MathU 12D Financial Calculator 4+

Creative Creek, LLC

Designed for iPad

    • $24.99



"5 stars - This app is great. Very Quick. Would highly recommend". See more in customer reviews.

MathU 12D, the Deluxe Financial RPN Calculator, is written from the ground up to behave exactly like and surpass the classic HP-12C.

MathU 12D uses the same RPN (Reverse Polish Notation) entry system and supports the same mathematical functions as the HP-12C. In fact, if you are familiar with the HP-12C you will be able to use MathU 12D right away.

Made by Creative Creek, LLC. We have been making calculators for mobile devices for over 20 years. Also check out MathU RPN, our advanced scientific and financial RPN calculator.

MathU 12D adds some big improvements over the original HP-12C:

1) Visible Financial Registers -- The values of the financial registers are displayed prominently above the associated buttons. This allows you to quickly verify that the loan parameters are correct and builds confidence in the results.

2) Computation Speed -- You will be amazed how quickly MathU 12D produces results. Even complicated calculations like the determination of interest rate, IRR or NPV are finished in a fraction of a second.

3) Two line display -- A two line display can be chosen so that the x and y register values are always visible. You can immediately see results and verify input values.

4) Visible Programming -- Program lines are displayed using the function name instead of the key pad location. This makes reading and writing MathU 12D programs easier.

5) 20 Registers unaffected by programs - The registers are not shared with the program space so you can create up to 99 line programs without sacrificing any storage space.

Documentation for MathU 12D is available from within the app. All the functions work exactly the same as on the HP-12C, so if you are familiar with the HP-12C you will be able to use MathU 12D right away.


- Fast and accurate computation based on
IEEE double precision (up to 16 digits)
- 5 financial registers (visible on the main screen)
- 20 storage registers
- Programmable with up to 99 program steps
- Program steps show function name directly
- Two line display
- FIX, SCI, and ENG display modes
- Access to on-line documentation
- Settings screen
- Thousands and decimal separators follow international format settings
- Copy and paste support
- Support for iOS 8.x or higher.
- Support for iPhone and iPad

Functions Supported:

- Time value of money (N,i,PV,PMT,FV)
- Net Present Value (NPV)
- Internal Rate of Return (IRR)
- Simple interest
- Cash Flows (CF0, CFj, Nj)
- Bond pricing and yield (PRICE, YTM)
- Depreciation based on
- Straight line (SL)
- Sum-Of-the-Years-Digits (SOYD)
- Declining balance (DB)
- Date in future (DATE) or days between dates (DYS)
- Statistics mean, std, wieghted mean, factorial
- Percent, percent change and percent of total
- Linear curve fitting (x,r y,r)
- Scientific functions (y^x, e^x, sqrt, 1/x, ln)
- Integer and fractional parts (INTG, FRAC)

What’s New

Version 4.0.2

MathU 12D 4.0.2 adds:
- support for bluetooth keyboard so you can "press" buttons by typing the name of the key on the calculator
- support for iOS 16.x and iOS 17.x
- bug fix for copy & paste feature that wasn't working with MathU 12D 4.0.0
- bug fix for random crashes

MathU 12D also runs on macOS with Silicon!

Ratings and Reviews

3.9 out of 5
13 Ratings

13 Ratings

Alimesoda1234 ,

New version

Screen too small on iPad !!!!!!
In new version

Developer Response ,

The ability to zoom the app on the iPad was added in 2020.

Philly Phool ,

Not able to move off app - forces restart

iPhone XR - app works , but once you start it , you are stuck on the app until you do a restart. Keeping 5 stars for now since the performance over the last 5 plus years has been perfect until now.

Developer Response ,

This problem was fixed in 2020.

CD Wyte ,

Better than the real thing!

I have used the 12c since it was first sold by HP. I used its predecessor model, too. I use HP's virtual version on my laptop.

This app is a seamless improvement on a classic design. Take this from a retired financier, this is the best financial calculator app! Update: Still using it with iOS 10.

App Privacy

The developer, Creative Creek, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Up to six family members can use this app with Family Sharing enabled.

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