When using Excel to solve for Net Present Value using the NPV function there is no place to insert the initial cash flow found at 0 on the timeline and will always incorrectly solve the problem. If the initial cash flow is inserted into the first value it will apply interest to that value whereas when solving NPV you don't adjust any value at the 0 location in the timeline.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-comfficeffice" /><o></o>