What is this? A dollar today is worth more than a dollar tomorrow — that's the time value of money. This calculator tells you what a future payment or series of payments is worth RIGHT NOW, given a discount rate. If the NPV of an investment is positive, it's worth doing.
NPV rule: NPV > $0 → the investment creates value. NPV < $0 → the investment destroys value. When comparing two investments, pick the one with higher NPV.
Who it's for: Investors, business managers evaluating projects, and anyone comparing payment options spread over time.
Discount Rate
oninput="render()"
oninput="render()"
Projected Cash Flows (enter negative for costs)
YearCash Flow ($)
NPV Results
Net Present Value
—
Total Cash Flows
—
Invest or Not?
—
NPV analysis is a fundamental investment tool but should be used alongside IRR, payback period, and risk analysis.