NPV Calculator
Use the NPV to work through nPV from the values you enter. Review the notes below the result so you understand what the figure represents.
Net Present Value
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PV of all cash flows —
Verdict —
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How it works
NPV = −investment + Σ CFₜ ÷ (1+r)ᵗHow to use the NPV
Enter the requested values and start with one realistic example. Read the result together with its unit or label, then change one input at a time if you want to compare options.
Use the result as a planning estimate. Rates, fees, rules and personal circumstances can change the final figure.
Frequently Asked Questions
What does a positive NPV mean?
The project earns more than your discount rate: its discounted future cash exceeds the upfront cost, so it adds value. Negative NPV means your money does better elsewhere at that rate.
What discount rate should I use?
Your opportunity cost of capital: a company's weighted cost of capital (often 8–12%), or for personal decisions the return you would otherwise earn. Higher risk deserves a higher rate.
NPV vs ROI — which is better?
ROI ignores timing; NPV knows a dollar in year 5 is worth less than one in year 1. For multi-year decisions NPV is the finance-textbook standard.