The TI-84 graphing calculator can be used for financial calculations. With the TI-84, you can calculate present value, future value, and interest rate. The TI-84 can also be used to calculate amortization schedules.
You can use Excel instead of a financial calculator by creating a spreadsheet with the necessary inputs and formulas. This can be done by hand or by using a template.
Yes, accountants still use 10 key calculators. In fact, many accountants prefer 10 key calculators to standard calculators because they are faster and more efficient. 10 key calculators are also more accurate than standard calculators, which is important for accounting purposes.
No, you do not need a scientific calculator for accounting. A scientific calculator can be useful for some accounting calculations, but it is not necessary. A scientific calculator can be helpful for calculating interest, depreciation, and other financial accounting calculations. However, a scientific calculator is not required and most accounting software programs can perform these calculations for you.
4.8/5
Features custom fractions
Batteries included
Works in all building dimension formats
$234
I love the functions on this calculator. It does absolutely everything I need and a LOT more. What is lacking, for me, first and foremost, is button accuracy. Sitting flat on my drawing table, with nothing to absorb my presses, I get missed key presses far too often. I am used to blind entry on a 10 key numeric keypad, and my old Construction Master made it 25 years before it was time to let it go. I have had this one less than a year, and it is not wearing out. It has been that way since out of the box. So I lose time watching every key press, every single time. That extends bid time out a good bit when adding up a large project. And I am still not 100% comfortable with my numbers a lot of the time. A lot of double and triple checking myself to make sure what my fingers felt is what went into the equation. Second thing, for me, is even with the adjustable angle readout, I get a glare most times and have to move it around to get just the right lack of reflection on the readout. Seems to me a slightly matte finish that doesn't bounce light so hard might be better, but I am not about to scuff up the screen.As for the function and accuracy, as long as the keys record my input correctly, you can beat this one! As far as that, I trust it
4.6/5
Rpn and algebraic data entry
Simple, easy-to-read 1-line-by-10-character display
Keystroke programming, up to 400 steps
$234
Before the LCD on my original 12c started to fade, it lasted 30 years; I adored it. My second 12c is a 30th Anniversary Edition that has a sticky 9 key and now throws an error when turned on that must be cleared by turning it off and back on numerous times. Although it still performs as intended otherwise, it's a letdown, especially after only 4 years of use. But given its long history, I think HP made a big error by having it made in China. My new 12c Platinum arrived today, and I'm glad it was made in the Philippines. I particularly admire that HP appears to have transferred product ownership to Boeblingen; that location is distinctly German, somewhat implacable, and unwaveringly committed to engineering quality. I therefore have high hopes for this device's lengthy lifespan. Layout remains the same. Unlike the somewhat larger/less bold typography of the anniversary edition and the original 12c, the print on the keys is bold, similar to the current ordinary 12c (which I prefer, but that is subjective). The LCD numbers are higher, which may make them slightly easier to read, although the contrast is slightly lower. Like in the picture, the nameplate and bezel are metallic silver. Naturally, the functionality is vast and thorough as usual.I believe the 12c is in a league of its own.
4.6/5
Modern white design
Functions include: grand total key, double zero key, backspace key, automatic tax keys, percent key, 4 key independent memory, extra-large plus key, sign change, and automatic power down
Durable plastic keys
12 digit large LCD screen with fold up kickstand
Cost/sell/margin keys make for quick and easy profit margin calculations
$234
Here are the "good" and "bad" on this product.s.s.ADVANTAGESs.1. USER APPROVED: It is one of two 5-star rated calculators on the Amazon website. Of the two, it has the most user ratings.s.2. REPUTATION: The SHARP brand has a long history of manufacturing inexpensive, useful, and durable calculators.s.3. VERSATILITY: For the record, the device has program keys for accountants: COST, SELL, and MARGIN. For all other users, there is an abundance of function keys: GRAD TOTAL, DOUBLE ZEROS, BACKSPACE, and PERCENTAGE.s.4. USEFUL: Little things make life easier for the operator: automatic power down, two power sources for uninterrupted operation - solar powered and emergency watch battery cell, and mathematical sign changes. The display screen is big - 40 users are able to see without squinting. Long numbers are broken up with commas after every three numerals.s.5. ATTENTION TO DETAIL: There are two things that competing models do not have. First, there is a plastic piece on the bottom. Swing it out, the device becomes a tilting desk calculator. Second, push any key down - it makes a sound. Release it - there is another sound. The noise assures the user that the information was registered and accepted by the calculator.s.6. PRICE: It is only $1 more than the cheapest basic calculator.s.7. VALUE: No other calculator has such useful features for such a reasonable price.s.s.DISADVANTAGESs.1. It is missing several useful things: a protective top cover, calendar, world time with day-light savings, alarm clock, stop watch, and "talking" - audio pronunciation of numbers and operation.
