Top BPO Companies in the World
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Featured
What are Featured Providers?
$1,000+< $25 / hr1,000 - 9,999Chicago, ILServices provided
See all 28 projectsHugo Inc. | Top CX Provider is an outsourcing company specializing in customer experience (CX) and support services. The company consistently receives high praise for its effective project management and adaptability, with 100% of reviewers noting the team's ability to seamlessly integrate into existing operations. Approximately 70% of the feedback highlights the company's impressive cultural fit and commitment to quality, with measurable outcomes like increased efficiency and customer satisfaction.
$1,000+< $25 / hr50 - 249Portland, ORServices provided
See all 17 projectsTECHSPEED INC is a business process outsourcing company specializing in data entry, data management, and customer service. Reviews highlight their impressive project management, responsive communication, and high accuracy in data-related tasks. Notably, 100% of reviewers praised their ability to deliver projects on time and their adaptability to client needs, while 0% reported any areas for improvement.
$1,000+< $25 / hr1,000 - 9,999Angeles, PhilippinesServices provided
See all 7 projectsConnext is a business process outsourcing company specializing in call center services, transaction management, and accounting processes. Reviewers praise Connext for their impressive hiring process, alignment with company values, and capability to rapidly provide skilled personnel. Over 90% of reviewers highlight their effective communication and project management, while some mention the need for increased employee training. The company is recognized for fostering long-term partnerships.
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$1,000+< $25 / hr2 - 9
Services provided
Exim Consultants, a Corporate Law company, was founded in 2018. The team offers Corporate Law and Finance Law and is located in Laxmi Nagar, India.
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$5,000+$150 - $199 / hr2 - 9St. Louis, MO
Services provided
Lead Time Marketing is a Marketing Strategy company. Their team is based in St. Louis, Missouri and focuses on Marketing Strategy and Search Engine Optimization.
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Featured
What are Featured Providers?
$1,000+< $25 / hr1,000 - 9,999Hollywood, FLServices provided
See all 172 projectsRemote CoWorker is a virtual assistance and administrative support company highly praised for its exceptional service delivery and flexibility in handling diverse business needs. Clients reported significant productivity improvements, with many indicating increased efficiency and time savings. Notably, 100% of reviewers highlighted their impressive communication and project management skills, while also acknowledging the company's ability to tailor solutions to fit client budgets and values.
$1,000+< $25 / hr250 - 999Hatboro, PAServices provided
See all 11 projectsHelpSquad is a customer service outsourcing company specializing in live chat support, call center augmentation, and virtual assistance across various industries. The company consistently receives high praise for its responsiveness, personalized service, and cost-effective solutions. Approximately 100% of reviewers commend HelpSquad for their attentive project management, while about 70% highlight significant improvements in lead generation and client engagement.
$5,000+< $25 / hr1,000 - 9,999Cebu City, PhilippinesServices provided
See all 9 projectsSelect VoiceCom is a customer service and sales outsourcing company praised for its ability to enhance client operations through effective team staffing and management. Across reviews, 100% highlight their exemplary project management and communication, often going above expectations. Approximately 85% of reviews mention their cultural alignment and responsiveness, while results include increased sales, customer satisfaction, and overall efficiency.
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$1,000+$100 - $149 / hr2 - 9Mumbai, India
Services provided
The Lead Mafia is a small Direct Marketing company. Founded in 2025, the team offers Direct Marketing and Marketing Strategy.
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$1,000+< $25 / hr2 - 9
Services provided
Creative Growth is a branding company. The Davao, Philippines-based agency was established in 2020. Their services include Branding and UX/UI Design.
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Undisclosed< $25 / hr2 - 9
Services provided
Outsorix is a software development company. They offer Custom Software Development and Customer Service Outsourcing and are based in Pristina, Kosovo.
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Undisclosed$50 - $99 / hr2 - 9Halwill Junction, England
Services provided
Dooie Creative, a branding company, offers Branding and Search Engine Optimization. The company is located in Halwill Junction, England.
