How do I find the NPV of cash flows that are different in amounts? I'm using sa 10bII Financial Calculator. How do I calculate the NPV with a discount rate, also? Please help.

Unless the non-equal cash flows are a geometric sequence, you'll generally need to PV each amount separately, and then sum. Here's a simple illustration which you can generalize to just about any sequence of cash flows...

Suppose I'm holding an investment which will pay me $135 two years from today, and then $572 five years from today. Just those two payments, and then game over*. Suppose further than the risk-adjusted annual discount rate appropriate for this investment is 14%.

The PV of this investment, as of today, is just \frac{135}{1.14^2} \ + \ \frac{572}{1.14^5} \ = \ 400.96.

*(Don't laugh... such investments do exist. In fact, if you'll loan money to my ex-brother-in-law, then you too can experience the thrill and excitement of holding paper whose cash inflows are erratic and quite infrequent.)

*(Don't laugh...such investments do exist. In fact, if you'll loan money to my ex-brother-in-law, then you too can experience the thrill and excitement of holding paper whose cash inflows are erratic and quite infrequent.)

No thank you. (Sorry, I laughed. Was that not allowed?)

Déjà vu... the guy's banker also said "No thank you" -- and then laughed. :p