Tim Rottmann's P2P Portfolio

Cash Drag

Average uninvested capital percentage. Lower percentages (green) indicate better capital efficiency.

Platform	All Time	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Bondora Go & Grow	0.00%	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	-0.00%	0.00%	0.00%
Debitum	0.86%	0.70%	0.41%	28.84%
Esketit	2.72%	0.52%	1.20%	2.89%	6.24%
Estateguru	3.76%	2.54%	3.79%	4.75%	2.08%	1.31%	1.47%	2.27%	10.79%
Lande	7.59%	3.68%	4.68%	4.69%	21.79%
LenderMarket	0.42%	1.33%	0.74%	0.32%	0.70%	0.24%	0.01%	0.43%
Mintos	0.59%	0.17%	0.12%	0.08%	0.59%	0.07%	1.16%	0.86%	1.13%	0.59%	0.55%	1.28%
Monefit	0.00%	0.00%	0.00%	0.00%
Nectaro	0.72%	0.52%	0.76%
Peerberry	2.24%	2.34%	1.35%	2.55%	5.75%	0.13%	1.71%	0.09%
Triple Dragon Funding	0.00%	0.00%
Twino	0.56%	0.02%	0.17%	1.18%	0.47%	0.84%	0.58%	0.05%	0.60%
Ventus Energy	0.68%	0.17%	0.78%
Viainvest	1.76%	3.47%	0.12%	1.44%	7.28%
Total	1.08%	0.68%	0.56%	1.06%	2.09%	0.25%	0.98%	0.79%	2.86%	0.59%	0.55%	1.28%

XIRR

Top value includes bonuses, bottom value excludes bonuses. Green = above 10%, red = below 5%.

Platform	All Time	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Bondora Go & Grow	6.47% 6.47%	6.11% 6.11%	6.20% 6.20%	6.73% 6.73%	6.76% 6.76%	6.55% 6.55%	6.76% 6.76%	6.77% 6.77%	6.75% 6.75%
Debitum	14.12% 13.07%	11.28% 10.41%	14.11% 13.58%	55.03% 13.42%
Esketit	10.42% 9.87%	12.77% 12.77%	10.64% 10.63%	10.43% 10.43%	9.97% 7.93%
Estateguru	7.13% 7.07%	0.06% 0.06%	-2.78% -2.81%	6.83% 6.81%	7.56% 7.56%	5.97% 5.97%	9.92% 9.92%	14.32% 14.32%	3.72% 3.37%
Lande	8.97% 8.45%	9.01% 9.01%	9.82% 9.82%	9.43% 9.34%	6.46% 3.90%
LenderMarket	18.15% 17.31%	17.10% 17.10%	16.69% 16.59%	26.49% 24.40%	15.40% 15.40%	16.81% 16.60%	15.15% 13.42%	14.80% 11.69%
Mintos	9.75% 9.71%	-100.00% -100.00%	4.71% 4.71%	10.64% 10.64%	5.37% 5.37%	5.04% 5.04%	12.82% 12.82%	12.64% 12.57%	11.13% 10.91%	11.25% 11.25%	11.82% 11.82%	9.42% 9.42%
Monefit	6.08% 5.86%	5.10% 5.10%	6.49% 6.49%	4.76% 3.20%
Nectaro	12.98% 12.32%	7.99% 7.99%	14.20% 13.39%
Peerberry	8.45% 8.45%	8.12% 8.12%	9.67% 9.67%	12.48% 12.48%	8.10% 8.10%	6.18% 6.18%	11.28% 11.28%	9.84% 9.84%
Triple Dragon Funding	91.22% 14.39%	91.22% 14.39%
Twino	9.86% 9.86%	19.45% 19.45%	12.03% 12.03%	12.31% 12.31%	10.62% 10.62%	8.96% 8.96%	9.01% 9.01%	8.56% 8.56%	8.08% 8.08%
Ventus Energy	32.09% 20.81%	20.28% 20.28%	35.53% 21.08%
Viainvest	12.01% 11.98%	11.60% 11.60%	11.39% 11.39%	13.27% 13.20%	10.24% 10.24%
Total	11.63% 11.25%	9.76% 9.38%	11.39% 10.34%	16.71% 15.88%	10.22% 10.10%	9.55% 9.48%	12.41% 12.03%	11.83% 11.60%	9.39% 9.20%	11.25% 11.25%	11.82% 11.82%	9.42% 9.42%

Average Balance

Average daily account balance per platform. Sum of daily balances divided by the number of days in the period.

