P2P return calculator
Platform calculators show gross compound interest and stop there. This one is honest about what erodes the headline number: defaults, idle cash and tax, across three scenarios, next to a stock ETF and a guaranteed bank deposit.
What could your money actually earn?
Most platform calculators show gross compound interest and stop there. This one also subtracts what the ads leave out: defaults and idle cash, under three scenarios.
How it plays out over time
Where the advertised number goes
Against the alternatives
Assumptions & method
Scenarios. Optimistic: the advertised rate minus 0.5 pp of idle-cash drag. Base: minus 2.5 pp for borrower defaults, recovery haircuts and idle cash, in line with long-run investor-reported results on established platforms. Pessimistic: minus 6 pp, elevated defaults and slow recoveries, platform still solvent.
Comparisons. Broad stock ETF: 7% nominal average annual return (long-run global equity average; actual years vary wildly, including deep drawdowns). Bank deposit: 2.5% nominal, state-guaranteed up to 100,000 EUR. Both assume reinvestment.
Withdraw monthly pays out net interest each month and keeps the principal invested, so there is no compounding; the line shows principal plus cumulative income received.
Illustration only, not investment advice. Figures are estimates, not promises.
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