4.6/5
Complete PITI payment solutions to demonstrate interest only and other "What If" scenarios
Versatile buyer pre-qualifying for conventional and FHA/VA loans to show homes within price range. LR44 batteries required (best with Polaroid LR44 batteries)
Calculate combo loans (80:10:10 and 80:15:05), bi-weekly loans, ARMs provide flexible payment options
Easy rent vs. buy comparisons and estimated tax savings show benefits of ownership
Amortization with remaining balances
$234
I needed a calculator for my mortgage loan assistant work. I went to the local department store and purchased a Texas Instruments BAII Plus calculator for just under $40. I returned it 2 weeks later as; 1) I thought it felt cheaply made while using it, 2) Display was hard to read, and due to the crystal being somewhat set below the window, unless your light source was directly above the calculator, the shadow on the edge of the display partially obscurred the digit(s) (s). Then I went to Amazon.com and read reviews of competing financial calculators. After doing so I decided on the Calculated Industries Qualifier Plus IIIx. For just a couple of dollars more, I got what I feel is one heck of a calculator! The display is much better to read (no shadows and brighter) (no shadows and brighter). The buttons are 'soft-touch' which makes so much difference in the feel of the calculator, not like the cheap feeling ones on the Texas Instruments. Also, the "000" button on the Calculated Industries is a godsend. When you are dealing with mortgages, and most figures in the thousands, why in the world wouldn't every financial calculator have a thousands ("000") button? That button alone probably saves you pressing the zeros button 50 times a day! Thank you Amazon.com and all of those who add helpful reviews that add to a rewarding purchase such as this.
4.6/5
Financial calculator designed for real estate and mortgage professionals. LR44 Batteries Required, Best with Polaroid LR44 Batteries.
Complete taxes and insurance for PITI payments; automatic sales price and down payment calculations; more
Includes 2 3-volt lithium batteries, pocket user guide, quick reference guide, protective slide cover
Plastic back, aluminum front, soft rubbed buttons
5-1/2 by 3 by 0-1/2 inches; display dimensions 0.86 by 2-1/2 inches; 3.2 ounces; 1-year warranty
$234
As I decide I was going to go back through my entire purchase history to write reviews for other potential customers, I decided to stay away from two types of reviews: personal electronics (because the industry changes so rapidly and my review, although still valid for that product, would be seen by exponentially less people as months go on), and personal items (because the world doesn't need to know why I love a brand of adhesive bandages used to prevent chafing nipples when I run).I decided to write a review on this product, however, even though it closely fits into the "personal electronics" category.This is a simple calculator that anyone (yes ANYONE) should buy. It brings the complexity of time-value-of-money to any layman's hands. I actually first saw this calculator when I went shopping for my first mortgage. I saw the loan officer using this and was able to spit hypothetical numbers at me faster than I could comprehend them. I went home, bought this, and was armed for our next meeting.Pros:s1. FANTASTIC customer support. Even after reading the manual, I had a question that I couldn't figure the answer to. I emailed the company and within a few days received a complete answer. It was nice I never received an automated email from them, nor did I get an email that gave me a bunch of links to where I could find the answer. The email I received was from a representative who knew the right answer and wrote the email as if to talk me through what to do. At no time did I feel stupid or that I was bothering them. This was impressive.2. Simple calculator combined with an extensive time-value-to-money calculator. Many specialty calculators (graphing, for example) have so many buttons that it would confuse the casual user, making him feel as if he only uses 10% of the calculator's potential at any given time).3. Easy to learn. I took about 20 minutes and sat down when I first got this to learn how it works. I am of average intelligence and simply committed to learning this. The ease-of-use allowed me to talk on the phone with a loan officer many times and crunch numbers with her — throwing numbers back and forth.4. There is a small pocket built into the back of the calculator where the user manual sits so that if any information is forgotten, it can quickly be referenced. This pocket tucks the manual away nicely so that it doesn't get torn.5. iOS app with the software to run this same calculator. I still prefer having the calculator in my hand, though. The option is available, though.6. This may seem petty, but I love the 000 button. It saves time from typing three zeros all the time. One wold think it is silly to write this as a "pro" but I find this button very helpful.Cons:s1. Although there are one or two features I would like to see added (such as a yearly amortization schedule - for some reason, I can only get it to show me monthly), I can honestly not think of any cons at this time.2. Sometimes I get frustrated with the payments per year option and how to change it. Admittedly, this is my fault.Bottom line: Essential for the casual user through the professional banker. If you are going to spring for a simple calculator, get this one (you won't regret it).
