Payback Period Calculator
Find how long flat annual cash flows take to repay an investment.
Quick answer: enter your details below and click Calculate Payback Period — your result appears instantly, right here in your browser. Nothing you enter is uploaded or stored.
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Enter your details below.
How to use
- Enter the initial investment.
- Enter annual net cash flow.
- Click Calculate Payback Period.
About this tool
Enter the initial investment and annual net cash flow, and the tool gives the payback period in years. This is an estimate that ignores the time value of money and assumes steady cash flow, so use it alongside NPV or IRR for bigger decisions.
Frequently asked questions
Should I use gross or net cash flow?
Net. Use cash left after running costs, since that is what actually repays the investment.
What if cash flow varies by year?
This tool assumes a flat figure. For uneven years, add each year's flow until the total passes the investment.