Diversification calculator
Enter what you hold on each platform to see your largest exposure, what one platform failure would cost and how well your money is really spread.
Total invested
10.000 €
About 1000 loans · one default costs 0,10% of the portfolio
If Mintos failed
3500 €
you would lose about 3500 € — 35,0% of your portfolio
Effectively spread across
2,6 platforms
Counts platforms by weight: two equal platforms = 2.0; one dominant platform ≈ 1.
Weighted safety score
7,3 / 10
Only platforms from our table are counted.
Weighted advertised return
10,2 %
Only platforms from our table are counted.
- Mintos50,0 %
- EstateGuru30,0 %
- Lande20,0 %
These calculators are illustrations, not forecasts or investment advice. P2P loans can lose money, returns are not guaranteed, and these investments are not bank deposits.
Why concentration is the risk that hurts
Most P2P losses are not gradual. They arrive when one lending company or one platform stops paying, and what you lose depends on how much of your money was sitting there.
The "effectively spread across" figure counts platforms by weight, not by name: €9,000 on one platform and €500 on two others is barely more than one platform. The weighted safety score uses our methodology and the platform comparison.