Net Present Value
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📈
Compound Interest Calculator — Final Amount & APY
See how a single deposit grows with compound interest. Pick how often the interest compounds — daily for crypto/stocks, monthly for HYSAs, quarterly for bonds.
$0.00
NPV
Total cash flows
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Years
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A positive NPV means the investment creates value. A negative NPV destroys it.
A positive NPV means the investment creates value. A negative NPV destroys it.
How compounding frequency matters
A 5% rate compounded daily yields 5.1267% APY; compounded monthly it is 5.116%; annually, 5.0%. The difference is small at low rates, but at 20% or higher, daily compounding can add 0.5-1% extra per year. For practical purposes, monthly is the right default for most savings accounts.
How this calculator works
What is Net Present Value?
NPV is the gold standard for investment valuation. It translates all future cash flows into today's dollars — the only fair basis for comparing investments of different sizes and time horizons.
📈
Compound Interest Calculator — Final Amount & APY
See how a single deposit grows with compound interest. Pick how often the interest compounds — daily for crypto/stocks, monthly for HYSAs, quarterly for bonds.
$0.00
NPV
Net Present Value
—
Total cash flows
—
Years
—
A positive NPV means the investment creates value. A negative NPV destroys it.
A positive NPV means the investment creates value. A negative NPV destroys it.
How compounding frequency matters
A 5% rate compounded daily yields 5.1267% APY; compounded monthly it is 5.116%; annually, 5.0%. The difference is small at low rates, but at 20% or higher, daily compounding can add 0.5-1% extra per year. For practical purposes, monthly is the right default for most savings accounts.
How this calculator works
What is Net Present Value?
NPV is the gold standard for investment valuation. It translates all future cash flows into today's dollars — the only fair basis for comparing investments of different sizes and time horizons.