Speed and accuracy
For anything beyond simple two-digit arithmetic, a calculator is faster and far less error-prone than doing the math by hand. Compound interest, amortization, and percentages especially benefit.
When mental math still wins
Quick estimates — rounding a tip, sanity-checking a bill, doubling a recipe — are often faster in your head than picking up a device. Mental math also builds intuition that helps you spot calculator errors.
Best of both
Estimate mentally to know roughly what the answer should be, then use a calculator for the exact figure. If the two disagree wildly, you've caught a typo before it caused trouble.
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