Present Value & NPV Calculator

Understand what future money is worth today

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
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Projected Cash Flows (enter negative for costs)
YearCash Flow ($)
NPV Results
Net Present Value
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Total Cash Flows
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Invest or Not?
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📊 Free: NPV Investment Analysis Checklist

Get the 10-point checklist serious investors use to validate NPV calculations before committing to a deal. Includes discount rate guidance and cash flow sensitivity tables.

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NPV analysis is a fundamental investment tool but should be used alongside IRR, payback period, and risk analysis.

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