4.4/5
Texas Instruments BA-II Plus Adv. Financial Calculator (BAIIPLUS)
$234
I needed this for my personal finance class, and while it performs TVM very easily, the keys are awful to push. When you are working on a test and the keys are frustrating, you have to input everything again or take more time to ensure that every single key you press is actually being recorded, which can get messy. Overall, it's the least expensive calculator I've ever had to purchase for a college class, and it's a terrific one. It completes its task.
4.3/5
Profitability calculations; cash flow function Calculates NPV and IRR for uneven cash flows
Time-value-of-money and Amortization keys solve problems including: pension calculations, loans, mortgages, etc.
Ideal calculator for students, managers and statisticians
Built-in functionality : List-based one- and two-variable statistics with four regression options: linear, logarithmic, exponential and power
$234
I have used a variety of financial calculators for the few college accounting courses I had to take. (I kept losing my calculators and had to get new ones.) This one, out of all the ones I've used, is by far my favorite. In high school, I previously utilized TI Scientific Calculators. The BA II and TI-83 are quite comparable in terms of use. The cost is among the lowest I've discovered. It is considerably more compact and lighter than the TI-83 Scientific Calculator. Although the two calculators perform very different tasks, the BA II's structure and layout are comparable to those of the TI-83. It comes with a pretty straightforward instruction manual. I had to experiment with this calculator for a good one or two hours outside of class before I felt confident using it frequently. I would advise any student who needs to take a finance or accounting class to use this calculator rather than any other financial calculator. Additionally, this calculator is quite durable. The only "maintenance" my calculator needed over the course of 4 years (apart from the fact that I kept losing it) was a single battery replacement.
4.3/5
Profitability calculations; cash flow function Calculates NPV and IRR for uneven cash flows
Time-value-of-money and Amortization keys solve problems including: pension calculations, loans, mortgages, etc.
Ideal calculator for students, managers and statisticians
Built-in functionality : List-based one- and two-variable statistics with four regression options: linear, logarithmic, exponential and power
$234
I own both the 10bII and the HP 12C "Platinum" model. The 12C is essentially the most well-known financial calculator because it has been used in the finance industry for a very long period. With a speedier processor and the capacity to perform some equations that the earlier 12C model cannot, the "platinum" edition stands out.Having said that, there are a few reasons why I much prefer the 10bII calculator to the 12C.First off, VERY IMPORTANT NOTE: YOU MUST SET THE [P/YR] KEY (PERIODS PER YEAR) TO THE CORRECT SETTING WHEN YOU RECEIVE YOUR HP 10BII ! IF NOT, ALL OF YOUR CALCULATIONS WILL BE WRONG AND CAUSE EXTREME STRESS! Press [SHIFT RED] first, then [C ALL] while holding it to accomplish this. The selected period(s) every year will flash on the screen in the current setup. The default setting for most calculations is one period per year because any necessary adjustments (like monthly compounding) may simply be made by adding an additional equation item for each calculation (example shown below). Then, press [P/YR] after pressing [SHIFT RED]. Never mind the "error" warning. Press "1," then [SHIFT RED], [P/YR], and "1" again. The number of days in a year has now been fixed to 1. To verify, press [SHIFT RED] and hold [C ALL]; the screen should read "1 P YR."Keyboard layoutCompared to the key layout on the 12C, that on the 10bii makes a lot more sense. For instance, CFj and Nj are positioned on different keys on the 12C, whereas they are on the same key on the 10bii . Calculating cash flow is more simpler as a result. To enter a negative value as an initial investment (outflow), the 12C employs the obscure [CHS] (change symbol) key, whereas the 10bii has a [ /-] key; the latter makes far more sense to me.2) Increased Calculation PrecisionFor example, how long will it take $5,000 to increase to $10,000 if interest rates are 5% annually? Answer = 14.2067 years), the 10bII gives you the precise answer to four decimal places, while the 12C rounds the result up to 15. The 12C's failure to provide an accurate numerical response is highly frustrating.3) IntuitivityThe main difference between the 12C and the 10bII , in my opinion, is that while most of the steps for calculation entry are roughly the same for both (taking into account their respective unique key layouts), I believe that for some equations, the 10bII 's calculation steps are more logical and simpler to remember than the 12C's. Here's an illustration:Calculate the future value of $1,000 invested for a period of five years at a compounded monthly interest rate of 6%.12C Keypresses———————-1000 [CHS] [PV]0 [PMT]6 [ENTER] 12 [÷] I5 [ENTER] 12 [x] [n][FV] =1,348.8502Keystrokes: 10bII —————————1000[ /-][PV]0 [PMT]6 [÷] 12 [I/YR]5 [x] 12 [N][FV] =1,348.8502Okay, so having different entries for steps 3 and 4 (entry of interest rate and time period) may seem like a minor difference between the two calculators, but in my opinion, the way the 10bII lets you enter the time period and interest rate in a scenario where you have to do monthly (or other time period) compounding is much more intuitive and much easier to remember than that on the 12C.4) Price variationThe price of the 10bII is $25, while the 12C is $55 ($66 for the platinum version).Last but not least, regardless of the type of financial calculator you purchase, be sure to get a copy of Kaplan Schweser's book "Understanding Your Financial Calculator"; it includes hundreds of step-by-step instructions for resolving a wide range of financial equations and details the keystrokes for the 12C, the 10bII , and other widely-used financial calculators. Without this book, unless you're a seasoned professional with extensive experience with financial calculators, you won't be able to make the most of the calculator. uses 2 CR2032 batteries, which are also provided, and is powered by a vinyl carrying case.
