I have a spreadsheet with my investment accounts, showing for each month the deposit or withdrawals that happened that month and the end-of-month balance.

I want to use the IRR function to calculate my rate of return. I can give it the column of deposits and withdrawals, and it'll calculate the return assuming a zero balance at the end. For example this:

```
Deposit 100
Withdraw 10
```

Will show a -90% rate of return. However, if I still have $95 in the account, the real rate of return is +5%.

My table looks something like this:

```
Deposits Balance
100 100
-10 95
0 103
0 98
100 215
```

I can add a column to the right that is "Rate of Return", with a formula of `"=IRR($A$2:A3)"`

However, again, this gives me inaccurate data because the IRR function assumes that the final balance is zero and only accepts a single range. Is there a way to do something like this:

```
=IRR(ConcatenateRange($A$2:A3, B3))
```

... so that it sees a final 'withdrawal' equal to my current balance?