2 min read
Break-even months = upfront investment ÷ monthly net benefit. Under 12 means it repays inside a year.
How to use it
Enter what an investment costs upfront and the extra monthly profit or cost saving it will generate. The result is how many months until the cumulative benefit has repaid the outlay — its simple payback period.
It's a fast first filter: shorter paybacks are lower risk because you recover your money before much can change. It ignores the time value of money and anything beyond the payback point, so pair it with the wider picture for big decisions.
Everything runs in your browser — nothing you type is sent or stored. Results are illustrative, not a quote or a credit decision.
Frequently asked questions
Is a shorter payback always better?
Usually, for risk — you get your money back sooner. But it ignores what happens after break-even. A slightly longer payback that then earns for years can beat a quick one that stops. Weigh the whole life of the investment.
Should I use profit or cash?
Use the actual net cash benefit each month — extra profit plus any cost saved, after running costs. That's what genuinely repays the outlay. Don't count non-cash items like depreciation.
Is this a quote?
No — it's a free illustration. Your actual Credicorp offer depends on an assessment of your company.
Related reading
Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.