{"id":"irr","checkedOn":"2026-10-12","paths":["/calculators/savings-irr/","/zh-hant/calculators/savings-irr/","/zh-hans/calculators/savings-irr/"],"execution":"browser-only; no calculation endpoint; no input values in analytics","notice":"Illustration only, not advice.","role":"Unlicensed referrer; general information and introductions only","assumptions":"One currency, annual periods: each premium is paid at the start of its year; terminal value is received at the end of the final year. Include zero-premium years. No intermediate withdrawals, tax, fees, FX or inflation. Missing values are not zero. Non-guaranteed amounts may not be paid.","inputSchema":{"type":"object","additionalProperties":false,"required":["premiums","guaranteed","nonGuaranteed"],"properties":{"premiums":{"type":"string","description":"Premiums by year (comma-separated; include zero years)"},"guaranteed":{"type":"string","description":"Guaranteed surrender value"},"nonGuaranteed":{"type":"string","description":"Non-guaranteed surrender value"}}},"inputEncoding":"Comma-separated annual amounts in list fields; other numeric fields are decimal strings, as in the HTML form","exampleInput":{"premiums":"10000, 10000, 0, 0, 0","guaranteed":"21000","nonGuaranteed":"5000"},"output":{"type":"array","items":"Annual IRR percent or null when no paid premiums; order: 0%, 50%, 100% non-guaranteed","zeroTerminal":"-100% when a positive premium was paid"},"exampleOutput":[1.089795000101157,3.645036374428967,5.9936566975685945],"sources":[]}