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IRR Calculator

Internal Rate of Return is the discount rate that makes the NPV of a cashflow stream equal zero — the standard metric for comparing investments with uneven cash flows.

Annual cash flows

Year 0 should be negative (your investment). Following years are returns. Add as many as needed.

Internal rate of return (IRR)

14.41%

Annualized — comparable to interest rates

Total inflows

$155,000

Total outflows

-$100,000

Net gain

$55,000

Use IRR for: private equity, real estate deals, multi-year business projects — anything with timing that matters and uneven cash flow patterns.

Analysis & insights

Your total in is $155,000, based on the inputs above. Tax outcomes drive the math behind nearly every other financial decision — savings rate, affordability, retirement.

Quick estimate

This calculator uses just a few inputs. Adjust them to see how each variable shifts the answer.

Risk & benchmark gauge

Current band

Low

Total In: $155,000

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Industry benchmarks

  • Irr14.41
  • Total In$155,000
  • Total Out-$100,000
  • Net Gain$55,000

Key insights

Pre-tax contributions reduce taxable income

Every dollar to 401(k), HSA, or traditional IRA reduces taxable income at your marginal bracket — typically 12-32% federal.

Sensitivity testing

Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.

Recommended actions(4)

Test the realistic range of each input

High priority

Try the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.

Impact: Reveals which inputs matter most and where uncertainty hides.

Compare against published benchmarks

Medium priority

Whatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.

Save or download a copy

Medium priority

For calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.

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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.