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.

10 min→
Clear the Stack and Registers Correctly

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

6 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.

7 min→
Loan APR from PMT

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

7 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.

8 min→
IRR for Uneven Cash Flows

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

8 min→

Ready to practice?

Open the emulator and run the same keystrokes live.

Open the HP 12C emulator