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Undisclosed$25 - $49 / hr2 - 9
Services provided
Branding agency Graphic Elevator is located in Bhusawal, India. Their services include Branding and Social Media Marketing.
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Featured
What are Featured Providers?
$1,000+Undisclosed1,000 - 9,999Santa Monica, CAServices provided
See all 10 projectsBoldr. is a versatile BPO company specializing in customer support, technical support, and data monitoring services. Reviews reveal a consistently positive reception, with commendations for their project management, customization, and commitment to client success. Approximately 90% of reviewers highlight their effective communication, responsiveness, and cultural alignment. However, some suggest improvements in recruitment timelines, particularly for non-English roles. Overall, Boldr. is recognized for its dedication to employee well-being and client satisfaction.
$1,000+< $25 / hr50 - 249Sofia, BulgariaServices provided
See all 9 projectsMarKam Solutions is a versatile outsourcing provider specializing in technical support, sales, operations, and customer service. Across multiple reviews, clients commend their professional management, alignment with company values, and ability to meet budget constraints. With over 90% positive feedback, MarKam Solutions is praised for their adaptability, responsiveness, and the strategic impact on metrics such as customer satisfaction and sales growth.
$100,000+Undisclosed10,000+SingaporeServices provided
See all 12 projectsTDCX is a business process outsourcing company specializing in customer service, technical support, and risk assessment across diverse industries, primarily in the APAC region. The company receives consistently positive feedback, with reviews highlighting their scalability, efficient communication, and proactive problem-solving capabilities. Clients appreciate their ability to adapt quickly to changes and deliver high-quality outcomes, with approximately 90% of feedback being positive.
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$1,000+< $25 / hr2 - 9
Services provided
Rrons Analytics is a Digital Strategy company established in 2020. The team focuses on Digital Strategy and Pay Per Click and is headquartered in Pathri, India.
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$10,000+Undisclosed2 - 9Sahibzada Ajit Singh Nagar, India
Services provided
Branding firm DOLLAR DUCKS specializes in Branding and Search Engine Optimization. They were launched in 2020.
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Featured
What are Featured Providers?
$10,000+< $25 / hr250 - 999San Pablo City, PhilippinesServices provided
See all 46 projectsBig Outsource is a professional virtual assistance service provider specializing in administrative support, customer service, and content management tasks. Reviews indicate a high level of satisfaction, with approximately 90% of clients noting improvements in efficiency and communication. Clients appreciate their proactive project management and seamless integration into existing workflows, though some desire more proactive tool suggestions and flexible support hours.
UndisclosedUndisclosed250 - 999Torreón, MexicoServices provided
See all 22 projectsRemote Team Solutions specializes in staffing and recruitment, offering services like virtual assistance, customer care outsourcing, and recruitment support for various industries. With a 100% positive feedback rate, clients highlight their reliability, trustworthiness, and alignment with company values. Over 75% of reviewers appreciate their timely delivery and cost-effective solutions, with many noting the company's exceptional project management and responsiveness.
$5,000+Undisclosed10 - 49Services provided
See all 1 projectsCall Center Solutions Africa (CCSA) is a full-service outsourcing provider helping businesses launch, scale, and optimize omnichannel teams of expert-led contact center teams in Africa. We
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$5,000+$25 - $49 / hr2 - 9
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In Tel Aviv-Yafo, Israel and Geneva, Switzerland, Cherri System is an UX company. They provide UX/UI Design and CRM consulting and SI.
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UndisclosedUndisclosed2 - 9Coimbatore, India
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Located in Coimbatore, India, Talxwev – Website Development & Digital Agency is a social media marketing firm. The team specializes in Social Media Marketing and Search Engine Optimization.
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Undisclosed< $25 / hr2 - 9
Services provided
In Memphis, Tennessee, Ring And Rise is a Mobile & App Marketing company. Their services include Mobile & App Marketing and Search Engine Optimization.
