A data-driven planning guide specifically for Net Present Value (NPV) Calculator
Calculate the Net Present Value of any investment or business project. Compare future cash flows in today₹s money to make rational capital allocation decisions.
Real-World Scenarios
Positive NPV means the project earns more than the 10% discount rate—invest in it.
If you require 15% returns, this project is not worth pursuing—negative NPV.
Professional Strategy Insights
- Use NPV for all major capital decisions: property purchase vs renting, new business ventures, and even education investment (compare salary upside vs course cost).
- The discount rate you use in NPV should equal your opportunity cost—typically 12% (Nifty CAGR) for most Indian retail investors.
Frequently Asked Questions
What is Net Present Value?
NPV is the sum of present values of all future cash flows from an investment, minus the initial investment. A positive NPV means the investment adds value.
What discount rate to use in India?
Use 10-12% for most retail investment decisions (matching Nifty expected return). For startup/high-risk projects, use 20-25%.
eCalcy Editorial Team
Verified ExpertFinance Research & Editorial Board, eCalcy
Financial Technology Specialists · RBI, SEBI & IRS Verified Calculators
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.
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