Instantly calculate internal rate of return from your investment cash flows - free, fast, and spreadsheet-free.
This calculator computes the IRR based on a fixed recurring cash flow or no cash flow.
This calculator computes the IRR based on the initial investment and subsequent annual cash flows.
Enter your investment and cash flows to instantly get your internal rate of return. No formulas. No downloads. Just clarity.
Otto AI IRR calculator gives you a fast and reliable way to evaluate the profitability of any investment based on cash inflows and outflows. Whether you're analyzing real estate, startups, or personal projects, the tool helps you understand what your money is truly earning over time.
Enter multiple cash flows and initial investment
Calculates annualized internal rate of return instantly
Ideal for real estate, business, or personal finance decisions
Works for uneven or periodic cash flows
Unlike basic ROI tools, Otto AI IRR cash flow calculator accounts for irregular timing and varying cash amounts. Whether you’re dealing with monthly, yearly, or non-linear returns, this calculator adapts to your scenario.
Handles uneven cash flows or custom intervals
Calculates IRR based on specific dates or periods
Supports both positive and negative cash flow sequences
Great for freelancers, investors, and finance professionals
Want to compare investment opportunities or evaluate the health of a project? Our internal rate of return calculator gives you a clear snapshot of investment performance, helping you prioritize where to put your money.
Use IRR to compare multiple investment options
Gauge financial viability before committing capital
Understand performance beyond simple ROI
Helps guide better financial planning and analysis
Otto AI IRR calculator online is completely free and designed for speed and ease of use. No logins, no spreadsheets—just fast results for anyone making important investment decisions.
100% free and accessible online anytime
No sign-up or data storage required
Instant calculations without formulas or Excel
Mobile-friendly for quick access on the go
S Corp Tax Calculator
Discover Your Savings Potential with an S Corp Structure!
Self Employment Tax Calculator
Estimate Your Self-Employment Taxes in Seconds!
401(k) Calculator
Plan Your Future—Find Out How Much Your 401(k) Can Grow!
1099 Tax Calculator
Simplify Your 1099 Taxes—Know Exactly What You Owe!
Everything you need to manage, organize, and grow your business with ease.
An IRR calculator helps you estimate the internal rate of return on an investment based on initial cost and a series of expected cash flows. It shows the annualized rate at which your investment breaks even in terms of net present value (NPV).
Simply input your initial investment amount (as a negative value) followed by a series of cash flows for each period. The calculator then determines the internal rate of return that sets your NPV to zero.
Otto AI IRR calculator is perfect for evaluating real estate projects, startup funding, business investments, or any financial scenario with periodic returns or uneven cash flows.
IRR measures the annualized return on an investment, factoring in the time value of money, while ROI simply shows the total return percentage without accounting for time.
Yes. Otto AI IRR cash flow calculator supports both even and uneven cash flows across multiple periods, making it ideal for real-world investments that don’t produce consistent returns.
Yes. You can use monthly, quarterly, or annual cash flows. Just be consistent with the period spacing for all inputs. The calculator will return the periodic IRR, which you can annualize if needed.
If your cash flow pattern results in more than one IRR or no real solution, the calculator may not return a result. This is a known limitation of IRR math, not the calculator itself. You may want to consider using an NPV approach in those cases.
Absolutely. Otto AI IRR calculator is 100% free to use, requires no login, and doesn’t store your data. It’s designed for fast, secure, and reliable financial planning.
Enter your investment and cash flows to instantly know your true return. It’s free, private, and works on any device.
.png){kind=small}