4.3/5
Over 120 built-in functions for business, finance, mathematics, and statistics, including date calculations
Portable Design
High Quality and Durable F2231AA#ABA , # 2073274
Robust and versatile financial calculator
Efficient data entry using RPN
Energy Star Certified
Small size; easy to take anywhere
$234
Do I get the HP12c or the TIBAII? is likely the question on your mind if you are reading this review. I was given the HP12c by a finance professor, and the TIBAII by another finance professor. What transpired after I bought both and read their 300 page instruction manuals is as follows:Once you learn to utilize RPN (contrast with algebraic for those guys who don't know what I'm talking about), the HP12c is substantially faster and, more importantly, far more comfortable for practically any calculation. I never have to stop and say, "Okay, must write this value down (or save it) so I can bring it back up later when I need to add it to the next value." Instead, I can chain the entire equation out to compute standard deviation without stopping or storing a single number. I was the first to finish a statistics test when I accomplished this. Everyone else was still tackling issues, so I started to worry. But guess what? No one wants to learn a new system because RPN intimidates people, thus I was the sole student utilizing the HP12c. Be confident: it's amazing.On the other side, the TIBAII "worksheets" are actually pretty helpful. Bonds are not set to 30/360 by default on the HP12C (which may be programmed, according to the handbook, in roughly 40 stages; I'm currently learning about this). Conveniences like combination and permutation buttons are available on TIBAII. Guess why, though? The HP12c doesn't require such buttons because, as I just explained, you may chain those computations without even thinking about it. The additional functions have a significant positive impact on TIBAII's algebraic notation. As a result, TIBAII seems to offer extra value that HP12c, in all honesty, does not need.I could offer additional instances similar to this. The worksheets on the TIBAII enable for error-free entry and provide a few more results that are "useful" (meaning beneficial for the TIBAII; HP12c users are fast performing them from memory) (discounted payback, multiple IRR, NFV—i have the plus professional— for example).Who ought to utilize the HP12c? According to my observations, the HP12c is used by those who are adept with numbers and desire a gadget that keeps up with their computational intuition. You can chain together some very lengthy computations in interesting ways, as I've already mentioned. The point is, I would say that the HP12c can make you into that kind of guy, so if you are not that kind of guy, it's not going to be that valuable for you. After mastering the system, there are several opportunities.The TIBAII is clearly a "safer" calculator. It is also more technologically advanced. The worksheets have value. They provide you useful outputs (good for the CFA, yeah) (useful for the CFA, yes). But the HP12c user would warn you(rightly) that some of these are crutches that will result in you forgetting how to conduct the calculations (combinations, permutations) (combinations, permutations).Here's what I've done: I use the HP12c for everything I can, and I utilize the TIBAII for the 30/360 bond worksheet (and the discounted payback and a few other features that would save time on the CFA) (and the discounted payback and a few other features that would save time on the CFA).So my goal is to use the fastest constantly, and to always give emphasis to me KNOWING a calculation—not blindly relying on a button. HP12c is the overall winner, however the TIBAII has a tiny part on my desk.Buying both calculators is really not that great of an expense.One final note: the architecture of the HP12c is so much more fluid than TIBAII's lame scientific-calculator look. Every time I pick up the HP12c, I esthetically enjoy it. I have the platinum version, and gosh does it feel wonderful.Good with math? Need a tool that allows you to exress that? You need HP12c's RPN. Like the safety of support? Like extra features you don't have to know how to calculate yourself? Need the 4-5 things that TIBAII offers quickly (for the CFA, for example?)?: buy the TIBAII. Are you like me? Want the RPN but also need that 30/360 bond worksheet? Use HP12c 95% of the time, then pick up the cheaper-feeling, plastic-y, scientific-y TIBAII (which is, nonetheless, a good product) (which is, nonetheless, a good product).One final thing: Once you learn RPN, you will be ruined for algebraic. The fact that I say that should tell you a lot. When I use algebraic on the TIBAII, I find myself thinking "what idiot would actually prefer this crap over RPN?" I know I shouldn't, but I now tend to assume people who are bad at math would naturally avoid RPN and the HP12c. Again, that's a very biased statement, but one that, even acknowledging it's biased, I still say.Okay amigos, let the comments begin.