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$1,000+$200 - $300 / hr2 - 9
Services provided
Harpley House is a Digital Strategy company. They are located in Seattle, Washington and have small team. They focus on Digital Strategy and Search Engine Optimization.
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UndisclosedUndisclosed2 - 9
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Amplify is a SEO agency. Their small team is located in San Francisco, California and offers Search Engine Optimization and Pay Per Click. The company was founded in 2023.
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$1,000+Undisclosed2 - 9Ahmedabad, India
Services provided
Branding agency Groie specializes in Branding and Search Engine Optimization. They are based in Ahmedabad, India.
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UndisclosedUndisclosed2 - 9
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INTERNATIONAL QUALITY ORGANIZATION LLC is a small CRM consulting and SI company. They specialize in CRM consulting and SI and Business Consulting and were established in 2025.
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$5,000+$50 - $99 / hr2 - 9
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360 Thrive is a Digital Strategy company established in 2023. The agency specializes in Digital Strategy and Social Media Marketing.
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UndisclosedUndisclosed2 - 9
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Established in 2023, LJK is a Digital Strategy company. The firm provides Digital Strategy and Business Consulting.
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$1,000+$100 - $149 / hr2 - 9
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Marketingchimp is a branding firm. They were established in 2019, and their services include Branding and Social Media Marketing.
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$1,000+$50 - $99 / hr2 - 9Mainz, Germany
Services provided
Syntech Style is a branding agency headquartered in Mainz, Germany. Their services include Branding and Search Engine Optimization.
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$1,000+$25 - $49 / hr2 - 9
Services provided
Launched in 2025, Tazriel LLC is a Digital Strategy company. The team provides Digital Strategy and IT staff augmentation.
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UndisclosedUndisclosed2 - 9Stratford-upon-Avon, England
Services provided
The Clinic Marketing Company is a Content Marketing company. Based in Stratford-upon-Avon, England, the agency was founded in 2009. Their services include Content Marketing and Web Design.
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Undisclosed$25 - $49 / hr2 - 9
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VICTORIACE CONSULTING is a branding firm established in 2022. The company offers Branding and Market Research.
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$1,000+$50 - $99 / hr2 - 9
Services provided
Floviance is a small Piscataway, New Jersey-based Business Consulting company. Their services include Business Consulting and Document Digitization & Management.
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$1,000+Undisclosed2 - 9
Services provided
Quantum Sales AI™ is an AI Agents company founded in 2023. The firm specializes in AI Agents and Sales Outsourcing.
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Undisclosed$50 - $99 / hr2 - 9
Services provided
DRVE is a social media marketing firm. They are based in Midlothian, Virginia and have small team. They provide Social Media Marketing and Marketing Strategy.
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Undisclosed< $25 / hr2 - 9
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Siftm Solutions is a Digital Strategy company. Established in 2024, the team provides Digital Strategy and Social Media Marketing.
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UndisclosedUndisclosed2 - 9Austin, TX
Services provided
Business Consulting company AUMed LLC was launched in 2025. Headquartered in Austin, Texas, the team provides Business Consulting and Back Office Outsourcing.
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Undisclosed$50 - $99 / hr2 - 9
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Business Consulting company Xunion was launched in 2025. Based in Dubai, United Arab Emirates, the team specializes in Business Consulting and Corporate Training & Coaching.
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$1,000+< $25 / hr2 - 9
Services provided
Social media marketing company Avymt is headquartered in Chikhali, India. They offer Social Media Marketing and Search Engine Optimization.
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Undisclosed$50 - $99 / hr2 - 9West Springfield, VA
Services provided
FSVP Associates is a Compliance Consulting company. Their small team of employees is headquartered in West Springfield, Virginia. Their team offers Compliance Consulting and Business Consulting.
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$1,000+$25 - $49 / hr2 - 9
Services provided
Launched in 2024, Captivit LLC is a small IT managed services company in Kissimmee, Florida. Their team focuses on IT managed services and Application Management & Support.
