NPV Calculator
A net present value model for a cash-flow stream at your discount rate.
It measures NPV (Excel-style: first CF at end of period 1) net of the initial outlay.
Use it to accept or reject a project when timing of cash matters more than a simple ROI.
Signal Lab · Model
NPV Calculator
NPV (net present value) — present value of a cash-flow stream at your discount rate, net of the initial outlay. Excel NPV style: first CF is end of period 1.
Illustrative sample (100k outlay · 30k × 5 · 10%). Not financial advice.
Outlay, discount rate, and cash flows
Enter Initial as a positive outlay. Persist locally · Jump to results
Net present value
Accept if NPV > 0. Excel NPV assumes first CF is end of period 1.
Equations
- NPV = −Initial + Σ CFt ÷ (1+r)t for t = 1…5 · r = DiscountRate ÷ 100
- UndiscountedSum = −Initial + Σ CFt
- Decision = Accept if NPV > 0 · Indifferent if NPV = 0 · Reject if NPV < 0
How this is calculated
- NPV (net present value) = −InitialInvestment + Excel-style NPV(rate, CF1:CF5)
- Excel NPV assumes the first value is the end of period 1 (not t0) — Initial is handled separately as the t0 outlay
- Undiscounted sum = −Initial + sum of CF1…CF5
- Accept when NPV > 0; Indifferent when NPV = 0; otherwise Reject
Illustrative — not financial advice. Pair with IRR / XIRR for the rate that zeros NPV.
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