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Free IRR Calculator

Find the internal rate of return of an investment from its yearly cash flows.

The IRR is the discount rate at which the net present value of the initial outflow and later inflows equals zero. The calculator searches for that rate numerically and compares it with your required return, also showing total cash received and profit.

How to use the IRR Calculator

  1. Enter your starting amount, regular contribution, expected return and time period.
  2. Read the end value and the split between money you put in and growth.
  3. Try a lower return as well as a higher one, because real markets are uneven.

About the IRR Calculator

Find the internal rate of return of an investment from its yearly cash flows.

Time and consistency do most of the work in saving and investing. Running the numbers shows how small changes in rate, term or contribution add up.

Getting started with the IRR Calculator

Using the irr calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.

Tips for better results

Use IRR together with NPV, because it ignores project size and can mislead when cash flows change sign several times. Compare it with a realistic hurdle rate.

Treat the result as an illustration, not a promise. Returns vary year to year.

Fees and inflation reduce real growth, so consider both when planning.

Privacy and where your data goes

Everything you type into the irr calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.

Frequently asked questions

Why does the calculator say no IRR?

An IRR needs at least one outflow and one inflow. If all flows have the same sign, no rate makes NPV zero.

Can there be more than one IRR?

Yes, when cash flows switch between positive and negative more than once. The tool reports one rate, so check with NPV.

Is the irr calculator free?

Yes. It is free to use with no signup, no watermark and no usage limits.

Is my data private?

Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.

Does it work on mobile?

Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.

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