Comparison

Financial Calculator vs 12Calc

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Financial Calculator

This intuitive app offers a powerful and accurate financial calculator for various calculations. It handles time value of money, growing annuities, bond valuation, cash flow analysis, investment analysis (IRR/NPV), and loan amortization. RPN support and near-instantaneous results are also included.

Highlights
  • Time value of money calculations
  • Growing annuities
  • Bond valuation
  • Cash flow analysis
  • Investment analysis (IRR/NPV)
  • Loan amortization
  • RPN support
Features
Currently charting
Read full description

Financial Calculator is a simple, yet powerful and accurate intuitive calculator. Video tutorial: http://www.echoboom.com/financialcalculator/ Features: * Time value of money. * Growing annuities. * Calculates N, Interest, Present Value, PMT and Future Value of money. * Bond valuation. * Cash flow analysis in an intuitive interface. * Analyzes investments: Internal Rate of Return (IRR) and Net Present Value (NPV) * Amortization and Loans. Support for Canadian mortgages. * RPN support. * Near instantaneous calculations. -- Note: Please, write to my address under the 'help' section when you believe you found a bug. I do read every email and fix them as soon as possible. I also try to implement all feature requests. -- As for the bad reviews: Please, read the FAQ on the help section if you believe numbers are wrong. It's usually people missing something on the settings when using the financial calculator. All emails have been answered and explained and there has not been a wrong calculation since version 1.1. Please if your email was replied and solved, change the review since it makes it look bad for everybody else.

About

12Calc

This app provides a full-featured financial calculator experience, replicating the functionality of a popular physical model. It offers an audit tape for tracking calculations, a unit converter with currency exchange rates, and various worksheets with interactive graphs for financial analysis. Optimized for modern devices with high-resolution graphics and support for multiple orientations.

Highlights
  • HP12C emulation
  • Audit tape for calculation history
  • Unit and currency converter
  • Interactive financial worksheets
  • Portrait and landscape views
  • Contextual help and tutorials
  • HD graphics with color themes
Features
Currently charting
Read full description

12Calc is a full version of the well known HP12C for the iPhone and iPad. It also includes an audit tape, unit converter, worksheets, rotated views, user guide and HD graphics optimized for iPad and iPhone retina displays. •Runs in 64 bit mode on the latest iOS release and new iPads and iPhones. •Calculations are highly accurate and blazing fast. No more "running" flashing displays for amortizations, depreciation schedules or interest calculations. Work as fast as you can type. •Audit Tape: The audit tape keeps a record of your calculations. You can review, mail, text, share or print the tape. •Unit Converter: Convert between a wide variety of common units and currencies. Currency rates can be downloaded from the internet. •Work Sheets with interactive graphs: Auto Purchase Black-Scholes Bond Break-even Cash Flow analysis Currency Date Depreciation Interest Conversion Lease Loan Amortization (includes option for Canadian mortgages) Margin&Markup Refinance Statistics Tip TVM •Views for all orientations: Portrait and landscape renderings of the full keyboard are provided for iPhone and iPad. The iPad version includes slide over and multiple split view displays as well as side-by-side display of the help page, audit tape, tvm mortgage table or program variables. •Built-in contextual help: Touch the ? key for a description of any keyboard function with examples of use. If you are just learning or can't remember how to use a function- just touch the ? key. Includes tutorials on how to use reverse Polish notation (RPN) and how to solve time value of money problems. •HD Graphics: Graphics optimized for both retina and standard resolution screens. Choose from multiple color schemes including gold, rose gold, brass, copper, silver and several color tints.

Screenshots

Financial Calculator4 screens
12Calc4 screens

Verdict

The call

The clearest difference is rating: 12Calc at 4.9 against Financial Calculator's 3.8. 12Calc also leads on review sentiment (96% vs 54%) and ratings volume (927 vs 6). Financial Calculator's advantage is price ($5.99 vs $8.99) and iOS requirement (8.0 vs 17.6). On update cadence, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Financial Calculator costs $5.99 and 12Calc $8.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

12Calc holds the better App Store score, 4.9 against 3.8. That said, the two scores are not equally well evidenced: 12Calc has 927 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 54% of Financial Calculator's written reviews are positive against 96% of 12Calc's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on October 31, 2026 and November 4, 2026 respectively.

Scorecard7 real differences · 4 level
Financial Calculator versus 12Calc: the parameters behind the verdict, then further details
ParameterFinancial Calculator12Calc
Price$5.99 — better$8.99
Rating3.8 (6 ratings)4.9 (927 ratings) — better
Positive reviews54.3% of reviews95.9% of reviews — better
Number of ratings6927 — better
Update frequencyEvery 5 monthsEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
Best chart rank#110#23 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS8.0 — better17.6
Further details — not scored
Size3 MB6 MB
Age rating4+4+
Developerjoaquin grechErnest Brock

Customer experience

Financial Calculator

All ratings6 ratings
Positive66.7%
Neutral16.7%
Negative16.7%
Written reviews138 reviews
Positive54.3%
Neutral6.5%
Negative39.1%

12Calc

All ratings916 ratings
Positive98.3%
Neutral1.1%
Negative0.7%
Written reviews197 reviews
Positive95.9%
Neutral1.5%
Negative2.5%

In-app purchases

None

Financial Calculator

No in-app purchases

None

12Calc

No in-app purchases

Questions

Is Financial Calculator free?
Financial Calculator costs $5.99, with no in-app purchases.
Is 12Calc free?
12Calc costs $8.99, with no in-app purchases.
Which has better reviews, Financial Calculator or 12Calc?
12Calc is rated higher. Financial Calculator averages 3.8 out of 5 from 6 ratings, while 12Calc averages 4.9 from 927 ratings.
Do Financial Calculator or 12Calc have ads?
Neither Financial Calculator nor 12Calc shows ads.
Which is updated more often, Financial Calculator or 12Calc?
Financial Calculator ships an update every 5 months, and 12Calc every 5 months. Most recently, Financial Calculator was updated on October 31, 2026 and 12Calc on November 4, 2026.
Which is more popular, Financial Calculator or 12Calc?
Financial Calculator currently peaks at #110 in the App Store charts, and 12Calc at #23. Chart position reflects recent download velocity rather than total install base.

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