Net Present Value Calculator
Discount a stream of yearly cash flows at your hurdle rate: net present value, total discounted inflows, payback and a rate-sensitivity comparison.
Example values are shown — change any of them and the answer updates live.
$
%
Y1
Y2
Y3
Net present value
−$21
$1,000 invested, discounted at 10% per year.
✗ BELOW THE HURDLE RATE
Total inflows$1,200
Total discounted$979
Payback (undiscounted)2.6
NPV > 0 means the project earns more than the discount rate. Illustrative — not investment advice.
Rate sensitivity
At 10%
−$21
10%
At 15%
−$108
15%
A 5-point higher hurdle changes the verdict by .
$87
Net present value
Step 1 · Net present value
NPV = Σ CFₜ ÷ (1+r)ᵗ − investment
10% · 3 flows
-21.04
Step 2 · Payback (undiscounted)
cumulative inflows ≥ investment
$1,200 vs $1,000
2.6
Estimates under the stated assumptions, for illustration — not financial advice.