Comparison

MathU 12D Financial Calculator vs OptionPosition+

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

Head to head
About

MathU 12D Financial Calculator

This app offers a powerful financial calculator with Reverse Polish Notation (RPN) that emulates and enhances the classic HP-12C. It provides visible financial registers, fast computations, and a two-line display for improved usability and accuracy in financial calculations.

Highlights
  • RPN entry system
  • Visible financial registers
  • Fast computation speed
  • Two-line display option
  • Visible programming
  • Programmable up to 99 steps
  • Time value of money functions
Features
Currently charting
Read full description

"5 stars - This app is great. Very Quick. Would highly recommend". See more in customer reviews. MathU 12D, the Deluxe Financial RPN Calculator, is written from the ground up to behave exactly like and surpass the classic HP-12C. MathU 12D uses the same RPN (Reverse Polish Notation) entry system and supports the same mathematical functions as the HP-12C. In fact, if you are familiar with the HP-12C you will be able to use MathU 12D right away. Supports iPhone, iPad and macOS. First released in 2010, the calculator continues to be updated with new features as iOS improves. Made by Creative Creek, LLC. We have been making calculators for mobile devices for over 25 years. Also check out MathU RPN, our advanced scientific and financial RPN calculator. MathU 12D adds some big improvements over the original HP-12C: 1) Visible Financial Registers -- The values of the financial registers are displayed prominently above the associated buttons. This allows you to quickly verify that the loan parameters are correct and builds confidence in the results. 2) Computation Speed -- You will be amazed how quickly MathU 12D produces results. Even complicated calculations like the determination of interest rate, IRR or NPV are finished in a fraction of a second. 3) Two line display -- A two line display can be chosen so that the x and y register values are always visible. You can immediately see results and verify input values. 4) Visible Programming -- Program lines are displayed using the function name instead of the key pad location. This makes reading and writing MathU 12D programs easier. 5) 20 Registers unaffected by programs - The registers are not shared with the program space so you can create up to 99 line programs without sacrificing any storage space. Documentation for MathU 12D is available from within the app. All the functions work exactly the same as on the HP-12C, so if you are familiar with the HP-12C you will be able to use MathU 12D right away. Features - Fast and accurate computation based on IEEE double precision (up to 16 digits) - 5 financial registers (visible on the main screen) - 20 storage registers - Programmable with up to 99 program steps - Program steps show function name directly - Two line display - FIX, SCI, and ENG display modes - Access to on-line documentation - Settings screen - Thousands and decimal separators follow international format settings - Copy and paste support - Support for iOS 8.x or higher. - Support for iPhone and iPad Functions Supported: - Time value of money (N,i,PV,PMT,FV) - Net Present Value (NPV) - Internal Rate of Return (IRR) - Simple interest - Cash Flows (CF0, CFj, Nj) - Bond pricing and yield (PRICE, YTM) - Depreciation based on - Straight line (SL) - Sum-Of-the-Years-Digits (SOYD) - Declining balance (DB) - Date in future (DATE) or days between dates (DYS) - Statistics mean, std, wieghted mean, factorial - Percent, percent change and percent of total - Linear curve fitting (x,r y,r) - Scientific functions (y^x, e^x, sqrt, 1/x, ln) - Integer and fractional parts (INTG, FRAC) Requires iOS 16.6+

About

OptionPosition+

Analyze stock and option positions with this financial tool. Explore hedging strategies, create diversified portfolios, and visualize potential gains, losses, and Greeks. Understand price and volatility impacts on your investments.

Highlights
  • Stock and option price analysis
  • Portfolio creation and management
  • Graphical illustration of option strategies
  • Black-Scholes equation for implied volatility
  • Gain/Loss, Delta, Vega, Theta, Gamma visualization
  • Probability of future stock prices and gains/losses
  • Volatility Smile display
Features
Read full description

