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AiTechWorlds
AiTechWorlds
Calculate simple and discounted payback period for an investment from cash flows.
Simple payback period
3.33 years
Discounted payback period
4 years
| Year | Discounted cash flow | Cumulative |
|---|---|---|
| 1 | 14,151 | 14,151 |
| 2 | 13,350 | 27,501 |
| 3 | 12,594 | 40,095 |
| 4 | 11,881 | 51,977 |
| 5 | 11,209 | 63,185 |
100% in-browser — simple payback divides investment by annual cash flow; discounted payback additionally accounts for the time value of money using your discount rate. All math runs locally, no data leaves your device.
Payback Period Calculator computes both the simple payback period (initial investment ÷ annual cash flow) and the discounted payback period (accounting for the time value of money at a given discount rate), with a year-by-year discounted cash flow schedule.
Enter the initial investment and annual cash flow
Assumed constant each year.
Enter a discount rate
For the time-value-adjusted version.
Compare simple vs. discounted payback
Discounted is always equal to or longer than simple.
100% Private — No Server Required
All processing happens directly in your browser. No data is uploaded, stored, or transmitted to any server.
Last reviewed on July 24, 2026 by the AiTechWorlds Tools Team. All processing runs locally in your browser.
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