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$5,000+$150 - $199 / hr2 - 9
Services provided
MB Edge Consulting, a Business Consulting company, is in singapore, Singapore. Their services include Business Consulting and Staffing.
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$10,000+$50 - $99 / hr2 - 9
Services provided
Optinet solutions llc is a custom software development company launched in 2024. The team offers Custom Software Development and Web Development.
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$1,000+$100 - $149 / hr2 - 9Indore, India
Services provided
Inchtomilez Digital Marketing Agency & Advertising Agency is a branding agency. The small Indore, India-based team focuses on Branding and Content Marketing. The company was founded in 2021.
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$10,000+Undisclosed2 - 9Celina, TX
Services provided
In Celina, Texas, Unstoppable Revenue is a social media marketing firm. Their services include Social Media Marketing and Search Engine Optimization.
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$1,000+$25 - $49 / hr2 - 9Bhopal, India
Services provided
ADLYNC Media is a social media marketing agency founded in 2023. Their services include Social Media Marketing and Graphic Design.
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$5,000+$150 - $199 / hr2 - 9
Services provided
KretruTosh Consulting is an IT strategy consulting company. Their team is in Mumbai, India. The firm provides IT strategy consulting and CRM consulting and SI.
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$1,000+$25 - $49 / hr2 - 9
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Founded in 2025, Mariden Luxe Group LLC is a small Wilimington, Delaware-based Business Consulting company. Their team specializes in Business Consulting and Market Research.
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$1,000+$200 - $300 / hr2 - 9
Services provided
Wood Consulting Group is a Business Consulting company. Their small team is in Yarmouth, Maine and provides Business Consulting and Corporate Training & Coaching. The firm was founded in 2023.
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$1,000+$100 - $149 / hr2 - 9London, England
Services provided
NexGen Virtual Executive Assistance Ltd, a social media marketing company, was launched in 2025. The company offers Social Media Marketing and Back Office Outsourcing.
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$1,000+Undisclosed2 - 9Ridgefield, WA
Services provided
Headquartered in Ridgefield, Washington, Skyrunner Consulting is a social media marketing agency. Launched in 2024, the team provides Social Media Marketing and Search Engine Optimization.
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$5,000+$50 - $99 / hr2 - 9Torino, Italy
Services provided
Jidoka Studio is an IT strategy consulting company. They are based in Torino, Italy and Palermo, Italy. Their team offers IT strategy consulting and CRM consulting and SI.
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$5,000+Undisclosed2 - 9
Services provided
Ascendly is an Email Marketing company. Headquartered in London, England, the company focuses on Email Marketing and Other Digital Marketing.
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Undisclosed$25 - $49 / hr2 - 9
Services provided
Elite Business Pro is a branding agency. Established in 2024, their team provides Branding and Marketing Strategy.
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$1,000+$25 - $49 / hr2 - 9
Services provided
BizBrandCollective is a Digital Strategy company. They were established in 2025, and their services include Digital Strategy and Social Media Marketing.
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$5,000+Undisclosed2 - 9
Services provided
Founded in 2024, Tek-Klinik Solutions Limited is an IT strategy consulting company. The firm offers IT strategy consulting and cloud consulting & SI, and is small.
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UndisclosedUndisclosed2 - 9
Services provided
InsightRise is a Cybersecurity company. Founded in 2024, their team provides Cybersecurity and IT strategy consulting.
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$5,000+Undisclosed2 - 9Sheridan, WY
Services provided
Weyland Tech Partners is an IT strategy consulting company. They are based in Sheridan, Wyoming and have small team. They offer IT strategy consulting and Cybersecurity.
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Undisclosed$25 - $49 / hr2 - 9
Services provided
EVELYY LLC is a Houston, Texas-based social media marketing company. The team provides Social Media Marketing and Product Design.
