Cash Flow Diagram Builder

Type your cash flows on the time line — up arrows are receipts, down arrows are costs — and get a clean, labeled cash-flow diagram plus the equivalent Present Worth (PW), Future Worth (FW) and Equivalent Uniform Annual amount at your interest rate. End-of-period compounding. Free to use, works offline.

1 · Interest rate & periods

Interest rate i (% per period)

Period unit (label only)

Study period N (last period on the axis) — leave blank to auto-fit

Convention: up arrow = cash in (receipt/benefit), down arrow = cash out (cost). Period 0 = “now”. Interest is treated as effective per period (end-of-period).

2 · Add cash flows

Period (t)

Amount (₱)

Direction

3 · Cash-flow diagram

Inflow (receipt) Outflow (cost)

4 · Equivalent values

Present Worth

—

at period 0

Future Worth

—

at period N

Equiv. Annual

—

over 1…N

Total inflows (undiscounted)—

Total outflows (undiscounted)—

Net (undiscounted)—

Show the formulas used

PW = Σ Cₜ · (1 + i)⁻ᵗ

FW = Σ Cₜ · (1 + i)^(N − t) = PW · (1 + i)^N

A = PW · (A/P, i, N) = PW · [ i(1+i)^N ] / [ (1+i)^N − 1 ] (i ≠ 0)

Cₜ is the signed cash flow at period t (inflows +, outflows −). When i = 0: PW = FW = ΣCₜ and A = ΣCₜ / N.

Study aid. Uses discrete end-of-period compounding at one constant rate. For nominal/effective-rate conversions, gradients with closed-form factors, or word problems, use the Eng Econ Formula Sheet and the Eng Econ Worded / Figure Solvers.