Net return calculator
Advertised P2P rates are gross interest. This calculator subtracts losses, uninvested cash, fees and tax so you can see what is left.
Defaults you never get back. On large marketplaces this has run to several points a year.
The share sitting idle in your account, earning nothing.
Depends where you live. Germany: usually 26.375%. Ask a tax adviser.
What you keep
6,34 %
4,66 percentage points less than the advertised rate
On 10 000 €
634 €
per year, before you reinvest it
- Advertised rate11,00 %
- Uninvested cash−0,55 %
- Losses−2,00 %
- Fees0,00 %
- Tax−2,11 %
- You keep6,34 %
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 the advertised rate is not your return
Platforms quote the interest rate on performing loans. Four things take a slice before the money is yours: defaults that are never recovered, money sitting uninvested, platform fees, and tax in your country of residence.
For scale, Mintos publishes its own net returns: losses cost investors between 3.6 and 8.2 percentage points a year in 2020–2022, and its 2022 net return was −1.2%.
Use the result in the compound interest calculator for a realistic projection, and see our risk page for what drives the loss figure.