Infinite Uneven Cash Flow Stream Calculator

Formula used

Listed cash flow present value: PV = Σ CFt × (1 - tax) / (1 + r)^t.

Growing infinite continuation: Terminal Value at n = CF(n+1) / (r - g), then PV terminal = Terminal Value / (1 + r)^n.

Repeating uneven cycle: PV∞ = PV cycle / [1 - ((1 + g)^m / (1 + r)^m)].

Net present value: NPV = PV of all future flows - initial outlay.

Here, r is the periodic discount rate, g is periodic growth, m is cycle length, and n is the last listed period.

How to use this calculator

1. Enter each uneven cash flow on its own line.
2. Use the format period, amount for accurate timing.
3. Add the annual discount rate and terminal growth rate.
4. Select the infinite stream model that matches your case.
5. Add taxes, inflation, timing, and initial cost if needed.
6. Press calculate and review the result section above the form.
7. Download CSV or PDF files for records and reporting.

About infinite uneven cash flow streams

What This Calculator Measures

An infinite uneven cash flow stream is a long series of irregular payments that continues beyond the visible forecast. The first years may rise, fall, or include gaps. Later years are handled by a continuing value. This calculator joins both parts. It discounts each listed cash flow, then adds a terminal model for the remaining stream.

Why Uneven Streams Need Care

Simple perpetuity formulas assume one stable payment. Real projects rarely behave that way. A solar lease, royalty contract, equipment saving, or research asset may start with uneven cash flows. After the early phase, the stream may grow smoothly or repeat a seasonal cycle. That is why the calculator supports listed cash flows, growth, tax effects, timing choices, and cycle repetition.

Using Discount Rates Correctly

The discount rate converts future money into today’s value. A higher rate reduces distant payments faster. A lower rate gives more weight to later value. You can enter an annual rate, choose payment frequency, and use a real basis when your cash flows exclude inflation. The tool converts annual assumptions into periodic rates before making calculations.

Interpreting The Result

Present value shows the worth of all future net cash flows today. Net present value subtracts the initial outlay. A positive result means the modeled stream is worth more than the cost. The terminal value often dominates an infinite stream, so always test several discount and growth assumptions. The sensitivity table helps you see how fragile the estimate may be.

Practical Tips

Use conservative growth when the stream lasts forever. Keep the terminal growth rate below the discount rate. Enter outflows as negative cash flows. Use after-tax settings only when the listed values are before tax. Review the chart to see which periods create the largest value. Export the table when you need to document assumptions or compare cases with your team. For engineering and physics style studies, the same logic can value energy recovery, maintenance savings, sensor output benefits, or lifetime efficiency gains. The result is not a guarantee. It is a structured estimate. Better inputs create better decisions, especially when the project has long useful life and uncertain returns.

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