If you are reading this review, you already have a smartphone or computer that makes this thing worthless. Find an online financial calculator or a standalone app and bask in the ability to copy/paste text, save information, or read multiple lines at a time. If you need this for your class, then you'll have to deal with this product. Fortunately, it's very cheap. But what if you want a standalone device dedicated towards personal financial management? Whether you're just "old school" or you want something that doesn't come with the distraction of Facebook, don't bother. This comes with something that far outweighs those desires: frustration. There are three sources of frustration in this tool: #1: the keys. They're too mushy when compared to a smartphone and they're too small when compared to a PC. When compared to a smartphone, you might think "Physical keys? sounds great!" Well, these are more ethereal than physical. If you press a key multiple times, there is a small chance that it will only register some of your presses. If you type in $500, you'll need to look at the display to make sure it didn't register $50. When comparing this to a desktop, it is too small. The keys on a desktop or laptop keyboard are spaced 0.75 inches apart, that's enough room for one key per finger, and very fast data input is possible. You have to look where the keys are and type with a single finger on this calculator. If you had the choice between a $20 number pad and this product, you should get the number pad. #2: the screen: It's a good screen. It is easy to read. But again, your computer, and even your smartphone, can display EXCEL SPREADSHEETS. There's no contest. Unless you must use this device for your exam, don't use it. #3: the functionality. Obviously you'll already have to be a financial expert to know how this calculator works. However, what you might not be familiar with is the various different modes and abbreviations it uses or the random things it doesn't indicate. If you press the + key, it won't show the + symbol on screen. You have to just.. trust that when you hit = later, it will add the two numbers together. When you want to set the I/Y, which stands for Interest per Year, you might not know if you should "enter" the new value or "set" the new value. Once you think you've got it, you'll need to double check that it's actually working. Again, this is much, much easier with a PC or even mobile device.
Conclusion: if you are a student studying personal finance, and your syllabus mentions this product, get it. It's reasonably priced, it works for simple calculations, and it will absolutely save your hide on tests. The first frustration is minimized because you won't practice with the calculator enough to type "too quickly" on it. The second frustration is minimized because your test questions will be simpler than real life problems. The third frustration will be minimized because your teacher or your textbook will explain how to set the equipment to the proper mode for each assignment. But don't even consider getting this product for real-world use. It is worse than what you already have.