---
title: "NPV, IRR and Payback Calculator | MCC Solutions"
description: "Enter an investment, a discount rate and expected cash flows to get net present value, IRR, profitability index and payback. Free and private."
url: "https://mcc-solutionsnj.com/bookkeeping/npv-irr-payback-calculator"
---

Paid calculator

# NPV, IRR and payback calculator

Test a purchase, a new location or a project. Enter the up-front cost, your discount rate and the cash you expect each period.

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Paid calculator

## NPV, IRR and payback calculator

Buy this calculator on its own for $9, one time. No membership needed. It runs in your browser and nothing you enter is sent to us or saved. Read how it works and the questions below first.

Want a second pair of eyes on your books? [A free bookkeeping health check](/bookkeeping/health-check).

The [Financial Suite](/bookkeeping/financial-suite) includes this and 9 more tools for $49. Members get this included. [See the membership](/membership) or [sign in](/membership/login). Already bought it? Email me my access link.

How it works

## How it works

**NPV** adds up the cash flows after discounting each back to today at your rate, then subtracts the investment. **IRR** is the rate that makes NPV exactly zero. **Payback** is how long until cumulative cash covers the cost, and discounted payback does the same using discounted cash. The first cash flow is one period after the investment.

FAQ

## About this calculator

**What discount rate should I use?**

Use the return you could earn on a similar-risk alternative, or your cost of capital. A higher rate makes future cash worth less today. The WACC calculator can help set it.

**What does a positive NPV mean?**

At your chosen rate, the project returns more than it costs in today's dollars. It is a screening tool, and the forecast cash flows drive the answer.

**Why can IRR be missing?**

Some cash flow patterns, such as several sign changes, have no single IRR or none at all. NPV still works.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

**Is this tax or financial advice?**

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

Related: [roi and payback calculator](/bookkeeping/roi-and-payback-calculator), [wacc calculator](/bookkeeping/wacc-calculator). See [all free tools](/free-tools). More free tools: [Business loan payment calculator](/bookkeeping/business-loan-payment-calculator), [Self-employed tax calculator](/bookkeeping/self-employed-tax-calculator), [1099 contractor payment tracker](/bookkeeping/1099-contractor-payment-tracker), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

### Business Planning Bundle

Plan the cash, set the budget, price for profit and watch the monthly numbers, in four workbooks that use the same plain method.

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## Want your books and numbers handled?

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