This calculator was used for only three months to help me get through a tough college class. This includes the calculator, leather case, owner's handbook, batteries and original packaging. It works great and had no noticable scratches or external damage. (I got an A in the class...thanks for asking!)

This item retails for $69.99

For professionals in real estate, banking and finance. The calculator more professionals rely on. What makes the HP 12C the industry standard in financial calculators? Power. It has 120 built in functions to ensure that the calculations that you need are available when you need them. It lets you enter data and perform calculations quickly and efficiently with its RPN (reverse polish notation) keystrokes. And with the millions of users all over the world, you know it is reliable. The HP 12C. The smart choice because it's the industry's choice.

FEATURES

• Over 120 built in functions for business, finance, mathematics and statistics including date calculations. Allows 20 different cash flows for internal rate of return and net present value solutions. Quickly calculate loan programs, interest rates, amortization, discounted cash flow analysis, interest rate conversions, standard deviation, percent, percentage change and forecasting based on linear regression to name a few. Calculate mortgage payments, balloon payments, depreciation, bond prices and yields with just a few keystrokes.
• Efficient data entry using RPN. With RPN, fewer keystrokes means fewer entry errors. Enter a series of keystrokes into memory, then execute your program with a touch of a button.
• Small size makes it easy to take anywhere
• Long Battery life
• Actual size (5 x 3.1 x 0.5 in)

Allows for 20 different cash flows for internal rate of return and net present value solutions. Quickly calculate loan payments, interest rates, amortization, discounted cash flow analysis, interest rate conversions, standard deviation, percent, percentage change and forecasting based on linear regression, to name a few. Calculate mortgage payments, balloon payments, depreciation, bond prices and yields with just a few keystrokes.