Project payback calculator
When do cumulative project cash flows recover payments made before opening?
Durable recovery within the entered horizon
Complete the inputs to see the result.
Check the complete worked calculation
The numbers below use the initial worked inputs. They are a teaching case; changing the calculator updates its result above, while this worked example remains fixed.
| Measure | Calculation or scope | Result |
|---|---|---|
| Opening project payments | Month-zero cash outlay | $100,000.00 |
| Durable recovery | First nonnegative cumulative balance that stays nonnegative through the entered horizon | Month 11 |
| Final cumulative project cash | − opening outlay + sum of entered flows | $20,000.00 |
| Horizon tested | Supplied monthly project cash entries | 12 months |
A temporary first crossing followed by another loss is not durable recovery. This undiscounted project measure excludes an added reserve as a second expense. A shorter horizon, delayed collection or later replacement payment can change the result.
Calculations retain full input precision. Displayed amounts are rounded. Continue with the related planning guide and worksheet →
Read the result within its limits
The result is the first month at or above zero after which cumulative cash never falls below zero again within the supplied horizon. This is simple, undiscounted project payback; it does not include terminal value or cash flows you have not entered.
Do not add the cash reserve to opening outlay and then subtract the same financed operating losses again. Returning the owner’s entire contributed cash is a different question that needs a distribution schedule.
See the whole financial chain.
Use the restaurant worked example to connect opening capital, revenue, costs and cash. All its financial values are synthetic.
Financial information disclaimer
Published research and calculations support business planning and education. They are not personalized financial, investment, tax or legal advice, and they do not guarantee costs, revenue, profit or financing. Estimates depend on the stated format, location, source periods and assumptions. Check the requirements and commitments that apply to your circumstances.