Comparison

RLM vs 12C

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

Head to head
About

RLM

This app offers a comprehensive suite of financial and business calculation tools, inspired by a popular professional calculator. It features specialized worksheets for loans, bonds, options, depreciation, and time value of money, alongside business, cash flow, statistics, and scientific functions.

Highlights
  • Finance Worksheets (Amortization, Bonds, Options)
  • Business Calculations (Break-Even, Bill Split)
  • Cash Flow Analysis
  • Statistical Functions
  • Scientific Calculator
  • Unit and Currency Conversions
  • Equation Solver
Features
Read full description

The RLM-BA2 application is a general purpose calculator with a special focus in finance and business. It is inspired by the Texas Instrument BAII+Professional calculator, but specially designed to bring up the most of your iOS devices. The RLM-BA2 has a extensive Menu System: >Finance Worksheets: •Account Balance: Calculates the Balance of cash transactions and interest applied at arbitrary dates. •Amortization: Loan Amortization Schedule for a single or several loan payments. •Bond Price & Yield: Calculates the Price, Yield and Effective Duration of a Bond. •Black-Scholes Options: Calculates the CALL, PUT and “Greeks” values of a Black-Scholes European option. •Depreciation: Calculates depreciation with SL, SOYD, DB or MACRS methods and conventions. •Time Value of Money: Calculates compound Interest problems. >Business Worksheets: •Bill-Tip-Split: Calculates the sharing of a Bill with Tip. •Break-Even: Analyze the following relation: Profit = (Price - Var.Cost) • Units - Fix.Cost •Currency Exchange with on-line rates. •Percents & Margins: Calculates %Change, %Total and Business margins. >Cash Flows Worksheets: •Equal Periods: Calculations with Cash Flows occurring at regular time intervals. •Unequal Periods: Calculations with Cash Flows occurring at arbitrary dates. >Statistics Worksheets: •One-Variable Statistics: Calculations for one variable data samples. •Two-Variable Statistics: Calculations for two variables data samples. •Probability: Combinations, permutations and Normal, Exponential, t-Student and Weibull probability distributions. >Scientific Worksheets: •Angles & Polar: Convert angles and coordinates. •Logarithm functions with common or arbitrary base. •Number Alteration functions •Trigonometric & Hyperbolic functions. >Conversion Worksheets: •Angles & Polar: Convert angles between DEG,RAD,GRAD,DMS or Slope % and Polar-Rectangular coordinates. •Currencies: world currencies conversions with manual input or on-line current rates. •Interest Rates: Nominal and effective interest conversion. •Units: Physical units conversions. >General Worksheets: •Date: Calculates days between dates with Actual, 360 or 365 days calendars. •Time: Calculates time intervals between different times. •Solver: Calculates arbitrary equations entered as text expression to solve any of the variables knowing the others. •Storage Registers: Store and perform operations directly over the calculators storage registers. •Memory Content: Clear, Back-Up or Restore part or all of the Calculator's memory. •General Settings: Customize many aspects of the calculator including formats & feedbacks. •Help Documents: Description and examples of all the calculator worksheets and features. >Editors Worksheets: To create or edit data •(Date,Trx) List: Transactions and the dates they occurs for the "Account Balance Worksheet". •(Date.CF) List: Cash flows and the dates they occurs for the "Unequal Periods Cash Flows Worksheet". •(X,N) List: Cash flows and repetitions for the "Equal Periods Cash Flows Worksheet". •(X,Y) List: X and Y data samples for the Statistics worksheets. •Solver Equation: Algebraic expression for use in the "Solver" worksheet. •Units Database: Customize the "Units" worksheet. System requirements: iOS 15.0 or above. 30 days Free-Trial. In-App-Purchase: One-Payment for life. License Agreement: http://www.apple.com/legal/itunes/appstore/dev/stdeula DISCLAIMER: THIS IS NOT A TEXAS INSTRUMENT CALCULATOR, AND IS NOT SPONSORED IN ANYWAY BY TEXAS INSTRUMENT OR ANY OF ITS SUBSIDIARIES.

