My Prosper Internal Rate of Return Update (End of September 07) = 0.61%

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

I was given a last second reprieve from a negative IRR this month by a collection payment!!!  A post is coming about this.

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) = $8,738.69

Current One Month or More Late Loan Values (used as monies added in last month) = $691.29

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

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.
8/1/07 0.57% Tracking Update.
9/1/07 2.75% Tracking Update.
10/1/07 0.61% 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
7/2/2007 ($25.00) Transfer To Prosper
7/2/2007 ($175.00) Transfer To Prosper
7/3/2007 ($25.00) Transfer To Prosper
7/4/2007 ($25.00) Transfer To Prosper
7/5/2007 ($25.00) Transfer To Prosper
7/6/2007 ($25.00) Transfer To Prosper
7/9/2007 ($25.00) Transfer To Prosper
9/12/2007 ($500.00) Transfer To Prosper
10/1/07 $8,738.69 Current Account Value
10/1/07 ($691.29) 1 Month or More Late
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