12Calc

12Calc is the sort of finance app people reach for when they want a calculator that thinks in money terms rather than a plain pocket calculator. By our assessment, the point is convenience for percentage work, budgeting, and other small calculations that come up around bills or savings. The trade-off is that a finance calculator is only as good as the formulas and fields it offers; it will not replace a full spreadsheet or a proper accounting tool. In use, this kind of app is usually quick and direct, with little ceremony and not much room for mistakes. It sits above the basic calculator in usefulness for money tasks, but below full personal-finance software, and the name itself already tells you it is meant to be a calculator first.