About

12C

This app replicates the functionality of a classic financial calculator, offering modern enhancements like interactive prompts and register views. It provides basic calculator, math, percentage, calendar, and memory functions for free, with advanced financial tools available via a one-time purchase.

Highlights
  • HP 12c functionality reimplementation
  • Interactive prompts and recipes
  • Register views for data inspection
  • Basic calculator functions included
  • Advanced financial functions via IAP
Features
Read full description

The 12c Modern is a complete reimplementation of the full functionality of the classic HP 12c financial calculator. In addition to providing 12c's look & feel and functionality, we have modernized the app with features such as recipes, interactive prompts, and register views. This free version provides basic Calculator functions, Math functions, Percentage, Calendar and Memory functions. A one-time In-App-Purchase is required to access the Time-Value-of-Money (TVM), Cash Flow, Amortization, Bond, Depreciation, and Statistics functions. The 12c modern addresses two critical issues for the user: (i) knowing what is stored in each of the calculator's internal registers, (ii) remembering the exact key sequences for getting specific calculations done. The register views, accessible in the main screen, provides visibility into various register groups. You can switch between different groups of registers (such as Financial, Cash Flow, Bond, etc.), and inspect stored values. You can record your key strokes for specific calculations and store them as recipes. The recipes remove the burden of remembering the exact keystroke sequence for your tasks. You simply select a pre-recorded recipe (builtin or your own) and run. When running a recipe, the app visually prompts you with the keystrokes to press and guides you along in getting the results. The app comes with 20 built-in recipes and allows you to add/record/edit/delete your own recipes. The convenient register view on the screen allows you to view register contents as your operations proceed.

Screenshots

RLM4 screens
12C4 screens

Verdict

The call

The clearest difference is review sentiment: RLM at 100% against 12C's 21%. RLM also leads on rating (5.0 vs 3.1) and update cadence (every 2 months vs every 15 months). 12C's advantage is ratings volume (10 vs 2) and iOS requirement (12.0 vs 15.0). On price, 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

Both are free to download. RLM sells 1 one-off in-app purchase and 12C sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

RLM holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: 12C has 10 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 100% of RLM's written reviews are positive against 21% of 12C's.

UpkeepUpdate frequency

RLM ships an update every 2 months, 12C every 15 months. The most recent releases landed on September 30, 2026 and October 27, 2026 respectively.

Scorecard6 real differences · 4 level
RLM versus 12C: the parameters behind the verdict, then further details
ParameterRLM12C
PriceFreeFree
Rating5.0 (2 ratings) — better3.1 (10 ratings)
Positive reviews100.0% of reviews — better21.4% of reviews
Number of ratings210 — better
Update frequencyEvery 2 months — betterEvery 15 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size4 MB15 MB
Age rating4+4+
DeveloperR.L.M. SoftwareAnishu, Inc.

Customer experience

RLM

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

12C

All ratings10 ratings
Positive50.0%
Neutral10.0%
Negative40.0%
Written reviews14 reviews
Positive21.4%
Neutral21.4%
Negative57.1%

In-app purchases

1 purchases

RLM

One-time1
  • Lifetime Full Access$9.99
1 purchases

12C

One-time1
  • 12C Modern: full functionality$5.99

Questions

Is RLM free?
RLM is free to download, with in-app purchases available.
Is 12C free?
12C is free to download, with in-app purchases available.
Which has better reviews, RLM or 12C?
RLM is rated higher. RLM averages 5.0 out of 5 from 2 ratings, while 12C averages 3.1 from 10 ratings.
Do RLM or 12C have ads?
Neither RLM nor 12C shows ads.
Which is updated more often, RLM or 12C?
RLM ships an update every 2 months, and 12C every 15 months. Most recently, RLM was updated on September 30, 2026 and 12C on October 27, 2026.

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