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The standard for financial professionals, the HP 12C has been helping people make smart business decisions for over 15 years. It has over 120 built in functions including, TVM, amortization, bond price and yield, and depreciation. This calculator is accepted for use on the CFP, CFA and GARP FRM exams. Certainly, there's been newer, more complex calculators introduced since, but there's something to be said for the quality of classics.
The HP 12C has all the basics--like calculating APR, NPV, and IRR--and statistics are a breeze. For students new to financial calculators, this is an excellent place to start. The manual reads very like a minitextbook, walking you through sample problems and situations followed by graphs and tables demonstrating the technique--and you can even check your results. The section on creating programs seems to address the more technically challenged, addressing in detail how you could possibly benefit from using programs, but it'll still help you get the job done.
The HP 12C is the Gold Standard
Pros: -It does simple regression
Cons: -I couldn't name one.
Other Thoughts: -If you are in grad school or work in financial service why would you consider any other calculator.
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THE Financial Calculator
Comments: There's a reason financial professionals swear by their HP 12C's: it's the best financial calculator out there. It's very compact, yet feels solid & substantial. The keys are well-shaped and yield a satisfying 'click' and pressed. Most importantly, it can handle most any finance/investment/real estate task thrown at it: interest, amortization, depreciation, etc..
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