Net present value calculator

Discount each cash flow back to time zero using one rate per equally spaced period.

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Net present value calculator processes your input in this browser. Inputs and results are excluded from analytics. Recent tools save tool names, visit counts and last-visit times. Saved tools store only their names. Draft saving is optional and stays on this device; delete saved text with the draft controls. Loading text from a URL is optional and contacts that server; its URL and your IP address are visible to the server. An optional “Use in” action keeps a handoff in this tab. The next tool removes it on arrival and ignores it if more than a minute has passed.

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Cash flows, starting at time zero

Discount rate per period (%)

Answer

…

NPV = Σ cash flow at period t ÷ (1 + rate)^t, including the initial time-zero cash flow.

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Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

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Formula and assumptions

The first entry occurs now; subsequent entries occur at the end of each period. Negative numbers are payments out. Use up to 1,000 entries. Irregular dates need a different model. Fixed assumptions only: no taxes, fees, changing returns, guarantees or product eligibility. Amounts share one currency.

In a list, use spaces, new lines, semicolons, or commas followed by a space. A comma between groups of three digits is a thousands separator.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Net present value calculator

NPV = Σ cash flow at period t ÷ (1 + rate)^t, including the initial time-zero cash flow.

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A worked example

Example inputs: cash flows, starting at time zero = -100 60 60, discount rate per period (%) = 10. Net present value = 4.13223140496.

Before you use the result

Example results for discount rate per period (%)

These examples use Cash flows, starting at time zero: -100 60 60. They are reference calculations, not recommended settings.

Discount rate per period (%)	Net present value
5	11.56
10	4.13
20	-8.33

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ToolOctopus. “Net present value calculator.” Updated 2026-09-26. https://tooloctopus.com/net-present-value-calculator.

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