Financial Calculator vs 12Calc
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Time value of money calculations
- Growing annuities
- Bond valuation
- Cash flow analysis
- Investment analysis (IRR/NPV)
- Loan amortization
- RPN support
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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.
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.
- 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
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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
Verdict
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
Financial Calculator costs $5.99 and 12Calc $8.99 up front. Neither carries in-app purchases, so what you see is what you pay.
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.
Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on October 31, 2026 and November 4, 2026 respectively.
| Parameter | Financial Calculator | 12Calc |
|---|---|---|
| Price | $5.99 — better | $8.99 |
| Rating | 3.8 (6 ratings) | 4.9 (927 ratings) — better |
| Positive reviews | 54.3% of reviews | 95.9% of reviews — better |
| Number of ratings | 6 | 927 — better |
| Update frequency | Every 5 months | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Paid |
| Best chart rank | #110 | #23 — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 8.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 3 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | joaquin grech | Ernest Brock |
Customer experience
Financial Calculator
12Calc
In-app purchases
Financial Calculator
No in-app purchases
12Calc
No in-app purchases
Questions
Is Financial Calculator free?
Is 12Calc free?
Which has better reviews, Financial Calculator or 12Calc?
Do Financial Calculator or 12Calc have ads?
Which is updated more often, Financial Calculator or 12Calc?
Which is more popular, Financial Calculator or 12Calc?
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