Using Your HP-12C Financial Calculator


This seminar introduces you to financial calculators that are used by commercial real estate professionals. Demonstrations of the basic features of the calculator illustrate a number of specific real estate examples and problems. While the HP-12C calculator is the focus, the HP10, HP17B2, and HP19B2 are also mentioned. You’ll gain basic skills to be successful in income property courses. Developed for commercial real estate professionals, the seminar thoroughly discusses the basic functions of the calculator as well as the financial functions. However, statistical, depreciation, bond, or programming abilities variously available with these calculators are not discussed. You should be familiar with the concepts of compounding and discounting prior to the class.


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Who should Enroll

General and residential real property appraisers


  • Recognize the basic style of data entry and perform simple arithmetic calculations.
  • Use several of the specialized non-financial keys offered on the HP-12C.
  • Identify the concepts of amortization and irregular cash flows and input information into the calculator and solve for these types of problems.
  • Solve complex problems encountered in the commercial real estate brokerage or appraisal businesses.




No Exam



Appraisal Institute CE Points

Attend: 35 AI Points

Class Time

7 hours



Program Overview

Required and/or Recommended Equipment

A financial calculator is required. AI education programs that require a financial calculator are developed using the HP-12C; using this model is highly recommended.

System Requirements

Additional Information

Online Course Access
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Book Recommendations

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