IRR Calculator

IRR is the discount rate that makes the net present value of all cash flows equal zero. It is widely used to rank capital projects, private equity deals...

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Results

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Schedule

Introduction

IRR is the discount rate that makes the net present value of all cash flows equal zero. It is widely used to rank capital projects, private equity deals, and rental property investments.

Internal Rate of Return

IRR is the discount rate that makes the net present value of all cash flows equal zero. It is widely used to rank capital projects, private equity deals, and rental property investments.

Interpreting IRR

Higher IRR generally indicates a more attractive project if projects have similar risk, scale, and duration. A small project with 40% IRR may add less dollar wealth than a large project at 15%.

Multiple IRRs

Cash flows that switch from negative to positive more than once can produce multiple mathematically valid IRRs. In those cases, pair IRR with NPV at your hurdle rate or use modified IRR methods.

Hurdle Rate Comparison

Compare calculated IRR to your required return (cost of capital). If IRR exceeds the hurdle, the project theoretically creates value. Always sanity-check assumptions on terminal values and reinvestment.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the IRR Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Future Value with compounding: FV = P(1 + r/n)^(nt). For periodic deposits, each contribution grows from its deposit date at the same periodic rate.

FAQ

Yes. CDCalculator.io provides the IRR Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about investment products.