{
  "calculator": "roi-payback-calculator",
  "title": "ROI + Payback Period Calculator",
  "site": "AI Biz Hub",
  "input": {},
  "defaults_used": {
    "initial_investment": 50000,
    "upfront_benefit": 0,
    "annual_net_benefit": 14000,
    "analysis_years": 5,
    "residual_value": 8000,
    "discount_rate_percent": 10
  },
  "result": {
    "simpleRoiPercent": 56,
    "annualizedRoiPercent": 9.3,
    "paybackYears": 3.57,
    "discountedPaybackYears": 4.65,
    "totalNetGain": 28000,
    "totalNominalInflow": 78000,
    "totalDiscountedInflow": 58038.39,
    "npv": 8038.39,
    "timeline": [
      {
        "year": 0,
        "cumulativeNominalInflow": 0,
        "cumulativeDiscountedInflow": 0
      },
      {
        "year": 1,
        "cumulativeNominalInflow": 14000,
        "cumulativeDiscountedInflow": 12727.27
      },
      {
        "year": 2,
        "cumulativeNominalInflow": 28000,
        "cumulativeDiscountedInflow": 24297.52
      },
      {
        "year": 3,
        "cumulativeNominalInflow": 42000,
        "cumulativeDiscountedInflow": 34815.93
      },
      {
        "year": 4,
        "cumulativeNominalInflow": 56000,
        "cumulativeDiscountedInflow": 44378.12
      },
      {
        "year": 5,
        "cumulativeNominalInflow": 78000,
        "cumulativeDiscountedInflow": 58038.39
      }
    ],
    "scenarioTable": [
      {
        "label": "conservative",
        "annualNetBenefit": 11200,
        "simpleRoiPercent": 28,
        "paybackYears": 4.46
      },
      {
        "label": "base",
        "annualNetBenefit": 14000,
        "simpleRoiPercent": 56,
        "paybackYears": 3.57
      },
      {
        "label": "optimistic",
        "annualNetBenefit": 16800,
        "simpleRoiPercent": 84,
        "paybackYears": 2.98
      }
    ],
    "warnings": [],
    "assumptionsEcho": {
      "initialInvestment": 50000,
      "upfrontBenefit": 0,
      "annualNetBenefit": 14000,
      "analysisYears": 5,
      "residualValue": 8000,
      "discountRatePercent": 10
    }
  },
  "provenance": {
    "run": "https://aibizhub.io/api/run/roi-payback-calculator",
    "page": "https://aibizhub.io/roi-payback-calculator/",
    "methodology": "https://aibizhub.io/roi-payback-calculator/",
    "contract": "https://aibizhub.io/contracts/roi-payback-calculator.json",
    "engine": "https://aibizhub.io/engines/roi-payback-calculator.js",
    "engine_sha256": "299d17aea5b5a57498ddee3d904d428522acf067f89dcab34cef24a1bd7a6898",
    "build": "42c727dd573e245d1be09199a062c665d7f6f47e",
    "prices_verified": "2026-10-24",
    "prices_source": "https://aidevhub.io/api/models.json"
  },
  "disclaimer": "Business planning estimates — not legal, tax, or accounting advice.",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "cite": "AI Biz Hub, ROI + Payback Period Calculator (engine 299d17aea5b5), https://aibizhub.io/api/run/roi-payback-calculator"
}