Why standard calculators lose precision
Standard calculators and most programming languages represent numbers using IEEE 754 double-precision floating point. This format stores roughly 15 to 17 significant decimal digits. When you multiply two 20-digit numbers, the result can have up to 40 digits, but a double can only hold about 15 of them accurately. The remaining digits are silently rounded or lost.
Arbitrary-precision arithmetic avoids this by representing each digit explicitly, much like doing long multiplication on paper. The trade-off is speed: operations on very large numbers take longer than hardware floating-point, but for most practical purposes the difference is negligible.