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Internal Rate of Return
(This will figure your rate of return on uneven cash flows)

You loan a friend $10,000 and the payback schedule is set-up on annual payments for 5 years.  The first payment is $2,000, second payment is $3,000, third payment is $4,000, fourth payment is $2,000, and the last payment is $1,000?   Question:  What is your rate of return on this loan?  Answer:  6.97%

HP-10B

1    Sets period per year
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6.97

HP-12C

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6.97

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