3.9/5
BAII Plus Financial Calculator, 10-Digit LCD
$234
I only needed to look up how to reset it on Google so that the mortgage calculations were accurate. Here's a fix for it.https://epsstore.ti.com/OA HTML/csksxvm.jsp?nSetId=74829When calculating the Time Value of Money with the BA II PLUS and BA II PLUS PROFESSIONAL calculators, what could result in an inaccurate result?When calculating the Time Value of Money, the BA II PLUS or BA II PLUS PROFESSIONAL calculator may have erroneous settings or the user may have entered the calculation incorrectly. A list of steps to take is provided below in case the calculator produces an unexpected result.The memory variables [N], [I/Y], [PV], [PMT], and [FV] each contain values from a prior issue. If these values are not removed, the subsequent calculation can contain errors. Press [2nd] [FV] to erase all Time Value of Money memory variables.• Inaccurate settings for payments per year (P/Y) and compound payments per year (C/Y). Make sure the calculator is configured to solve for 12 payments per year when calculating for monthly payments (monthly payments). To do this, press [ENTER] [2nd] [CPT], input 12, and [2nd] [I/Y]. Make sure the calculator is set to solve for a single payment per year when calculating yearly problems, such as bonds (yearly payments). To do this, press [ENTER] [2nd] [CPT], input 1, and [2nd] [I/Y]. The payments per year and the compounds per year may vary in rare circumstances. Press [2nd] [I/Y], enter the custom value, and then press [ENTER] to input custom values for both. This will determine the yearly payments. In order to access the C/Y setting, press the [down arrow] key. After entering the required value, hit [ENTER] [2nd] [CPT].• Incorrect values entered by the user. The inflow and outflow rule is used by the calculator. You must input it as a negative number to represent an outflow, such as a monthly payment. A bank loan is an example of an inflow because the money is coming from the bank to you. Positive numbers are used to represent these values. The most common entries are [PV] as a positive value and [PMT] as a negative value.• Wrong payment setting Typically, payments are due at the conclusion of a payment term, like a mortgage, or at the start of a payment period (annuity due). Make sure "BGN" is absent from the calculator's display before performing calculations at the end of the payment term. To get rid of "BGN" if it's there, press [2nd] [PMT] [2nd] [ENTER] [2nd] [CPT]. If "BGN" is not visible on the display and the user is trying to solve a problem with annuity payments, they should press [2nd] [PMT] [2nd] [ENTER] [2nd] [CPT] to make "BGN" visible.Look through the BA II PLUS and BA II PLUS PROFESSIONAL guidebooks for further details and examples of how to use the calculators.
Yes, Microsoft has a budgeting tool. It's called the Microsoft Money Plus Sunset Deluxe personal finance software.
Microsoft does not have a financial calculator. However, there are many financial calculators available online and through financial software programs.
Excel is a powerful tool that you can use to calculate finance. You can use it to calculate interest, payments, and more. Excel can also be used to create financial models and simulations.
You can get a Microsoft calculator in a few different ways. One way is to go to the Microsoft website and search for “calculator.†This will bring up a variety of different calculator options that you can choose from. Another way to get a Microsoft calculator is to go to the Windows Store and search for “calculator.†This will bring up a variety of different calculator options that you can choose from.
There's no easy answer to how much money you should put away every year. It largely depends on your financial goals and how much you can afford to save. If you're simply looking to build up a cash cushion for emergencies, you might only need to save a few hundred dollars each year. But if you're aiming to save up for a down payment on a house or retirement, you'll need to sock away much more. The best way to figure out how much you need to save is to sit down and create a budget. Once you know your annual income and
Assuming a reasonable rate of inflation, $1000 should be worth quite a bit more than it is today. In 20 years, $1000 could easily be worth $2000 or more. This is why it's important to invest money wisely, so that it can grow and keep up with the rising cost of living.
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