NPV Calculator
Net present value of a cash flow series at a chosen discount rate.
%
Net present value
$14,149.99
Positive NPV — the return beats the discount rate
PV of inflows
$64,149.99
Initial outlay
-$50,000.00
Undiscounted total
$37,000.00
Periods
5
Discounted cash flows
Year 1: $12,000.00$10,909.09
Year 2: $15,000.00$12,396.69
Year 3: $18,000.00$13,523.67
Year 4: $20,000.00$13,660.27
Year 5: $22,000.00$13,660.27
ShowHide the working
- 1Each year's cash flow is divided by (1 + 0.1)^year to bring it to today's money
- 2Present value of all inflows = $64,149.99
- 3NPV = $64,149.99 − $50,000.00 = $14,149.99
Formula
NPV = Σ CFₜ ÷ (1 + r)ᵗ − initialHow it works
Discounts future cash flows back to today's value and subtracts the up-front cost. A positive NPV means the project earns more than your required rate of return.
Example
Investing $50,000 for five years of growing cash flows at a 10% discount rate gives an NPV of about $14,150.
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About the NPV Calculator
Net present value of a cash flow series at a chosen discount rate. It sits in the Finance & Loans section of NWS Calc, a free collection of calculators that run entirely in your browser. There is no signup, no paywall and no tracking — open the page, enter your numbers, get an answer.
Frequently asked questions
- Is the NPV Calculator free to use?
- Yes. Every calculator on NWS Calc is completely free, with no signup, no usage limits and no ads.
- Does my data leave my device?
- No. The NPV Calculator runs entirely in your browser using JavaScript. Nothing you type is uploaded, logged or stored on a server.
- Can I use the NPV Calculator on my phone?
- Yes. The page is fully responsive and works in any modern mobile or desktop browser — there is nothing to install.
- What else is in Finance & Loans?
- Loans, mortgages, interest, savings and investment returns. You can browse the full Finance & Loans category for related calculators.