// multi-utility computation suite · offline · instant · precise
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fin.invest-payback Calculator
Calculates both simple payback period and discounted payback period (adjusted for the time value of money) from initial investment and annual cash flows. Discounted payback is always longer than simple payback — projects that look quick on simple payback often still destroy value in NPV terms.
Inputs
Initial
Upfront cost — the negative cash flow at time zero in NPV/IRR analysis.
Cashflow
Total net cash received or paid in one year. Used in payback period and simple ROI calculations.
Rate
Rate used to bring future cash flows back to today's value. Higher rates make future money worth less — used in NPV, bond pricing, and valuation.
Results
simple payback
Reference formula or conversion factor shown for context.