IRR Calculator

Interest Rate Calculator
Find the annual interest rate given present value, future value, and time.
Enter present and future values with the number of years, then click Calculate.

What this calculator does

This interest rate calculator solves for the implied annual rate of return given a present value, future value, and number of years. It's useful when you know how much an investment grew but not the exact rate.

Use it to evaluate past investment performance, compare offers, or check whether quoted returns make sense given the starting and ending values.

How to use this calculator

Enter your information in the fields above, run the calculation, and review the result to understand what it means for your situation.

How to interpret your result

Look at the output in the context of your overall goals rather than in isolation. Consider how sensitive the result is to changes in your inputs (for example, adjusting the amount, rate, or time) to understand which factors matter most.

Limitations and notes

This tool is a simplified model and does not capture every nuance of real life. Treat it as a planning aid, not a guarantee. For important financial or health decisions, combine these results with professional advice and more detailed analysis.