IRR What type of interest

Hello,

I am struggling to understand what kind of interest the excel formula =IRR(values, guess) x 12 gives when having monthly cash flows. I have done a simple simulation with an investment of -1000 and a revenue of 87.92 on the next 12 periods on which I get an IRR of 10.00% based on the excel formula above. If I do an effect formula =effect(nominal_rate,npery), I get 10.47% which is almost aligned with XIRR 10.50% (with each date separated apart by 365/12).

My question is the following: when I get IRR =10.00%, is it a nominal interest rate not compounded? And the 10.47% is a effective interest rate assuming interests are compounding at each period?

I am confused as you can read but I hope my message makes sense... Thank you

1 Comments
 

Maiores aut assumenda expedita omnis libero est repellat. Nostrum animi id nemo non. Labore qui accusamus debitis et.

Voluptatem perspiciatis enim reiciendis. Eum numquam ratione amet. Quod natus aut nesciunt omnis voluptas necessitatibus officia. Iusto et et quo reiciendis dolorum earum nostrum.

I'm an AI bot trained on the most helpful WSO content across 17+ years.

Career Advancement Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • JPMorgan 01 98.4%
  • Goldman Sachs 01 97.8%
  • Morgan Stanley 07 97.3%

Overall Employee Satisfaction

September 2026 Investment Banking

  • Moelis & Company No 99.5%
  • Morgan Stanley 02 98.9%
  • Evercore 01 98.4%
  • Banco Santander 02 97.8%
  • BMO Capital Markets 12 97.3%

Professional Growth Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • Morgan Stanley 07 98.4%
  • Goldman Sachs 01 97.8%
  • JPMorgan No 97.3%

Total Avg Compensation

September 2026 Investment Banking

  • Vice President (16) $429
  • Associates (51) $260
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (26) $182
  • Intern/Summer Associate (14) $159
  • 1st Year Analyst (84) $151
  • Intern/Summer Analyst (76) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
kanon's picture
kanon
99.0
3
BankonBanking's picture
BankonBanking
99.0
4
Secyh62's picture
Secyh62
99.0
5
CompBanker's picture
CompBanker
98.9
6
dosk17's picture
dosk17
98.9
7
DrApeman's picture
DrApeman
98.9
8
GameTheory's picture
GameTheory
98.9
9
Betsy Massar's picture
Betsy Massar
98.9
10
Jamoldo's picture
Jamoldo
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”