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An amortization schedule calculator is often used to adjust the loan amount until the monthly payments will fit comfortably into budget, and can vary the interest rate to see the difference a better rate might make in the kind of home or car one can afford.

The fundamental difference between a calculator and computer is that a computer can be programmed in a way that allows the program to take different branches according to intermediate results, while calculators are pre-designed with specific functions (such as addition, multiplication, and logarithms) built in.

In 1961, a comptometer type machine, the Anita Mk VII from Sumlock comptometer Ltd., became the first desktop mechanical calculator to receive an all-electronic calculator engine, creating the link in between these two industries and marking the beginning of its decline.