Enter premiums (outflows) and benefits/maturity amounts (inflows). The IRR is the rate r where NPV = 0. Choose the cash‑flow frequency; we’ll show the period IRR and the equivalent annual effective rate.
Add repeated premiums automatically
Premiums are entered as negative cash flows. We’ll add #periods rows: period t = start, start+1, …
How IRR is computed
NPV equation
NPV(r) = Σ cft/(1+r)t. We solve for r where NPV = 0 using Newton’s method with a bisection fallback. If all cash flows are the same sign, IRR is undefined.
Annual effective
If you choose monthly frequency and the period IRR is i, we show annual effective = (1+i)12 − 1. Likewise for other frequencies.
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Enter cash flowsStatus
Add at least one negative (premium) and one positive (benefit) cash flow.
Tips
Multiple sign changes can produce multiple valid IRRs. We report the principal root we bracket. For irregular dates (XIRR), tell me and I’ll add a date‑based mode.
Manual copy (clipboard blocked)
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