Both calculators have the ability to program complex keystrokes, so that you can make them automatic. With over 100 business functions built into these calculators, you can figure out loans, savings, leasing, amortization, and bond prices (with yield to maturity). Both calculators are recommended by HP for use in finance, accounting, economics and business work. The 12C Platinum is a step up from the HP 12C in that it has a 399 step memory capacity (as opposed to just 99) and over 130 built in functions (as opposed to 120). The HP 12C Platinum comes with a one year warranty.