NPV Calculator
NPV Calculator
Net present value and IRR from a custom cash flow schedule — see if an investment clears your required return.
Net present value and IRR from a custom cash flow schedule — see if an investment clears your required return.
We Are Calculator
Professional Financial Tools
8/25/2026
Your required rate of return or cost of capital — the higher this is, the more future cash flows are discounted.
At a 10% discount rate, this investment adds $35,304 of value in today's dollars — generally worth pursuing.
Above your 10% discount rate, consistent with the positive NPV.
The simple sum of all cash flows, ignoring the time value of money — compare this to the NPV above to see what discounting costs you.
Entered as a negative cash flow.
Years (or other periods) after the initial investment.
Free financial calculators, verified against primary sources like the IRS, CFPB and Federal Reserve. No sign-up, and every calculation runs entirely in your browser — nothing you type is ever sent to us.
Picked based on what this calculator does
Operating and Free Cash Flow.
Open calculatorEstimate your pension present value for net worth.
Open calculatorCash flow, Cap Rate, and ROI.
Open calculatorGross, Operating, and Net Margins.
Open calculatorEfficiency ratios.
Open calculatorCustomer value analysis.
Open calculatorThe NPV Calculator helps you take control of your day-to-day financial life. It provides instant, accurate results and helps you model scenarios so you can make better decisions with your money.
Personal finance is 90% behavior and 10% math. Simple rules — paying yourself first, spending less than you earn, avoiding high-interest debt — beat complex strategies. This tool gives you the numerical clarity to make those behavior changes stick.
Most personal finance decisions come down to three equations:
Your savings rate is the single most predictive number. A 10% savings rate means working 45 years to retire. A 50% rate cuts that to 17 years, per research from Mr. Money Mustache applying the 4% rule.
Your results show how today's choices compound. Focus on:
3 months of essential expenses if you have stable W-2 income; 6–12 months if self-employed or commission-based. Keep it in a high-yield savings account (currently ~4–5% APY), not checking.
The US personal savings rate averages 4–5%. 15% is good. 25%+ puts you on an early-retirement trajectory. 50%+ is typical of FIRE movement practitioners and requires aggressive lifestyle design.
Both work. Detailed budgets (every dollar) catch leaks. "Pay yourself first + track totals" is easier to maintain. Pick the method you'll actually do for 12+ months.
Calculate a 12-month rolling average. Pay yourself a consistent "salary" from a buffer account. Save every dollar above that average during good months for lean months.