Future Value & NPV Calculator

Calculate Future Value (FV) or Present Value (PV) for any investment. Use NPV to make rational decisions on business projects and real estate.

＋Equis / Investment Analytics
Mode
Present Value (Invest Today)
₹
Expected Return Rate
%
Investment Tenure
Years
ASSET

Investment Report

Total Invested₹1,00,000
Returns / Interest Earned₹46,933
Future Value₹1,46,933

EQUIS Take (Asli Sach)

Aaj ka 1 lakh, 10 saal baad 1 lakh nahi rahega. Inflation (mehengai) ke hisaab se 6% bhi adjust karo toh uski

purchasing power lagbhag aadhi reh jayegi. Hamesha real returns pe focus karo.

The Math Behind Future Value & NPV Calculator

Understanding the true mechanics of this instrument helps you make optimal decisions with your money.

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1. Time Value of Money

The core insight: a rupee today is worth more than a rupee tomorrow. Future Value measures how much today's money grows to. Present Value measures how much a future amount is worth today — at a given rate of return.

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2. Using PV for Business Decisions

Present Value (discounting) is how smart investors evaluate opportunities. If the PV of all future returns from a project is less than the cost today, the project destroys value. NPV > 0 means it creates value.

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3. The Discount Rate Is Critical

The discount rate you choose dramatically changes outcomes. Using 6% vs 12% can make a project look either excellent or worthless. Always use a rate that matches your opportunity cost — typically the return of your next-best alternative.

Frequently Asked Questions

What is the difference between Future Value and Present Value?expand_more
Future Value answers: 'How much will my money be worth later?' Present Value answers: 'How much is a future amount worth today?' Both use the same time value of money principle with compound interest math.
How is NPV used in investment decisions?expand_more
Net Present Value (NPV) = PV of all future returns minus initial investment cost. If NPV > 0, the investment creates wealth. If NPV < 0, reject it. NPV is the primary tool for evaluating business projects and real estate investments.