OptionPosition+ Version 4.1 OptionPosition+ is a financial analysis App that estimates the value of a set of shares and put and call options for a particular stock. It allows the investor to explore various option hedging positions and create a portfolio that is sensitive to price and volatility fluctuations or that provides protection for various concerns. OptionPosition+ graphically illustrates the value of put protection, covered calls, call spreads, time spreads, delta neutral skew trades, iron condors, etc.. Further information is available at https://www.optionposition.com OptionPosition+ comes with an initial one month subscription period that provides access to data on most stocks listed on the NYSE and NASDAQ and certain indexes (i.e. NDX, NQX, XND). After this one month subscription period you may purchase an auto-renewing subscription through an In-App Purchase. (If you do not maintain a subscription you can only access stock and option data for AAPL.) • Auto-renewable subscription • 1 month ($2.99), 2 month ($4.99) and 3 month ($5.99) durations • Your subscription will be charged to your iTunes account at confirmation of purchase and will automatically renew (at the duration selected) unless auto-renew is turned off at least 24 hours before the end of the current period. • Current subscription may not be cancelled during the active subscription period; however, you can manage your subscription and/or turn off auto-renewal by visiting your iTunes Account Settings after purchase. • Privacy policy and terms of use: https://sites.google.com/site/kramerkramersoftware/ OptionPosition+ Features: • delayed stock and option prices for all available strike dates and strike prices (delay varies from 0 to 20 minutes) • remembers 30 different portfolios each with 6 assets: ..........puts, calls, shares or child portfolios ......................child portfolios can have different underlying stock ......................child portfolios have correlated price ..........long, short any quantity ..........all listed strike dates ..........all listed strike prices ..........e-mail to anyone • Black-Scholes equation used to determine implied volatility and future value of put and call options • graphically displays Gain/Loss, Delta, Vega, Theta or Gamma as a function of stock price: ..........now (see black lines below) ..........at any future date up to the earliest strike date (see red lines below) ..........at assumed higher or lower volatilities (see green lines below) ..........with a changing price correlation to child portfolios included as an item/hedge • graphically displays the probability of future stock prices and the probability of future option portfolio Gains/Losses based on current put/call straddle prices • graphically displays the Volatility Smile for any expiration date • scales on the graph are continuously adjustable with one and two finger moves – easily zoom in or out • tap on the graph to show the X,Y value at a point and the value of the curves at that X value • diagnostics table shows all Greeks and lets you easily create a Delta neutral portfolio • 3 month US dollar LIBOR used for risk free interest rate • incorporates predicted dividend payments into the Black-Scholes calculations without making a ‘fixed dividend rate’ error in Delta Screen shots: For an explanation of these option positions, and more, see our website www.OptionPosition.com. Screen shots shown below (for both iPhone and iPad): 1) Gain/Loss for a Put Protection in AAPL 2) Gain/Loss graph for an Iron Condor in AAPL 3) Assets (iPad includes Diagnostics) for the Iron Condor in AAPL 4) Delta graph for the Iron Condor in AAPL 5) Probability of the value of the Gain/Loss for the Iron Condor in AAPL 6) Volatility Smile using data source A

Screenshots

MathU 12D Financial Calculator4 screens
OptionPosition+4 screens

Verdict

The call

The clearest difference is price: OptionPosition+ at Free against MathU 12D Financial Calculator's $4.99. OptionPosition+ also leads on review sentiment (84% vs 75%) and iOS requirement (12.0 vs 16.6). MathU 12D Financial Calculator's advantage is rating (4.8 vs 4.0) and in-app purchases (none vs 3). On update cadence, ads 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

OptionPosition+ is free to download; MathU 12D Financial Calculator costs $4.99 up front. OptionPosition+ sells 3 in-app purchases, starting at $2.99 per month. MathU 12D Financial Calculator asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

MathU 12D Financial Calculator holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: MathU 12D Financial Calculator has 110 ratings behind it against 20, so its average is the more settled of the two. Written reviews complicate that: 75% of MathU 12D Financial Calculator's written reviews are positive against 84% of OptionPosition+'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

MathU 12D Financial Calculator ships an update every 2 months, OptionPosition+ every 5 weeks. The most recent releases landed on October 26, 2026 and October 23, 2026 respectively.

Scorecard8 real differences · 3 level
MathU 12D Financial Calculator versus OptionPosition+: the parameters behind the verdict, then further details
ParameterMathU 12D Financial CalculatorOptionPosition+
Price$4.99Free — better
Rating4.8 (110 ratings) — better4.0 (20 ratings)
Positive reviews75.0% of reviews83.7% of reviews — better
Number of ratings110 — better20
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaid — betterSubscription
Best chart rank#121 — better—
DevicesiPhone, iPad, MaciPhone, iPad, iPod
Requires iOS16.612.0 — better
Further details — not scored
Size6 MB4 MB
Age rating4+4+
DeveloperCreative Creek, LLCPeter Kramer

Customer experience

MathU 12D Financial Calculator

All ratings89 ratings
Positive95.5%
Neutral0.0%
Negative4.5%
Written reviews28 reviews
Positive75.0%
Neutral10.7%
Negative14.3%

OptionPosition+

All ratings20 ratings
Positive70.0%
Neutral15.0%
Negative15.0%
Written reviews49 reviews
Positive83.7%
Neutral8.2%
Negative8.2%

In-app purchases

None

MathU 12D Financial Calculator

No in-app purchases

3 purchases

OptionPosition+

Subscriptions3
  • full access to stock and option data$2.991 Month
  • full access to stock and option data$4.992 Months
  • full access to stock and option data$5.993 Months

Questions

Is MathU 12D Financial Calculator free?
MathU 12D Financial Calculator costs $4.99, with no in-app purchases.
Is OptionPosition+ free?
OptionPosition+ is free to download, with in-app purchases available.
Which has better reviews, MathU 12D Financial Calculator or OptionPosition+?
MathU 12D Financial Calculator is rated higher. MathU 12D Financial Calculator averages 4.8 out of 5 from 110 ratings, while OptionPosition+ averages 4.0 from 20 ratings.
Do MathU 12D Financial Calculator or OptionPosition+ have ads?
Neither MathU 12D Financial Calculator nor OptionPosition+ shows ads.
Which is updated more often, MathU 12D Financial Calculator or OptionPosition+?
MathU 12D Financial Calculator ships an update every 2 months, and OptionPosition+ every 5 weeks. Most recently, MathU 12D Financial Calculator was updated on October 26, 2026 and OptionPosition+ on October 23, 2026.

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