10bII+ Pro Finance Calculator

The 10bII+ you already know — on the phone that's already in your pocket. Same keys, same shifts, same answers. 10bII+ Pro is a complete recreation of the classic 10bII+ financial calculator for iPhone and iPad. Same key layout, same orange and blue shift functions, same entry conventions. Your muscle memory transfers on the first press — there is nothing to relearn. Built for real-estate agents, loan officers, finance students, and exam candidates who learned these keystrokes once and would rather not learn them again. WHY THE ANSWERS ARE RIGHT Every worked example in the calculator's official user manual — all 214 of them — runs as an automated test against this app, keystroke by keystroke, with more than 600 individual results checked against the manual's printed answers. Loans, leases, amortization ranges, bond yield-to-call, declining-balance depreciation, all six regression models, date math. The manual's Table 6-5 says a $930 monthly payment at 7.5% supports a $133,006.39 mortgage. 10bII+ Pro says $133,006.39. That isn't a marketing line — it's the test suite the app has to pass before it ships. TIME VALUE OF MONEY • N, I/YR, PV, PMT, FV — solve for any variable • Payments per year, compounding periods, Begin/End mode • Full amortization schedules (AMORT), single period or range • Nominal ↔ effective interest rate conversion CASH FLOWS • NPV, NFV, and IRR/YR on uneven cash-flow streams • CF0 plus 44 cash-flow groups, each with repeat counts • Full cash-flow editor: scroll, jump, insert, delete, running totals BONDS & DATES • Bond price, yield to maturity, yield to call, accrued interest • Actual/actual and 30/360 day counts, annual or semiannual coupons • Date arithmetic and day-count calculations BUSINESS & DEPRECIATION • Cost, price, margin, markup, percent change • Break-even analysis • Straight-line, declining-balance, and sum-of-years-digits depreciation STATISTICS & PROBABILITY • One- and two-variable statistics with a full data editor • Six regression models plus automatic Best Fit • Forecasting, correlation, weighted mean • Permutations, combinations, factorial, z and t distributions THE DETAILS THAT MATTER • Chain and Algebraic modes, parentheses, constant (K) • 20 storage registers with register arithmetic • Adjustable decimal display and US/international separators • Full VoiceOver support — every key announces what it will actually do under the shift that's active • Universal: buy once, use on iPhone, iPad and iPhone Duo — open the Duo and the display sits on one side of the fold, the keys on the other TURN IT SIDEWAYS Turn your iPhone sideways (or open an iPhone Duo) and a companion panel sits beside the keys: • Loans: cash-flow timeline and year-by-year amortization • Drag the rate and watch the payment re-solve — as real keystrokes, one tap to undo • Cash flows charted with NPV across rates and IRR marked • Statistics scatter with the fitted curve and your forecast • Bond price against yield, depreciation by year under all three methods, break-even, markup vs margin, interest conversion, and dates on a calendar • A paper tape of your last keystrokes and results Every number in the panel comes from the same calculator, so it always agrees with the display. LEARN FROM THE MANUAL 122 of the manual's worked examples replay right on your keypad, one key at a time — the key lights, the display updates, and a check confirms every result matched. IT REMEMBERS Close the app and everything is where you left it, like the real calculator's continuous memory. Save a state under a name and return to it later. NO CATCHES One price, paid once. No subscription. No ads. No account. No network access at all — 10bII+ Pro can't collect anything about you because it never talks to anything. It works on a plane, in a basement, and at a client's kitchen table with one bar of signal. 10bII+ Pro is an independent app and is not affiliated with or endorsed by HP Inc.