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Default IRR: is there a quickest way?

Hi all!

If i have a series of payment that occur regularly in time (let's say
at the end of the year) but not in the amount, is there a way to
calculate IRR without writing down the entire plan?
I mean, a formula where i can say "this is the first amount for X
periods; this is the second amount for Y periods" and so on. In this
way, instead of writing a row/column for each period, we could have a
row/column for each series. This could be the case of mortgage payment
plan, with rate adjustable every year.
thanks in advance
l

 
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