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 app offers comprehensive financial calculations, including time value of money, cash flow analysis, and depreciation. It simplifies complex financial tasks with an intuitive interface and detailed instructions, making it suitable for both experienced and new users.

Highlights
  • Time Value of Money (TVM) calculations
  • Cash flow analysis with frequencies
  • Depreciation calculations (multiple methods)
  • Statistics and regression analysis
  • Date calculations
  • Interest and profit calculations
  • Calculation history
Features
Currently charting
Read full description

The creators of 5-star Scientific++, Statistics Calculator++, and Statistics Calculator+++ for iPad present Financial Calculator++, a financial calculator that has all the financial capabilities of the popular Texas Instruments BA II Plus (except for a few features that are outlined in this description and will be available in a later update.) If you have used BA II Plus or any other mainstream financial calculator, you will feel right at home since we designed Financial Calculator++ as consistent as possible with those products. As a user of a financial calculator or a new user, you will find out that a lot of features in this app are implemented to simplify tasks and reduce the number of keystrokes. All financial calculations can be performed on the keypad mode of the calculator. The bottom part of the screen shows the relevant variables depending on the type of the calculation being performed. Resetting, recalling, deleting, or reordering of the parameters and changing the settings are done in the menu mode which can be accessed by pressing the arrow keys. Instructions for each financial calculation is included in the menu mode within the app. Visit our website for keystroke by keystroke examples for varieties of financial calculations at www.dogahe.com. Details: - Time value of money (TVM) calculations useful for mortgages, loans, leases, savings, and annuities. It can also produce amortization schedules. - Cash flow analysis with capability of entering uneven cash flows with frequencies. Capability of reordering or deleting the cash flow values in a table view presentation and seeing the NPV and IRR updated as reordering or deleting of cash flow values happen. - Depreciation calculates depreciation, remaining book value (RBV) and depreciable value (RDV) with different methods (Straight Line, Sum of the Years Digits, Declining Balance, and Declining Balance with cross-over to Straight Line) - Statistics performs statistics and regression analysis for one or two variables with four regression models. (In fact, Financial Calculator++ has all the statistics capabilities that earned our Statistics Calculator++ 5-star rating). - Date calculates number of days between dates. Dates can be entered using the keypad or using a date picker. - Percent change, compound interest, interest conversion, profit margin, breakeven are all included in the capabilities of Financial Calculator++. - If you are wondering how all of these fit on the screen, well, the left half of the screen scrolls to reveal more functions. - Bond calculations are not available in this version. Other major features of Financial Calculator++ are as follows: - Shows the expression as you enter and keeps a history of your calculations (Swipe up on the screen to reveal the history) - Capability of calculating permutation, combination, Least Common Multiple (LCM), and Greatest Common Divisor (GCD). You are going to love the simplicity of the user interface and you will get used to the way financial calculations are performed in Financial Calculator++ very quickly. Please do not hesitate to contact us for any questions, comments, to report any bugs, or to suggest additional functions you would like to see in the upcoming updates. Visit our website www.dogahe.com for more screen shots and other product descriptions.

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 Calculator++4 screens
12Calc4 screens

Verdict

The call

The clearest difference is review sentiment: 12Calc at 96% against Financial Calculator++'s 47%. 12Calc also leads on rating (4.9 vs 3.9) and ratings volume (927 vs 115). Financial Calculator++'s advantage is price ($0.99 vs $8.99). 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 $0.99 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 3.9. That said, the two scores are not equally well evidenced: 12Calc has 927 ratings behind it against 115, so its average is the more settled of the two. Written reviews point the same way: 47% of Financial Calculator++'s written reviews are positive against 96% of 12Calc's.

UpkeepUpdate frequency

Financial Calculator++ ships an update every 9 months, 12Calc every 5 months. The most recent releases landed on November 1, 2026 and November 4, 2026 respectively.

Scorecard6 real differences · 5 level
Financial Calculator++ versus 12Calc: the parameters behind the verdict, then further details
ParameterFinancial Calculator++12Calc
Price$0.99 — better$8.99
Rating3.9 (115 ratings)4.9 (927 ratings) — better
Positive reviews47.1% of reviews95.9% of reviews — better
Number of ratings115927 — better
Update frequencyEvery 9 monthsEvery 5 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
Best chart rank#90#22 — better
DevicesiPhoneiPhone, iPad — better
Requires iOS17.617.6
Further details — not scored
Size4 MB6 MB
Age rating4+4+
DeveloperDogaheErnest Brock

Customer experience

Financial Calculator++

All ratings115 ratings
Positive73.0%
Neutral1.7%
Negative25.2%
Written reviews17 reviews
Positive47.1%
Neutral0.0%
Negative52.9%

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 $0.99, 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 3.9 out of 5 from 115 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 9 months, and 12Calc every 5 months. Most recently, Financial Calculator++ was updated on November 1, 2026 and 12Calc on November 4, 2026.
Which is more popular, Financial Calculator++ or 12Calc?
Financial Calculator++ currently peaks at #90 in the App Store charts, and 12Calc at #22. Chart position reflects recent download velocity rather than total install base.

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