Last Updated: May 8, 2023 @ 1:59 pm.

What is the best financial calculator? To find out, we asked three accounting and finance teachers for their advice. Then we asked our parent readers for their real-world favorites as well. Which is best for finance classes to calculate present value? Accounting? Statistics? Here are the ones we think are best.

FYI: We've been reviewing and rating products for the home and families since 1994. We don't take money or freebies from the brands we review. Our work is 100% reader-supported!

Buying a Financial Calculator: Tips & Tricks

Let’s talk financial calculators.

If you are taking a finance or accounting class, a financial calculator is often on the required list. We interviewed experts at this subject (that is, instructors of these courses) to get an idea of which calculators are best for which functions.

Beyond accounting, financial calculators are also useful in statistics classes to run regressions. Time value of money is a standard topic in finance classes and these calculators can handle that without a problem.

One issue with all financial calculators is the learning curve—our advice would be to look at online instruction videos to figure out the more obscure functions, as the instruction manuals with calculators can be lacking.

Here are the best financial calculators, as judged by our staff based on five hours of research and interviews:

Best For Finance

Cash flow function is helpful
This budget-friendly choice is easy to use—it is great for finance classes, but also works well for accounting, statistics and real estate coursework. Caveat: battery life can be short.

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Best For Accounting

Tried and true brand
We love this calculator, even though it uses reverse polish notation . . . which gets some time to get used to. Excellent battery life.

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Best For Real Estate

Easy to use
The star feature here is loan amortization—perfect to pass that real estate exam. Excellent build quality.

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About the Authors

Denise & Alan Fields are consumer advocates and best-selling authors. The Fields have authored 12 books with three million copies in print, including the best-selling guide to baby gear, Baby Bargains.

The Fields have been featured and quoted in the New York TimesWall Street Journal and Los Angeles Times.

As consumer products experts, the Fields have been guests on the NBC Today Show, Good Morning America and ABC’s 20/20.

How We Pick Products To Recommend

We often turn to our readers (3 million strong!) to find products to recommend. We ask our parent readers for their favorites and consider their real-world experiences in our recommendations.

When we test a product, we always purchase it with our own monies. We do not take free samples, as we believe that compromises our independence.

We also fact check manufacturer information with our own measurements. If a maker claims a product weighs X pounds, we will weigh it to make sure. If the battery life is supposed to be six hours, we will see how it stands up in the real world.

In some cases, we will do interviews with experts in the field to get additional feedback on products.

To get hands-on time with products, we regularly meet one-on-one with gear companies and even tour manufacturing facilities. (When we do this, we pay our own travel expenses).

Why Trust Us

We’ve been rating and reviewing products for the home and families since 1994. We do extensive research, evaluating products with an eye toward quality, ease of use and affordability.

We make our living from affiliate commissions, but we always recommend what we think are the best bets for our readers (not the ones that are the most expensive). We are always looking for products that offer the best bang for the buck.

Our independence is a key reason why we have been doing this so long. As we mentioned above, when we purchase a product for hands-on testing, we do so with our own money.

Here’s another key point: we don’t take money from the brands we review. No free samples, no sponsors, no “partnerships.” Our work is 100% reader-supported!

Baby Bargains: Your Baby Registry Cheat Sheet is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to and its related sites. As an Amazon Associate, I earn from qualifying purchases.