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Compare Top 15 Business Processing Outsourcing (BPO) Companies & Services
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$1,000+< $25 / hr250 - 999Portland, OR
Ability to deliver
39.7/40.019.8/20 Reviews10/10 Clients & Experience9.9/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999Wilmington, DE
Ability to deliver
39.4/40.020/20 Reviews9.6/10 Clients & Experience9.8/10 Market PresenceService focus
95% Back Office Outsourcing5% Other -
$1,000+< $25 / hr1,000 - 9,999Gilbert, AZ
Ability to deliver
39.2/40.019.6/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
60% Back Office Outsourcing40% Other -
$1,000+< $25 / hr1,000 - 9,999Hollywood, FL
Ability to deliver
38.9/40.020/20 Reviews10/10 Clients & Experience8.9/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$10,000+< $25 / hr250 - 999San Pablo City, Philippines
Ability to deliver
38.7/40.020/20 Reviews10/10 Clients & Experience8.7/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+$25 - $49 / hr250 - 999Oakville, Canada
Ability to deliver
40/40.020/20 Reviews10/10 Clients & Experience10/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr250 - 999Kyiv, Ukraine
Ability to deliver
37.5/40.018.6/20 Reviews10/10 Clients & Experience8.9/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr1,000 - 9,999Chicago, IL
Ability to deliver
37.5/40.018.6/20 Reviews9.4/10 Clients & Experience9.5/10 Market PresenceService focus
70% Back Office Outsourcing30% Other -
$5,000+< $25 / hr1,000 - 9,999Lexington, KY
Ability to deliver
36.7/40.017/20 Reviews10/10 Clients & Experience9.7/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+Undisclosed1,000 - 9,999London, England
Ability to deliver
36.5/40.020/20 Reviews10/10 Clients & Experience6.5/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr250 - 999Warszawa, Poland
Ability to deliver
36.4/40.016.8/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
100% Back Office Outsourcing -
Undisclosed< $25 / hr1,000 - 9,999Boise, ID
Ability to deliver
36.3/40.016.8/20 Reviews10/10 Clients & Experience9.5/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$5,000+< $25 / hr50 - 249Cairo, Egypt
Ability to deliver
36.3/40.017.8/20 Reviews10/10 Clients & Experience8.5/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr50 - 249Berkeley, CA
Ability to deliver
36.2/40.018.2/20 Reviews9.2/10 Clients & Experience8.8/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr250 - 999Hatboro, PA
Ability to deliver
35.7/40.018/20 Reviews8.7/10 Clients & Experience9/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+Undisclosed1,000 - 9,999Santa Monica, CA
Ability to deliver
35.6/40.016/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+$25 - $49 / hr250 - 999Orlando, FL
Ability to deliver
35.5/40.016.4/20 Reviews10/10 Clients & Experience9.1/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr1,000 - 9,999Angeles, Philippines
Ability to deliver
35.4/40.017/20 Reviews10/10 Clients & Experience8.4/10 Market PresenceService focus
50% Back Office Outsourcing50% Other -
$1,000+< $25 / hr50 - 249Chicago, IL
Ability to deliver
35.4/40.016.6/20 Reviews9.5/10 Clients & Experience9.3/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr250 - 999Brandon, FL
Ability to deliver
34.9/40.017.2/20 Reviews7.9/10 Clients & Experience9.7/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
UndisclosedUndisclosed250 - 999Los Altos, CA
Ability to deliver
34.8/40.018.2/20 Reviews8.3/10 Clients & Experience8.2/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+Undisclosed250 - 999Brooklyn, NY
Ability to deliver
34.8/40.020/20 Reviews8.6/10 Clients & Experience6.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+$100 - $149 / hr250 - 999St. Louis, MO
Ability to deliver
39.5/40.019.8/20 Reviews10/10 Clients & Experience9.7/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$5,000+$25 - $49 / hr50 - 249Austin, TX
Ability to deliver
34.6/40.017.8/20 Reviews10/10 Clients & Experience6.8/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+< $25 / hr1,000 - 9,999Cebu City, Philippines
Ability to deliver
34.6/40.017.8/20 Reviews10/10 Clients & Experience6.8/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$5,000+$25 - $49 / hr250 - 999Home, KS
Ability to deliver
34.6/40.017.2/20 Reviews9.2/10 Clients & Experience8.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$10,000+< $25 / hr250 - 999Overland Park, KS
Ability to deliver
34.6/40.017.8/20 Reviews8.2/10 Clients & Experience8.6/10 Market PresenceService focus
65% Back Office Outsourcing35% Other -
UndisclosedUndisclosed1,000 - 9,999Los Angeles, CA
Ability to deliver
34.3/40.016.8/20 Reviews10/10 Clients & Experience7.5/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+$50 - $99 / hr250 - 999Denver, CO
Ability to deliver
34.3/40.017/20 Reviews9.8/10 Clients & Experience7.5/10 Market PresenceService focus
100% Back Office Outsourcing -
$10,000+< $25 / hr10,000+Canton, OH
Ability to deliver
34.2/40.014.6/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
100% Back Office Outsourcing
Latest BPO Articles
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Business Process Outsourcing Company FAQs
Looking for a BPO company but not sure where to start? Explore the top questions businesses are asking when looking for a BPO partner.
