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NPV (Net Present Value) Calculator

See whether a series of future cash flows is worth more than your upfront investment, discounted back to today's dollars — entirely in your browser.

Your Investment & Cash Flows

Net Present Value

Add at least one year of expected cash flow.

YearCash FlowPresent Value

How It Works

1

Enter Your Investment & Rate

The upfront cost and the discount rate you want to evaluate it against.

2

List Expected Cash Flows

One entry per year — add as many as your projection needs. Negative years are fine too.

3

See the NPV & Breakdown

Updates instantly, with each year's cash flow discounted back to today's value individually.

Frequently Asked Questions

What does NPV actually tell you?

Whether a series of future cash flows, once discounted back to today's dollars at your chosen rate, is worth more or less than what you'd have to invest upfront to get them. A positive NPV means the investment clears that discount rate; a negative NPV means it doesn't.

What discount rate should I use?

That depends entirely on your own required return or cost of capital — a personal savings goal, a company's weighted average cost of capital, or simply what you could otherwise earn on the money elsewhere. This tool doesn't recommend a rate; it just shows you the math for whatever rate you enter.

Can a cash flow be negative?

Yes — enter a negative number for any year where you expect an additional cost rather than income, such as a planned repair or reinvestment.

Is my financial information private?

Yes. Every calculation happens entirely inside your browser tab — your investment amount and cash flow figures are never sent anywhere.

Is this financial advice?

No, this is a calculation based on the cash flows and rate you enter. It doesn't account for taxes, inflation beyond what's built into your discount rate, or risks specific to your situation.