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NPV Calculator

Compute Net Present Value from an initial outlay, discount rate and constant or variable cash flows.

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Capital Gains Yield CalculatorCompute the capital gains yield from the purchase and current price, with dividend yield, total return and the annualised equivalent.Dividend Payout Ratio CalculatorTwo ways in — total dividends over net income, or DPS over EPS — with the retention ratio as its complement and what each level implies.Dividend Reinvestment (DRIP) CalculatorMonth-by-month DRIP with price appreciation, dividend growth, tax and contributions — and the DRIP advantage.Effective Yield CalculatorConvert a nominal rate into the effective annual yield for any compounding frequency, with APR and APY side by side.EPS Calculator (Earnings Per Share)Basic and diluted earnings per share from net income, preferred dividends and share counts.Fibonacci Extension CalculatorProject Fibonacci extension targets (1.272, 1.618, 2.618…) from an A-B impulse and its C retracement.Fibonacci Retracement CalculatorGet the 23.6% – 78.6% Fibonacci retracement price levels between a swing low and high, either trend direction.Forward Rate CalculatorDerive implied forward rates from a spot yield curve under annual, semi-annual or continuous compounding.

NPV Calculator is free to use as often as you like, directly from this page. You will find it under Investing & markets, with Capital Gains Yield Calculator and Dividend Payout Ratio Calculator for the neighbouring cases.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does NPV Calculator do?

Compute Net Present Value from an initial outlay, discount rate and constant or variable cash flows.

When would I actually use this?

Comparing two investments that pay at different times, deciding whether a project clears its cost of capital, and sanity-checking a valuation someone else produced.

What is the most common mistake?

Trusting a valuation without asking what share of it comes from the terminal value. Past 70%, the answer is an assumption about the distant future dressed up as a calculation.

How is NPV Calculator different from Capital Gains Yield Calculator?

They sit next to each other but answer different questions: Capital Gains Yield Calculator is the one to open when you need it to compute the capital gains yield from the purchase and current price, with dividend yield, total return and the annualised equivalent. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Dividend Payout Ratio Calculator is the closest one after this: Two ways in — total dividends over net income, or DPS over EPS — with the retention ratio as its complement and what each level implies.

What else is worth having open alongside it?

Dividend Reinvestment (DRIP) Calculator and Effective Yield Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Discounting, IRR and payback are defined identically everywhere, so the arithmetic is not in dispute — the assumptions you feed it are. Change the discount rate by a point and re-read the answer.

Further reading

All guides →
ComparisonNPV vs IRR: What to Do When the Two Rules Rank the Same Projects DifferentlyIRR picks the $10,000 project returning 50 percent; NPV picks the $100,000 project returning 30 percent, worth $20,370 against $3,889. And a mine with a cleanup cost has two IRRs, 10 and 20 percent, so the rate answers nothing.GuideBuying Back Retirement Quarters or Points: From What Age It Stops PayingThe usual advice is that a buy-back gets worse with age, because the price rises. The French scale is written to be actuarially neutral, so that is not quite what is happening — and once you see what actually moves the answer, the decision changes. Computed on the current parameters.GuideCosting the Return of an Internal Project That Generates No RevenueThe migration, the tooling change, the process fix: the most common business case there is and the least documented. The value is avoided cost plus recovered time — and on a $130,000 migration, 60.5 % of the recovered hours have to be genuinely redeployed before the five-year net present value even reaches zero.ExplainerWhy the Payback Period Lies When the Cash Flows Are UnevenIt throws away everything after the cut-off, ignores the time value of money, and ranks a project that returns early and then dies above one that returns steadily. Computed: payback prefers the worse project by 1.33 years while net present value prefers the better one by $19,571. And the popular shortcut — one divided by the payback — overstates the true return by 17 points on a five-year asset.ExplainerPrice Return, Total Return and Yield Are Three Different NumbersThe index quoted in the news is almost always a price index. At 5 percent price growth and a 2.5 percent reinvested yield, 30 years turn $10,000 into $43,219 on price and $90,656 on total return — the price measure misses 58.8 percent of the gain.ExplainerDividend Reinvestment: What Actually Drives the DifferenceReinvesting a 3 percent yield for 30 years turns 100 shares into 242.7 and multiplies the final position by exactly that factor: $32,434 becomes $78,726. Tax at 30 percent on each dividend costs $18,223 of it — nearly two and a half times the tax actually paid.