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Does Simplifi include manually entered investment cash flow transactions in IRR calculations?

juddmd31

Simplifi IRR for my connected American Century TWCGX account from 2026-09-05 to 2026-10-04 is 5.22%. I manually entered a missing -$320 cash flow on 2026-10-01 because the aggregator omitted it. My Excel XIRR is -1.20% when that cash flow is included, but 5.22% when it is removed, exactly matching Simplifi. This suggests Simplifi is not including manually entered investment cash flows in IRR calculations.

My question - Is this normal behavior? I have only started using Simplifi for 1 month. Will the inconsistent capture of transactions at brokerages continue, or will they work themselves out over time?

Thanks.

[edited title for clarity & post for readability]

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Coach Natalie

@juddmd31, thanks for reaching out to the community with your inquiry!

When you say you entered a manual cash flow, I assume you mean an Investment Transaction. According to our help article here, Investment Transactions don't impact the Balance Over Time feature or the Performance Over Time feature: https://support.simplifi.quicken.com/en/articles/6540220-managing-investment-transactions#h_c7e964d37e

Although not for Performance specifically, we do have this Idea post requesting that Investment Transactions interact with the other investing features that you can vote for and follow for updates:

https://community.simplifimoney.com/discussion/8830/allow-investment-transactions-to-impact-manual-investment-account-balances-portfolio-value-edited

For more details on how Idea posts work here in the community, please see our FAQ:

https://community.simplifimoney.com/discussion/998/creating-and-voting-for-ideas-in-the-community

Let us know if this information is helpful!

juddmd31

It seems that SImplifi is not capturing positive or negative cash flows. In my example, I had a cash flow of -$320 on 10/1/2026 for my TWCGX fund that Simplifi missed. When I entered it manually to correct the error, the IRR doesn't seem to latch onto that. When I do a double check with Excel, the XIRR matches Simplifi's IRR exactly when I remove that cash flow on 10/1. This suggests that Simplifi doesn't take that into account, giving me the wrong IRR. I also notice that TWR is not capturing days when there is a cash flow, it is simply calculating an ROI between beginning and ending balances, which is a different animal than a TWR.

Coach Natalie

@juddmd31, thanks for the reply!

Again, I assume you're referring to Investment Transactions — is that correct? If so, as mentioned in my last comment, our help article states that Investment Transactions don't impact the Performance feature.

I shared an Idea post above — were you able to go vote for that? You can also create a separate Idea post asking that Investment Transactions impact Performance specifically, so other users can vote for it and our product team can review it. The FAQ I shared in my last comment contains the steps to do so.

I hope this helps to clarify!

juddmd31

Yes. They were investment transactions. Before I post an idea for a vote, could you give me the formula that Simplifi uses for its TWR and IRR calculations?

Thanks,

Mike

Coach Natalie

@juddmd31, thank you for confirming!

I'm not seeing anything in our help center that describes the exact formula used for IRR and TWR. Here is the tooltip from within Quicken Simplifi:

It's unclear what "cash" means here; I'm not sure whether it refers only to cash holdings or also to cash flow Investment Transactions, since the Investment Transactions help article states that they don't impact Performance.

Here is our article on using the Performance feature, which also states the same thing and does not provide any further clarity: https://support.simplifi.quicken.com/en/articles/6542812-investing-performance-over-time

With that, I submitted a request to have this information reviewed in our help center, so it is consistent and provides more detail. If you believe IRR should include your cash flow transactions, or if it used to and suddenly no longer does, I recommend reaching out to our Support team directly, as they have the tools to provide the best path forward and the latest information. https://support.simplifi.quicken.com/en/articles/5077917-how-to-contact-support

Support may be the best route right now because of the conflicting information, but feel free to create an Idea post as well! Idea posts get updated when new information becomes available.

Sorry I don't have more info, but I hope this helps!

juddmd31

Natalie,

I figured it out. I needed to link the $320 payment from my checking account to the $320 purchase in American Century. When I did that both the TWR and the IRR matched up beautifully! I think Simplifi needs that link in order to "see" the cash flow.

Coach Natalie

@juddmd31, oh wow, I have never heard of needing to do that! I'm glad you got things worked out!