Calculator
What the NPV Calculator does
NPV Calculator: calculates NPV and NPV ≥ 0? from Initial Investment, Annual Cash Flow and Discount Rate %. Example: initial investment 100000 ₹, annual cash flow 30000 ₹ and discount rate % 10 gives NPV ₹13,723.60.
With Initial Investment, Annual Cash Flow, Discount Rate % and Years entered, the NPV Calculator works out NPV and NPV ≥ 0?. Everything recomputes live, which makes it easy to test a few scenarios in a row.
A quote sounds reasonable until you total the interest over the full term. The NPV Calculator exists to take that particular chore off your hands.
Your data stays on your machine. Once the page has loaded you could disconnect entirely and it would still work.
Field definitions, the method, and a worked example from the default values are all set out further down the page.
What do the NPV Calculator fields mean?
The NPV Calculator uses 4 inputs. It opens with a complete example loaded, which is usually the quickest way to understand what a field means.
| Field | What to enter | Default |
|---|---|---|
| Initial Investment | measured in ₹; accepts 0 to 100000000 | 100000 |
| Annual Cash Flow | measured in ₹; accepts -10000000 to 100000000 | 30000 |
| Discount Rate % | accepts 0 to 50 | 10 |
| Years | accepts 1 to 40 | 5 |
How does the NPV Calculator work?
Each output is derived from the inputs above in a single pass; there is no hidden state carried between runs, so the same inputs always give the same calculation.
Bad input produces a message, not a silently incorrect figure.
Worked example
These are the values the NPV Calculator loads by default, and the result it produces from them. The numbers below come straight from the default inputs, so you can verify them against the live tool.
| Initial Investment | 100000 ₹ |
|---|---|
| Annual Cash Flow | 30000 ₹ |
| Discount Rate % | 10 |
| Years | 5 |
| NPV | ₹13,723.60 |
|---|---|
| NPV ≥ 0? | Yes |
How to use it
- Type Initial Investment in ₹ (0 to 100000000).
- Enter Annual Cash Flow in ₹ (-10000000 to 100000000).
- Set Discount Rate % (0 to 50).
- Put Years (1 to 40).
- No submit step is needed; the output updates while you edit.
- Look at NPV and NPV ≥ 0? in the output panel.
- To keep the result, either copy the link or print the page. Both preserve what is on screen.
What this tool does not do
- Lender rounding conventions differ, so your statement may vary by small amounts.
- Advertised rates are usually the best-case tier, not the one most applicants are offered.
- Precision beyond what the inputs justify is not meaningful, however many digits appear.
- Garbage in, garbage out: confirm each figure means what you think it does before trusting the result.
Frequently asked questions
Enter Initial Investment in ₹ and Annual Cash Flow in ₹. Both the inputs and the result are explicitly labelled, so mixed units cannot slip through unnoticed.
Initial Investment accepts 0 to 100000000 ₹. Anything beyond those bounds is flagged rather than approximated.
With the values loaded when the page opens, NPV comes out as ₹13,723.60. Try changing one value. The answer refreshes without a page reload.
No. The work runs in JavaScript inside this page, so your values never leave your device. You can confirm it in your browser network tab.
It is free with no conditions: no sign-up, and no limit on how often you use it.
Accurate arithmetic, indicative answer. It is at its most useful when you run it two or three times to see which input the result is genuinely sensitive to.