10BII CalcHD

    A financial calculator for iPhone and iPad

10BII CalcHD features over 100 built-in functions for business, finance, mathematics and statistics. Easily calculate loan payments, interest rates, amortization, discounted cash-flow analyses, TVM (loans, savings, and leasing) using a simplified algebraic entry system. Worksheets and interactive graphs simplify common business, real estate and planning functions. Computations and worksheet results can be printed or mailed as easily viewable PDF files. Convert english, metric and currency values using the included conversion screen.

iPad and iPhone versions included in single application. Buy once and use on both devices. Easily move between your iPhone and iPad using the same application and interface.

High Definition graphics included for iPad and iPhone retina displays

New interactive graphs simply “what if” scenarios.

10BII CalcHD utilizes the full screen to increase your productivity. View or hide the audit tape to monitor the progress of your calculations. Easily move between the calculator, worksheets, settings and the user guide.


Results are displayed with from 0 to 14 significant digits. All pending algebraic operations are displayed in an easy to read format. Edit, modify and correct your calculations before touching the equal key. Knowing what operations have been entered increases efficiency and accuracy so you can trust your calculations. Calculations are carried out rapidly and accurately using industry standard IEEE double precision format numbers with 14+ significant digits.

Financial Functions

Time value of money calculations, N, I/YR, PV, PMT, FV, net present value, internal rate of return with up to 80 cash flows, margin, cost, price, markup, nominal and effective interest rates, amortization and percentage and percent change.


10 general purpose storage registers with register arithmetic +,-,÷, ×, 1 dedicated memory with summation, 6 dedicated registers for statistics, 12 dedicated registers for TVM calculations and pricing, 80 dedicated cash flow registers.


47 world currency rates and over 100 commonly used metric, english and other conversion factors used in financial, business, scientific and engineering calculations.

Audit Tape

An electronic tape records the last 400+ keyboard operations. You can add annotations and mail the tape.

Students can record calculations and submit the tape to their teacher. Easily analyze calculations and discover errors by following the audit trail.


A full set of math and trigonometric functions are included. No need to carry multiple calculators, the calc10BII includes the functions you need when your classes or business require engineering or scientific oriented computation.

trig functions: sin, cos, tan,  pi, hyperbolic, radians, gradians, degrees, polar, rectangular

logarithms: LOG, LN, 10ˣ, eˣ, x², √, x√y


10BII CalcHD includes over a dozen specialized worksheets and interactive graphs. Worksheets are included for Auto Purchase, Black-Scholes, Bond, Breakeven, CashFlow, Date, Depreciation, Interest Conversion, Lease, Loan Amortization, Margin & Markup, Ratios, Refinance, Statistics, Tip and Time Value of Money.

Worksheets simplify common business, financial and real estate problems. Worksheets can be printed to the audit tape and mailed.

Financial solver

A specialized Time Value of Money solver window displays the contents of all the TVM variables and allows for rapid “what if” solutions to your problems. The amortization table displays payments or annual summary entries.

The TVM graph displays the value of your investment over time. Interactively view the effect of changes to payments, interest rates, initial investment and time by sliding your finger over the controllers at the bottom of the screen.

Cash Flow Editor

Up to 80 cash flows can be reviewed and edited in a scrolling list. A simple touch of the finger scrolls the list and selects entries for editing. No more guessing about what cash flows are stored in your calculator- they are all visible in the cash flow editor. Automatically compute total cash flow, net present value (NPV), net future value (NFV), net uniform series (NUS), internal rate of return (IRR), modified internal rate of return (MIRR), financial management rate of return (FMRR),  capital accumulation (CpA) and both payback (PB) and discounted payback (DPB).

Graphically visualize your cash flows in the Cash Flows, Value and NPV graphs. Interactively change the interest rate using the slider to visualize changes to the payback and net present value of your investment.


Compute straight line, sum of years digits (SOYD), declining balance and declining balance with cross over to straight line depreciation schedules. All results are displayed in a scrolling table. The full depreciation table can be printed to the tape and mailed to clients.

Visually compare the depreciation methods using the graph view.

Loan Amortization

Enter a loan amount, interest rate, number of payments per year, and number of years and an amortization table is automatically generated. You can specify annual, semi-annual, quarterly or monthly compounding. Solve Canadian loans using the Semi-Annual compounding setting.

The included interactive graph allows you to visualize the portion of the payments applied to principal and interest over the life of the loan. Easily see the effect of changing the interest rate by moving the slider bar at the bottom of the screen.


Do curve-fitting and forecasting calculations using one of four models- linear, exponential, logarithmic, and power. Enter, review and edit up to 200 samples with the built in editor. Instantly compute standard deviation, population standard deviation, mean and weighted mean.


Download and analyze income and balance sheets for publicly traded companies. Automatically generate activity, leverage, liquidity, management, Dupont Analysis, profitability and shareholder’s ratios from the income and balance sheet entries.

You can also enter your own data in the income and balance sheets and compute the resulting ratios.