Internal rate of return for a series of cash flows, plus NPV at a chosen discount rate.
How to use this calculator
Every field updates the result as you type — there is no submit step. The inputs below are pre-filled with a realistic example so you can see how the tool behaves before entering your own figures.
| Field | Unit | What it means |
|---|---|---|
| Cash flows (period 0 first, comma or space separated) | — | Enter one entry per line, or separate values with commas. |
| Discount rate for NPV | % | Enter a numeric value. |
Worked example
Using the default values loaded into the calculator above, the result is:
| Input | Value |
|---|---|
| Cash flows (period 0 first, comma or space separated) | -50000, 12000, 15000, 18000, 21000, 9000 |
| Discount rate for NPV (%) | 8 |
| Output | Value |
|---|---|
| IRR | 15.0776% |
| NPV at 8% | $9,821.05 |
| Sum of cash flows | $25,000.00 |
| Payback period | 3.24 periods |
| Number of periods | 5 |
Reading the result
Financial projections compound small assumption changes into large differences over time. Rates, fees and tax treatment vary by lender and jurisdiction, so treat the output as a well-structured estimate for comparing options rather than a quotation.
Figures that change annually — tax bands, contribution limits, statutory rates — are exposed as editable inputs. Check them against current published values before relying on the result.
Sharing and saving a calculation
The "Copy link" button encodes every value you have entered into the page URL. Opening that link restores the calculation exactly, which makes it easy to bookmark a scenario, send it to someone else, or keep several variations side by side in separate tabs.
Frequently asked questions
What does the IRR Calculator do?
Internal rate of return for a series of cash flows, plus NPV at a chosen discount rate.
What result do the default values produce?
With the values pre-loaded in the calculator, irr comes to 15.0776%.
Is this calculator free to use?
Yes. It is free, requires no account, and runs entirely in your browser — nothing you enter is transmitted or stored on a server.
Can I save or share a calculation?
Yes. The "Copy link" button builds a URL containing all your entered values. Anyone opening that link sees the same calculation.
How accurate is the result?
The calculation itself is exact for the inputs given. Real-world accuracy depends on how well those inputs reflect your actual situation, so review the assumptions before relying on the figure.