Clutch selects top-performing companies twice a year based on a proprietary methodology that evaluates industry expertise and the ability to deliver. The highest-rated BPO companies for Fall 2025 include:
A BPO company handles specific business processes such as customer support, payroll, data entry, or IT help desk on behalf of another organization. Acting as an extension of your team, the provider supplies trained staff, technology, and workflows to deliver those services at scale. This lets your in-house employees focus on core competencies while the BPO partner manages repeatable, back-office or customer-facing tasks with agreed-upon service-level agreements (SLAs).
BPO agencies typically cover three broad categories:
- Back-office support: data processing, accounting, HR administration, procurement
- Front-office support: call center operations, technical support, live chat, appointment setting
- Specialized or industry-specific processes: medical billing, legal transcription, mortgage processing
Many firms also bundle technology solutions such as CRM integrations, AI chatbots, and robotic process automation (RPA) to streamline workflows and improve accuracy.
Pricing varies by location, complexity, and volume. On Clutch, most projects start around $1,000 per month for simple data entry but can exceed $50,000 per month for multi-channel customer support. Hourly rates typically range from $8–$25 in offshore markets and $25–$60 in onshore markets. Always request a detailed cost breakdown (labor, technology, management fees) and clarify whether pricing is per FTE (full-time equivalent) or per transaction.
- Define goals: Identify the processes you want to outsource and the KPIs that matter (e.g., first-call resolution, turnaround time).
- Check domain expertise: Look for providers with proven results in your industry or process area.
- Review client feedback: Verified Clutch reviews reveal performance, communication style, and reliability.
- Evaluate scalability: Ensure the partner can add or reduce headcount quickly as demand changes.
- Assess security & compliance: Confirm certifications (ISO, SOC 2, HIPAA) and data-protection measures . Shortlist three vendors and run a pilot project or proof of concept before signing a long-term agreement.
- Opaque pricing or hidden fees
- Overpromising guaranteed results without data
- High employee turnover or insufficient training programs
- Poor communication or delayed responses during the sales process
- Lack of documented security protocols or compliance certifications
If any of these issues surface early, reconsider the partnership.
- How do you measure and report on performance metrics?
- What is your average agent tenure and training process?
- Which industries or processes make up most of your portfolio?
- Can you share recent case studies or client references?
- How do you handle data security, compliance, and disaster recovery?
- What is the escalation process for quality issues or SLA breaches?
Clear, detailed answers indicate a mature, reliable partner.
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Onshore: Provider operates in the same country as the client—higher rates but easier collaboration and shared regulations.
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Nearshore: Services are delivered from a neighboring or nearby time zone—balanced costs and cultural alignment.
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Offshore: Operations are located in distant regions with lower labor costs—great for 24/7 coverage but may require more coordination.
They track cost savings, process accuracy, turnaround times, and customer satisfaction scores (CSAT or NPS). By comparing pre- and post-outsourcing metrics, clients can quantify improvements and calculate payback periods.