I need to be able to calculate a rate of return on deposits/withdrawals at
uneven intervals, and keep running into a problem with XIRR when first
deposit is small. Simplified example:
-$100 1Mar98
-$1000 1Apr98
-$500 20Dec99
-$500 03Mar04
(+$X) 01Dec05 (Final Withdrawal)

If final withdrawal (X) is larger than $1,901.00, then XIRR works well. If,
however, final withdrawal is $1,900.01 or less, XIRR returns 0.000% for any
value of X. (Formula =XIRR (A1:A5,B1:B5). If, however, first deposit is
$1,000 and second deposit is $100, it shows a return all the way down to the
value of x=100.01 (-60.7889%), then returns 0.000 if x=or<$100.00 .

Is there another formula for this or a workaround I'm missing? I have some
complex data to calculate and need to ensure that output is reliable. Data
often starts with small first deposits.