IRR Calculator
Internal rate of return for investments.
IRR Calculator
Internal Rate of Return for investments
About the IRR Calculator
Business calculators for break-even, NPV, IRR, profit margins, and valuation. All private, in-browser.
How to Use This Calculator
Get business metrics in seconds.
- 1
Enter your financial data
Input costs, prices, cash flows, or investment amounts.
- 2
Set your assumptions
Specify discount rate, growth rate, or time period.
- 3
Adjust variables
Modify inputs to run different scenarios instantly.
- 4
Analyze the output
Review key metrics with charts and detailed breakdowns.
Key Features
Professional-grade features for financial analysis:
Precise decimal arithmetic
No floating-point errors in financial calculations.
Scenario modeling
Run best-case, worst-case, and expected scenarios side by side.
Visual charts
Interactive charts for break-even, cash flow, and returns.
Detailed breakdowns
See every component with clear, auditable formulas.
No account required
No signup, no email — your business data stays private.
Export-ready results
Print or screenshot with no watermarks.
The Business Math Explained
Break-even = Fixed Costs ÷ (Price − Variable Cost). Margin = (Revenue − Cost) ÷ Revenue. NPV = Σ [CFₜ / (1+r)ᵗ] − Investment. Markup ≠ margin: 50% markup on $100 = $150, but margin is only 33.3%.
Business Decision Examples
Real business scenarios:
Pricing a product
40% margin on $60 cost = $100 price. 40% markup = only $84.
Evaluating an investment
$100K generating $25K/year for 5 years: NPV negative at 10%, positive at 8%.
Break-even for a startup
$50K fixed costs, $100 price, $40 variable = 833 units to break even.
Business valuation
$200K profit at 3x multiple = ~$600K valuation.
Strategic Business Tips
Insights for better financial decisions:
Know your contribution margin
(Price − Variable Cost) ÷ Price. Aim for 40%+.
Use NPV, not payback
NPV accounts for time value of money — payback does not.
Track gross vs net margin
High gross but low net means overhead is too high.
Run sensitivity analysis
Test ±10–20% changes in key inputs to assess risk.
Benchmark against peers
Compare margins and multiples to industry averages.
Financial Analysis Pitfalls
Common errors to avoid:
Confusing margin and markup
50% markup = only 33.3% margin. Always clarify which you use.
Too high discount rate
Use 8–12% established, 15–20% growth, 20–30% startup.
Ignoring working capital
Profitable projects can fail if cash is tied up in inventory.
Underestimating costs
Plans typically underestimate costs by 20–30%. Add buffers.
Forgetting terminal value
Often 60–80% of DCF valuation — small changes have big impact.
Expert Tips
Update projections quarterly
Re-run break-even and NPV every quarter.
Use conservative assumptions
Lower revenue, higher costs — if it still works, it is solid.
Document your assumptions
Record inputs to update and defend your analysis.
Common Questions
Can I use these for client presentations?
What discount rate should I use?
How is IRR different from ROI?
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Markup Calculator
Calculate markup percentage from cost to price.
Cash Flow Calculator
Project operating, investing, and financing cash flow.
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