Payback Period Calculator

The payback period is how long it takes for an investment's cash flows to recover its upfront cost.

Your details

Initial investment$Annual cash flow$

Payback period (years)

4.17

In months: 50

Payback period (years)4.17

Formula

Payback period = initial investment ÷ annual cash flow.

Sources & methodology

•U.S. SBA — business guides — U.S. SBA

Last updated: 2026-07-20

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