HP 12C Curriculum

Master the HP 12C calculator

A clean learning path for the exact keystrokes, workflows, and calculator habits that matter most. Start with the basics, then move into TVM, cash flows, and bonds.

Start learning

01 Track

Foundation & RPN

Core HP 12C habits: stack logic, ENTER behavior, and calculator state management.

How to Use the HP 12C: Basics, RPN, Pros and ConsStart here

A structured beginner guide to the HP 12C, including the RPN mental model, core keys, strengths, limits, and where to start next.

Draft10 min→
Clear the Stack and Registers Correctly

Learn which memories to clear, when to clear them, and how to avoid contaminating the next calculation.

Draft6 min→

02 Track

TVM Workflows

Mortgage, loan, and annuity calculations with PV, FV, PMT, n, and i.

Mortgage Payment (PMT) Step by Step

Calculate a monthly mortgage payment with a clean PV, i, n, and PMT workflow on the HP 12C.

Draft7 min→
Loan APR from PMT

Solve for the interest rate when payment, loan amount, and term are already known.

Draft7 min→

03 Track

Cash Flow Analysis

NPV and IRR workflows for uneven cash flows and investment decisions.

NPV for Uneven Cash Flows

Enter CF0, CFj, and the discount rate correctly to evaluate a non-uniform investment.

Draft8 min→
IRR for Uneven Cash Flows

Use the same cash flow setup as NPV, then solve for the internal rate of return.

Draft8 min→

04 Track

Bond Workflows

Price, yield, and date-sensitive bond calculations on the HP 12C.

Bond Price from Yield

Price a bond from yield using the HP 12C bond workflow, with dates and format checks handled correctly.

Draft8 min→

Ready to practice?

Open the emulator and run the same keystrokes live.

Open the HP 12C emulator