CONTEXT. JUDGEMENT. ACTION.
EDITIONBUSINESS.

Useful journalism to understand, manage and grow a business.

Search
Explore Edition Business
Investment and planning

Business investment return

Investment at time zero, flows at year-end and residual in final year. Payback indicates collection year; no payment interpolation. IRR only for conventional flows with a unique root.

Your inputs

Selected currency
currency / year
years
% / year
Advanced options
annual net flows · Optional Separate values with semicolons, without thousands separators. Calendars: one net flow per period, in order; replaces recurring flows, retains initial payments. Example: -1000;2000;3000.
Selected currency
Solve a target

Variable to solve: Initial investment
Target result: NPV

Only the indicated variable changes; other inputs remain fixed. The solution is checked using the direct calculation within your bounds.

NPV

Inputs are sent only to calculate. They are not included in public URLs or stored as editorial content.

Scenario result

Estimate based on your assumptions

NPV-€52.59
Estimated annual IRR
9.7 %
Simple payback
3 years
Discounted payback
Not calculable / not reached
Maximum investment at zero NPV
€9,947.41
Balance · EUR / Period
2,000-6,00013
Breakdown by period
PeriodAnnual net cash flowEURPresent valueEURBalanceEUR
14,0003,636.36-6,000
24,0003,305.79-2,000
34,0003,005.262,000
Export inputs and results

Compare scenarios

Up to three private scenarios saved in this tab until it closes. Export a copy to keep it; they are not published or saved to your account.

Model version 1.0.0

Method and assumptions

Investment at time zero, flows at year-end and residual in final year. Payback indicates collection year; no payment interpolation. IRR only for conventional flows with a unique root.

Examples are illustrative. Profitability excludes recoverable indirect taxes; use consistent periods. Results depend on your inputs. No automatic legal rates are applied.

NPV = −I₀ + Σ CFₜ / (1 + r)ᵗ

Related reading

Conceptual illustration of a cube with circuits, a potted plant, and stacked coins balanced on a wooden plank.
Guide · 19.10.2026

Practical Guide to Structuring a Sustainable Digital Banking Business Model

Designing a digital financial institution requires balancing technological innovation with profitability and regulatory compliance. This guide analyzes three key business models—Bank as a Platform, Bank as a Service, and Product Leader—and explains how to integrate measurable sustainability goals, using CaixaBank's strategic framework as a reference for green capital mobilization and financial inclusion.

Read story