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Net present value of a series of cash flows at a discount rate. Result stays in your browser
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Computes net present value — the sum of each cash flow discounted to today: NPV = sum(CF_t / (1+r)^t), where CF_0 is the initial outlay (usually negative).
NPV is the standard capital-budgeting rule: a project with positive NPV earns more than the discount rate, while a negative NPV destroys value. It lets you compare investments with different sizes and timings on one number.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Investors, founders evaluating projects, finance students, and anyone deciding whether a series of future returns justifies an upfront cost.
Enter the discount rate (annual, in percent)
Enter cash flows, one per line or separated by commas
Make the first value the initial investment, as a negative number
Use negative for money out and positive for money in
Read the NPV — positive means the investment adds value at that rate
-1000, 300, 300, 300, 300, 300 at 5% → NPV about 298.84-5000, 2000, 2000, 2000 at 10% → NPV about -26.30 (not worth it at 10%)-1000, 1331 at 0% → NPV = 331 (no discounting)What does a negative NPV mean?
At the chosen rate the investment returns less than the discount rate requires.
How is the first value treated?
It is t=0 (today) and is not discounted.
Is my data shared?
No, everything runs locally in your browser.
What rate should I use?
Typically your cost of capital or the return of your next-best alternative.
Can cash flows be uneven?
Yes, enter any amount for each period, positive or negative.
Authoritative specifications, standards, and in-depth reading for NPV Calculator.
One cash flow per line or separated by commas. Negative = money out, positive = money in. The first value happens today (t=0).
Annual rate used to discount each future cash flow
Net present value
$298.84
6 cash flows discounted at 5%. Positive NPV: the investment adds value at this rate.
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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