Calculate cash-flow borrowing rate from your own figures.
Calculated in your browser. No account required. Illustrative estimate. Review the assumptions before using the result.View calculation table
How this calculation works
Solve 0 = Net proceeds − Σ(payment_k ÷ (1+i)^k)
Enter the labelled inputs. Percent fields use 5 for 5%. IRR-based estimate; statutory APR rules vary.
A worked example
Cash flows at equal intervals (proceeds positive then repayments negative): 1000,-550,-550. IRR per cash-flow period: 6.59646%.
Assumptions and limitations
IRR-based estimate; statutory APR rules vary. All monetary inputs must use one currency and time period unless conversion is explicit. Manual inputs only; no live prices or official rule tables. Requires a single change of cash-flow sign for a unique conventional IRR. Equal spacing only. Rates are per entered period, not automatically annualized.
Common questions
Why can my actual result differ?
IRR-based estimate; statutory APR rules vary. All monetary inputs must use one currency and time period unless conversion is explicit. Manual inputs only; no live prices or official rule tables. Requires a single change of cash-flow sign for a unique conventional IRR. Equal spacing only. Rates are per entered period, not automatically annualized.
Are my inputs saved?
The calculator code processes inputs within your browser and does not send them to our server or save them in browser storage. Downloads and copied summaries remain under your control.