The HP10b+ Scientific Calculator: A Complete and Financial Treatise

The HP 10bII+ Financial Calculator

A complete scientific and financial treatise for students, professionals, and independent learners who want to master one of the most practical financial calculators ever designed.

The HP 10bII+ Financial Calculator is far more than a manual of keys and commands. It is a comprehensive guide to the language of finance as expressed through a compact, powerful, and widely used calculator. From the first principles of time value of money to the more demanding terrain of bonds, amortisation, capital budgeting, depreciation, statistics, business applications, and portfolio analysis, this book leads the reader carefully from procedure to understanding.

Written for serious study and practical use, this volume explains not only which keys to press, but why those keys produce the answer. Each major financial operation is developed through clear reasoning, formal derivations, worked examples, calculator workflows, reference tables, exercises, and complete solutions. The result is a book for readers who do not merely wish to obtain numerical answers, but to understand the financial structure beneath them.

The book covers present value, future value, annuities, loan payments, amortisation schedules, savings plans, interest-rate conversion, uneven cash flows, NPV, IRR, MIRR, project appraisal, bonds, yield, duration, convexity, depreciation, breakeven analysis, business forecasting, descriptive statistics, regression, probability, mortgages, consumer credit, retirement planning, inflation, cost of capital, discounted cash-flow valuation, working capital, portfolio return and risk, performance measurement, real estate finance, professional examination workflows, error control, and a complete keystroke atlas.

It is equally suited to finance students, MBA candidates, accounting students, actuarial and quantitative beginners, business practitioners, investors, teachers, and independent learners preparing for demanding professional or academic work. The HP 10bII+ becomes, in these pages, not a mere instrument of calculation, but a disciplined companion for financial reasoning.

Rich in examples, explanations, derivations, reference tables, and case studies, this volume transforms the HP 10bII+ into a complete working environment for applied finance, business mathematics, and professional decision-making.

Topics include:

• Time value of money, present value, future value, and annuities


• Loan payments, amortisation, mortgages, and consumer credit


• Cash-flow analysis, NPV, IRR, MIRR, and project appraisal


• Bond pricing, yield, duration, convexity, and fixed-income case studies


• Depreciation, breakeven analysis, business forecasting, and working capital


• Statistics, regression, probability, portfolio risk, and performance measurement


• Retirement planning, inflation, real return, cost of capital, and DCF valuation


• Complete HP 10bII+ key reference, formula compendium, keystroke atlas, appendices, and index

About the Author

Richard Murdoch Montgomery, MD, PhD, is a neurologist, mathematician, and the author of more than 15 scientific books available on Amazon by The Scottish Science Society. His work brings together medicine, mathematics, finance, computation, and scientific scholarship with intellectual rigour, clarity, and practical vision.