T077 · Banking, Loans & Indian Savings

IRR / Periodic Cash Flow Annualized Return Calculator

IRR / कैश फ्लो रिटर्न कैलकुलेटर

Calculate the annualized Internal Rate of Return (IRR %) for a series of annual cash flows (e.g., ULIP/endowment premiums or business project investments) using Newton-Raphson solver.

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Quick Examples:

Calculated Output & Breakdown

Annualized Internal Rate of Return (IRR)
12.41% p.a.
Annualized IRR
12.41% p.a.
Total Outflows (-)
₹5,00,000
Total Inflows (+)
₹7,20,000
Net Cash Profit
₹2,20,000
Period (Year)Cash Flow (₹)Type
Year 0-₹1,00,000Outflow (Invested)
Year 1-₹1,00,000Outflow (Invested)
Year 2-₹1,00,000Outflow (Invested)
Year 3-₹1,00,000Outflow (Invested)
Year 4-₹1,00,000Outflow (Invested)
Year 5₹7,20,000Inflow (Received)
Use this tool to check the true IRR of money-back or endowment insurance policies before committing to 15–20 year premiums.

About this tool

Explore an annualised return estimate from the periodic cash-flow series and frequency assumptions shown. Keep investment outflows and receipts consistently signed and spaced according to the selected model.

Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.

हिंदी में जानकारी: IRR / कैश फ्लो रिटर्न कैलकुलेटर

मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।

Features

  • Work with Annual Cash Flows (Comma-separated: negative for investments, positive for payouts).
  • Review Annualized IRR; Total Outflows (-); Total Inflows (+) in the result breakdown.

Benefits

  • Compare a periodic sequence of contributions and receipts.
  • Check whether the cash-flow signs match the intended scenario.

Who should use this tool?

  • People checking a cash-flow example.
  • Analysts reviewing a periodic-return estimate.

How to use

  1. Complete the labelled fields for your scenario, including Annual Cash Flows (Comma-separated: negative for investments, positive for payouts). Use the units shown beside each field.
  2. Try the example labelled “5 Years × -₹1L Investment → ₹7.2L Maturity in Year 6” if you want to check the workflow first.
  3. Select Calculate / Run Tool and review Annualized Internal Rate of Return (IRR) and Annualized IRR; Total Outflows (-).
  4. Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.

Try these worked examples

ScenarioExample inputsExample result
5 Years × -₹1L Investment → ₹7.2L Maturity in Year 6Annual Cash Flows (Comma-separated: negative for investments, positive for payouts): -100000, -100000, -100000, -100000, -100000, 72000012.41% p.a.
Project: -₹5L Outflow → +₹2L, +₹2.5L, +₹3L InflowsAnnual Cash Flows (Comma-separated: negative for investments, positive for payouts): -500000, 200000, 250000, 30000021.65% p.a.

Reference and processing

Standard NPV = 0 Internal Rate of Return Solver · Listed applicability: 2025-2026

Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.

FAQs

Can I treat an irregularly dated cash-flow list as equally spaced?

This tool’s periodic model depends on the chosen interval assumptions. Irregular calendar dates need a corresponding dated-cash-flow calculation rather than an equally spaced series.

Which inputs do I need for IRR / Periodic Cash Flow Annualized Return Calculator?

Use Annual Cash Flows (Comma-separated: negative for investments, positive for payouts). The built-in examples show how those fields fit together.

What should I check before using this result?

Cash flow series must contain at least one negative outflow (investment) and one positive inflow (redemption). Check current official rules and your own circumstances before making a filing or financial decision.

What happens to the information I enter?

Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.

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