Payback period calculator

Before you buy equipment or start a project, see how long it takes to recover the money. Enter the investment and the extra monthly cash it brings in.

How to use it

  • You enter the data
  • Smallo works it out
  • You get the result
  1. Enter the initial investment.
  2. Enter the net cash it brings in per month.
  3. Read the payback period and the result after 12 and 36 months.

Frequently asked questions

What counts as monthly net cash?

The extra money the investment brings in or saves each month, after its own running costs. For a new oven, that is the added profit from extra sales.

What is a good payback period?

Shorter is safer. Many small businesses look for one to three years, but compare it with how long the investment will last.