IRR & NPV Calculator
Compute NPV at any discount rate and solve IRR (bisection on the IRR equation) for a period cash-flow series: investment analysis, project comparison and bond-style math with exact, reproducible results. Period 0 is the initial outflow.
Worked examples
Classic project
GET /api/v1/finance/irr-npv?cashflows=-1000%2C500%2C400%2C300%2C100&ratePct=10
Result: NPV @ 10% = 78.82 · IRR = 14.49%
Real-estate style
GET /api/v1/finance/irr-npv?cashflows=-250000%2C12000%2C13000%2C13500%2C14000%2C265000&ratePct=7
Result: NPV @ 7% = -16,788.45 · IRR = 5.37%
No-IRR case (all positive)
GET /api/v1/finance/irr-npv?cashflows=100%2C120%2C140&ratePct=5
Result: NPV @ 5% = 341.27 · IRR: no sign change (no solution in −99.9%…1000%)
Machine API (x402)
$0.01 / callThis tool is also a JSON API for AI agents. Requests without payment receive 402 Payment Required plus instructions; agents pay USDC on Base via the x402 protocol — no accounts, no API keys.
GET /api/v1/finance/irr-npv?cashflows=-1000%2C500%2C400%2C300%2C100&ratePct=10 HTTP/1.1
Host: agentstoolshub.com
→ 402 (payment required, instructions in headers)
→ 200 (after X-PAYMENT header; JSON body below)
{
"tool": "finance/irr-npv",
"input": {"cashflows":"-1000,500,400,300,100","ratePct":10},
"result": { "value": 78.81975274912901, "answer": "NPV @ 10% = 78.82 · IRR = 14.49%" }
}Agent docs: /llms.txt · OpenAPI spec · integration guide
About this tool
Exact NPV at your discount rate plus IRR solved by bisection to 9 decimal places — no Newton-method divergence, no spreadsheet required. The pair of numbers that decide project selection: positive NPV creates value at that rate; IRR is the break-even discount rate itself.
NPV = Σ CFt/(1+r)^t; IRR is r where NPV = 0
Frequently asked questions
Which cash-flow sign convention?
Period 0 is 'now' — write the investment as negative (-1000) and later returns as positive. IRR only exists if the flows change sign at least once.
What does NPV > 0 mean?
The project returns more than your discount rate: after repaying the cost of capital at ratePct, you're left with that many present-value units of profit.