This is a good calculator for those who are taking business classes.  This is helpful for those taking introductory courses in Accounting and also in Finance.  You can also use this to check your Excel spreadsheet and make sure that your formulas are correct.  This can be especially helpful when setting up an amortization table.  However, if your teacher will allow it, you may be better off with a graphing calculator, like a Ti-83.  You can use the Ti-83's TVM functions to do the same things, and it is a little bit easier to learn.