Cardy-McCardell Calculator

Estimate future value and net present value from principal, rate, periods, cash flows, and selected currency.

965.2K uses Updated · 2026-05-25 Runs locally · zero upload
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How to Use Cardy-McCardell Calculator

  1. Choose the currency first so future value and NPV are displayed with the correct symbol.
  2. Enter the principal or present value that compounds over the selected number of periods.
  3. Enter the rate as a percentage per period, then enter the number of compounding periods.
  4. Enter cash flows separated by commas, spaces, or line breaks. Each cash flow is discounted according to its position in the list.

Formula & Theory - Cardy-McCardell Calculator

FV = PV x (1 + r)^n
NPV = -PV + Σ Ct / (1 + r)^t
  • r is the periodic rate written as a decimal, n is the number of periods, and Ct is the cash flow at period t.

Use Cases for Cardy-McCardell Calculator

  • Comparing investment assumptions with different rates and holding periods.
  • Testing whether a stream of expected cash flows justifies an upfront cost.
  • Explaining the difference between compounding a principal and discounting future cash flows.

Frequently asked questions about Cardy-McCardell Calculator

What inputs does Cardy-McCardell Calculator need?

Choose the currency first so future value and NPV are displayed with the correct symbol.

How should I interpret the result?

A positive NPV means the discounted cash inflows exceed the initial principal under the chosen rate.

Is my data stored?

No. All calculations happen in your browser; nothing is sent to a server.