its ease of use where undoing the mistakes is a cakewalk.

It is  a terrific small device for solving linear equations, roots, complex numbers, numerical integration and much more. 

Features Includes:

  • Runs on CR2032 battery.
  • HP 15C clone at an unbelievable price
  • The keys provide wonderful tactile feedback
  • The backside of the calculator has a micro-manual

The sole snag of this piece is that the keys are a little hard to push but nothing you can’t get used to.

Easy to set the processing speed to either 12 or 48 MHz which would translate accordingly on the battery life.

If you were long salivating on the HP 15C but were not convinced with the hefty price tag, the DM15L is an excellent alternative. 

10. Victor Technology 6500 :- 12 Digit Executive Desktop Financial Calculator

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Victor 6500 12-Digit Desktop Financial Calculator, Loan & Mortgage Payments and Interest Calculator for Real Estate, Cars, Boats, and Homes. Battery and Solar Hybrid Powered LCD Display
  • Extra-large 21mm LCD angled display for easy viewing
  • Loan Wizard for easy calculations (simply input any three loan variable to compute the fourth, you also have the option to change payment periods per year)
  • Programmable automatic tax keys for quick calculations
  • Selectable decimal placement for easy currency calculations
  • 3 key independent memory, solar power with battery backup

If you’re looking for a simple, no frills calculator that does its job, look no further than the Victor Technology 6500.

It is priced economically and works great as a loan wizard.

Enter any three loan variables and calculate the fourth one without much effort.

The extra large keys give it the extra size that might not work well for everyone since this is not exactly a pocket machine but its array of functions prove its mettle in the battle of best financial calculator.

Features Includes:

  • Extra-large 21mm display makes it easy to read
  • Programmable automatic tax keys for quick calculations
  • 3 key independent memory, solar power with battery backup
  • Solar panel that is backed with an alternative of widely available AA batteries (2)

This 12 digit metal faceplate calculator is ideal for desktop use.

Notable functions include: automatic tax keys, selectable decimal, square root key, grand total key, percent key, 3 key independent memory, change sign key, backspace key, delta percent, automatic power down, and hybrid power (solar panel with the battery backup).

To sum up, this well designed Victor 6500 comes with adequate capabilities and a 2 year manufacturer’s warranty.

Conclusion

Hope the candid description of each best financial calculator will help you choose wisely based on their functionality, usage, versatility and price.

If your sphere is investment, discounted cash flow calculations will need to be kept in mind while picking one, just like in the territory of real estate, depreciation and amortization calculations need to be kept as top priority.

Let us know which one did you end up choosing and how is it working out for you.

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