NPV & IRR Calculator
Net present value, internal rate of return and payback period for any series of yearly cash flows.
Result
How to use
- 1
Enter your required rate of return as the discount rate.
- 2
Type the cash flows, one per line: year 0 (the investment, as a negative number), then year 1, year 2 and so on.
- 3
See the NPV, IRR, payback period and a year-by-year present-value table.
Questions
What do NPV and IRR mean?
NPV adds up all cash flows after discounting each one back to today at your required return. A positive NPV means the project earns more than that return. IRR is the discount rate at which NPV becomes exactly zero — the project's own yearly return.
Which should I trust when they disagree?
NPV. IRR can mislead when cash flows change sign more than once (there may be several IRRs) or when comparing projects of very different sizes.
Which discount rate should I use?
Your cost of money or the return you could get elsewhere at similar risk — for example, your loan rate, an FD rate for safe projects, or 12–15% for business ventures.
About this NPV & IRR tool
NPV & IRR Calculator — Net present value, internal rate of return and payback period for any series of yearly cash flows. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your required rate of return as the discount rate.
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Results are estimates to help you plan. They are not financial, tax or medical advice.