It won't win any beauty contests, but this free software calculator rocks the socks off the standard Windows applet. In addition to doing simple arithmetic, Calc98 supports financial functions, (including interest and discount, annuity, mortgage payment), unit conversions, physical constants, and support for matrices and complex numbers. It can even work in Reverse Polish Notation (RPN). A modest but well-chosen set of options lets you fine-tune the keypad and the way digits are displayed. Our main complaint with Calc98 is it can't emulate a paper tape--a useful feature when you want to store your calculations. We also thought pressing the shift key ought to trigger the program's shift function. But don't let that stop you. If you don't need good looks or graphing capabilities, Calc98 probably has everything you'd want in a desktop calculator.