Financial Calculator vs Formulas

Hi,

do you guys use a financial calculator? I mean not only to check numbers on the job but also for your private financial decisions (e.g. when it comes to saving plans or loans etc.). So far, I think one can do a lot with basic formulas like NPV, annuity factor and so on but was wondering what your approach is. Do you go for convenience and use a device with built in functions or do you prefer to fully comprehend the math behind it?

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