If all of your cash flows are in a contiguous range ordered in time
left-to-right top-to-bottom, as in your example, perhaps you could do
something like:

=xirr(A2:C3, A1:D1)

The dates could also be in a rectangular range as long as their order
corresponds to the cash flows left-to-right top-to-bottom.

PS:  I wonder if you truly need, or even want, XIRR instead of IRR.  Do
you want all the years' cash flows to be considered equally spaced
(which IRR assumes), or do you truly want to differentitate between
365-day and 366-day years (which XIRR will do)?

I'm not sure exactly what you mean, but XIRR requires that the dates be in a
contiguous range; and that the values be in a contiguous range.  (The values
don't need to be next to the dates, however).

It is also a requirement that there be one date for each value (and one value
for each date).

So you need to set up an area on your worksheet where you have a layout that
meets those requirements.

Alternatively, you could NAME the non-contiguous range of dates; and the range
of values, and use this VBA user defined function supplied by Harlan Grove:

==========================================
Option Explicit

Function myxirr( _
 v As Variant, _
 d As Variant, _
 Optional g As Double = 0 _
) As Variant
'-------------------------------------------------------
'this udf requires an explicit reference to APTVBAEN.XLA
'if v and/or d represent non-contiguous ranges, they should be NAME'd
'-------------------------------------------------------
   Dim vv As Variant, dd As Variant, X As Variant, i As Long

   If TypeOf v Is Range Then
       ReDim vv(1 To v.Cells.Count)
       i = 0
       For Each X In v
           i = i + 1
           vv(i) = X.Value
       Next X
   Else
       vv = v
   End If

   If TypeOf d Is Range Then
       ReDim dd(1 To d.Cells.Count)
       i = 0
       For Each X In d
           i = i + 1
           dd(i) = X.Value
       Next X
   Else
       dd = d
   End If

   myxirr = IIf(g <> 0, xirr(vv, dd, g), xirr(vv, dd))
End Function
=========================================
--ron