Tool
P2P Lending Returns Calculator
Advertised rates rarely equal realised returns once defaults are factored in. Adjust the inputs below to model optimistic, base-case and conservative outcomes, and compare them to a diversified ETF or a savings account.
Optimistic
$0
Base case
$0
Conservative
$0
vs. Diversified ETF (7%)
$0
vs. Savings account (2.8%)
$0
How the Scenarios Are Built
Rather than assume the advertised return is what you will actually earn, we deduct a default-rate drag from the stated rate:
- Optimistic: stated rate minus 0.6-0.8 percentage points.
- Base case: stated rate minus 2.2-2.5 percentage points (our default assumption).
- Conservative: stated rate minus 5.5-6.0 percentage points.
This is a modelling exercise, not a prediction. Actual returns depend on the specific platform and loans you select. See our full ranking before choosing where to allocate.
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Disclaimer. This calculator is for illustration only and is not a forecast or financial advice. Actual returns can be lower than the conservative scenario shown, including total loss of capital.