Profitability / Free financial tools

ROI, NPV & IRR Calculator

Evaluate an investment using annual cash flows, discounted value and simple return.

USD • Planning model · Instant results · No sign-up

Enable JavaScript to use this interactive calculator. The calculation method and assumptions are explained below.

How this calculator works

NPV discounts each annual end-of-period cash flow and subtracts the initial investment. ROI compares total net gain with the initial cost. IRR is solved only for a conventional stream with nonnegative future cash flows.

Planning estimate only. Review the assumptions alongside the result before using it for a tax, financing or business decision.

Common questions

Why is IRR sometimes unavailable?

Mixed-sign cash flows may have multiple or no IRRs. The calculator withholds a potentially misleading single root.

Does the payback period show all risk?

No. Undiscounted payback ignores the time value of money and can miss later negative cash flows. Review the complete schedule and NPV.

Put your numbers into context.

A calculator can help you ask better questions. Tell ZTax what you are planning and we will discuss the records, scope and support you need.

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