What is the IRR Calculator?
Find the internal rate of return (IRR) — the discount rate that makes NPV equal zero. Money decisions are easier when you can see the numbers. Our finance calculators use the same standard formulas banks and financial planners use — amortization, compound interest and present-value math — so you can compare options before you commit.
How to use the IRR Calculator
- Enter your cash flows.
- Results update automatically as you type; you can also press Calculate.
- Read the output: irr, sum of cash flows.
- Use the 📊 chart to see the result visually, then copy or share it.
Formula and method
Worked example
With cash flows = -10000, 3000, 4000, 4000, 3000, the IRR Calculator returns irr: 14.90%; sum of cash flows: $4,000.00.
Tips for better results
- Compare at least two scenarios (for example, a 15- vs 30-year term) before deciding.
- Small rate differences compound: a 0.5% lower rate can save thousands over a long loan.
- Results are estimates; your lender’s fees, taxes and exact day-count rules may change the final figure.
⚠️ These results are for educational purposes and are not financial advice. Confirm figures with your lender or a licensed financial professional before making decisions.
Frequently asked questions
What does the IRR Calculator do?
Find the internal rate of return (IRR) — the discount rate that makes NPV equal zero.
How is it calculated?
The IRR Calculator uses this method: 0 = Σ CFₜ ÷ (1 + IRR)^t (solved numerically).
Can you show an example?
With cash flows = -10000, 3000, 4000, 4000, 3000, the IRR Calculator returns irr: 14.90%; sum of cash flows: $4,000.00.
Is the IRR Calculator accurate?
It uses standard published formulas and is tested against known values, but results are estimates for guidance. These results are for educational purposes and are not financial advice. Confirm figures with your lender or a licensed financial professional before making decisions.
Is this tool free and private?
Yes — the IRR Calculator is completely free with no sign-up, and it runs entirely in your browser, so the values you enter are never uploaded to our servers.
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