Give every flow its own discount factor
For a flow C at time t, discounted value is C/(1+i)^t. Add the individual values to obtain the stream’s present value. The first line is t=1, not t=0. Equal rows are optional: this tool is intended for payments that differ in size or direction.
Signed values preserve economic direction
Positive rows are receipts and negative rows are payments. A negative amount remains negative after discounting. This calculator reports the gross discounted stream; if you need to compare it with a separate initial purchase price, use NPV rather than inserting the same initial cost in two places.
Example and timing boundary
A single $1,100 receipt at the end of period one has present value $1,000 at a 10% periodic discount rate. Adding a second receipt requires its own two-period discount factor. Rows represent equal periods, not dates; an irregular calendar schedule needs an explicitly dated model that this release does not provide.
Questions about this calculation
How can I check the inputs behind the result?
Open “Show calculation & assumptions” for the formula and timing conventions, then inspect the breakdown. Export CSV to keep the last calculated inputs and numerical results together.
Does this include taxes or changing market returns?
No tax calculation or variable market-return path is included. The task-specific assumptions above describe the scope. Calculated values are conditional on the inputs, not personalized recommendations.
Learn more
Start with the step-by-step future value formula guide.
Open the formula guide →How to calculate future value · Spreadsheet calculations · All learning guides
Use these figures to explore assumptions. Actual interest, returns, fees, taxes and purchasing power can differ.