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Using a Financial Calculator

Financial Calculator Practice Exercises 

Familiarity with the operation of a Hewlett-Packard (HP) financial calculator is a prerequisite for all Appraisal Institute courses except National Uniform Standards of Professional Appraisal Practice (USPAP) Update Course, 7-Hour, National Uniform Standards of Professional Appraisal Practice (USPAP) Course, 15-Hour, and Business Practices and Ethics.

While proficiency on the calculators is each student’s responsibility, the programs below may help you brush up on your skills on the HP12C, HP17BII, and HP19BII financial calculators.

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Online Seminars

Using Your HP12C Financial Calculator

This online seminar focuses on features and operations of the HP12C financial calculator. Examples and problems are geared to commercial appraisal and are particularly useful to those planning to take the Appraisal Institute’s income property courses.


To get the most out of your forthcoming education experience you should practice keystrokes for your financial calculator. The chapters on Time Value of Money (TVM) and Cash Flows should be helpful in addition to the introductory chapter that describes settings and clear functions. It would be wise to bring your manual to the course site.

You can order a replacement HP manual by calling HP Parts Direct Ordering at 800-227-8164 or by visiting their website. (These telephone numbers and URLs are correct at the time of this writing.)

Additionally, many manuals are available from CalcPro.

A few supplementary manuals are available for viewing on line. For example, view the Solutions Manual for the HP 12C.

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