My Prosper Internal Rate of Return Update (End of Jun 07) = 5.75%

This is a RateLadder only IRR update. (An IRR lender “game” update is in the works.)

Here is my permanent tracking page: http://rateladder.com/my-prosper-irr/

My Prosper IRR is defined as:

Monthly cash flows with one extra month using the current account value minus any loans 1 month or more late.

Current Account Value (used as interest earned in the last month) = $7,692.72

Current One Month or More Late Loan Values (used as monies added in last month) = $333.01

I use ProProsper to Calculate Prosper IRR. Excell’s XIRR function is also an option.

Current IRR = 5.75%

Date	IRR	Description
1/31/07	12.21%	Tracking Update. XIRR Restart.
3/1/07	12.86%	Tracking Update.
4/1/07	3.33%	Tracking Update.
5/1/07	3.57%	Tracking Update.
6/1/07	(0.38%)	Tracking Update.
7/1/07	5.75%	Tracking Update.

Date	Cash Flow	Reason
7/7/06	($200.00)	Transfer To Prosper
9/19/06	($200.00)	Transfer To Prosper
10/10/06	($200.00)	Transfer To Prosper
10/12/06	($400.00)	Transfer To Prosper
10/13/06	($36.31)	Transfer To Prosper
10/17/06	($200.00)	Transfer To Prosper
10/23/06	($246.58)	Transfer To Prosper
10/30/06	($148.28)	Transfer To Prosper
11/6/06	($45.00)	Transfer To Prosper
11/7/06	($600.00)	Transfer To Prosper
11/8/06	($49.94)	Transfer To Prosper
11/17/06	($435.49)	Transfer To Prosper
11/30/06	($300.00)	Transfer To Prosper
12/27/06	($300.00)	Transfer To Prosper
1/25/07	($150.00)	Transfer To Prosper
2/1/07	($225.00)	Transfer To Prosper
2/21/07	($25.00)	Transfer To Prosper
2/23/07	($25.00)	Transfer To Prosper
3/22/07	($200.00)	Transfer To Prosper
3/27/07	($200.00)	Transfer To Prosper
3/27/07	($70.00)	Transfer To Prosper
3/29/07	($200.00)	Transfer To Prosper
4/5/2007	($111.09)	Transfer To Prosper
4/6/2007	($200.00)	Transfer To Prosper
4/11/2007	($200.00)	Transfer To Prosper
4/17/2007	($25.00)	Transfer To Prosper
4/18/2007	($75.00)	Transfer To Prosper
4/19/2007	($25.00)	Transfer To Prosper
4/20/2007	($25.00)	Transfer To Prosper
4/23/2007	($25.00)	Transfer To Prosper
4/24/2007	($25.00)	Transfer To Prosper
4/25/2007	($75.00)	Transfer To Prosper
4/26/2007	($25.00)	Transfer To Prosper
4/27/2007	($25.00)	Transfer To Prosper
5/2/2007	($25.00)	Transfer To Prosper
5/3/2007	($25.00)	Transfer To Prosper
5/4/2007	($75.00)	Transfer To Prosper
5/7/2007	($25.00)	Transfer To Prosper
5/8/2007	($25.00)	Transfer To Prosper
5/9/2007	($25.00)	Transfer To Prosper
5/10/2007	($25.00)	Transfer To Prosper
5/11/2007	($75.00)	Transfer To Prosper
5/18/2007	($75.00)	Transfer To Prosper
5/21/2007	($25.00)	Transfer To Prosper
5/22/2007	($500.00)	Transfer To Prosper
5/25/2007	($75.00)	Transfer To Prosper
6/1/2007	($25.00)	Transfer To Prosper
6/6/2007	($25.00)	Transfer To Prosper
6/12/2007	($50.00)	Transfer To Prosper
6/13/2007	($25.00)	Transfer To Prosper
6/14/2007	($25.00)	Transfer To Prosper
6/15/2007	($25.00)	Transfer To Prosper
6/18/2007	($25.00)	Transfer To Prosper
6/19/2007	($25.00)	Transfer To Prosper
6/20/2007	($25.00)	Transfer To Prosper
6/21/2007	($25.00)	Transfer To Prosper
6/22/2007	($25.00)	Transfer To Prosper
6/25/2007	($25.00)	Transfer To Prosper
6/26/2007	($25.00)	Transfer To Prosper
6/27/2007	($25.00)	Transfer To Prosper
6/28/2007	($25.00)	Transfer To Prosper
6/29/2007	($25.00)	Transfer To Prosper
6/30/2007	($500.00)	Transfer To Prosper
7/1/07	$7,692.72	Current Account Value
7/1/07	($333.01)	1 Month or More Late