Platform	All Time	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Bondora Go & Grow	€21,740.39	€91,612.61	€69,237.67	€19,442.15	€326.53	€663.21	€16,493.85	€21,627.22	€15,769.73
Debitum	€22,235.40	€35,013.27	€21,731.03	€6,054.45
Esketit	€22,059.34	€19,813.24	€20,864.21	€19,573.19	€31,091.09
Estateguru	€13,953.25	€6,852.54	€7,501.11	€17,008.58	€22,805.67	€17,149.10	€12,435.98	€11,197.68	€10,153.34
Lande	€9,952.33	€9,174.82	€9,375.10	€10,545.72	€10,128.41
LenderMarket	€91,019.83	€54,238.71	€64,777.36	€126,928.98	€125,920.79	€108,395.37	€55,968.14	€29,762.64
Mintos	€72,735.13	€64,589.71	€59,249.99	€61,228.59	€87,830.72	€104,300.69	€122,907.68	€117,089.69	€62,827.67	€29,519.67	€24,327.58	€10,202.39
Monefit	€18,229.43	€24,462.09	€21,141.84	€9,193.85
Nectaro	€10,334.13	€10,595.24	€10,274.79
Peerberry	€32,858.64	€4,879.39	€5,992.59	€21,436.77	€53,476.74	€63,152.01	€27,832.72	€10,073.48
Triple Dragon Funding	€5,169.09	€5,169.09
Twino	€12,580.99	€10,101.21	€11,589.89	€15,093.03	€14,482.92	€13,230.52	€12,163.23	€11,178.01	€10,350.12
Ventus Energy	€50,452.09	€69,044.57	€46,925.94
Viainvest	€25,541.60	€37,025.28	€27,725.75	€24,395.56	€18,836.69
Total	€206,971.00	€439,762.93	€353,348.56	€319,717.69	€328,637.26	€306,890.90	€247,801.59	€174,189.91	€96,386.11	€29,519.67	€24,327.58	€10,202.39

Income Projection

Expected earnings based on all-time XIRR (excluding bonus) and current balances

Platform	Current Balance	XIRR	Monthly Projection	Annual Projection
Bondora Go & Grow	€96,927.91	6.47%	€508.01	€6,275.01
Ventus Energy	€68,930.54	20.81%	€1,094.45	€14,343.27
Mintos	€64,589.71	9.71%	€500.90	€6,273.97
LenderMarket	€50,699.61	17.31%	€679.20	€8,778.62
Debitum	€36,252.22	13.07%	€373.09	€4,739.38
Viainvest	€35,344.50	11.98%	€334.75	€4,232.97
Monefit	€24,532.28	5.86%	€116.77	€1,438.57
Esketit	€19,457.81	9.87%	€153.24	€1,920.61
Nectaro	€10,615.04	12.32%	€103.28	€1,307.93
Twino	€10,163.48	9.86%	€79.96	€1,002.10
Lande	€9,222.09	8.45%	€62.58	€779.67
Estateguru	€6,852.94	7.07%	€39.14	€484.77
Triple Dragon Funding	€5,190.00	14.39%	€58.49	€747.03
Peerberry	€4,232.15	8.45%	€28.72	€357.75
Total	€443,010.28	11.25%	€4,132.59	€52,681.66

Income

Breakdown of interest, bonuses, taxes, and fees by platform

Platform		Total	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
LenderMarket	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€82,939.65 €3,445.28 -€0.00 -€0.00 €86,384.93 -€0.00 €86,384.93	€986.82 €0.00 -€0.00 -€0.00 €986.82 -€0.00 €986.82	€9,903.49 €58.31 -€0.00 -€0.00 €9,961.80 -€0.00 €9,961.80	€29,389.79 €2,033.65 -€0.00 -€0.00 €31,423.44 -€0.00 €31,423.44	€17,719.09 €0.00 -€0.00 -€0.00 €17,719.09 -€0.00 €17,719.09	€16,733.22 €200.00 -€0.00 -€0.00 €16,933.22 -€0.00 €16,933.22	€6,995.42 €853.32 -€0.00 -€0.00 €7,848.74 -€0.00 €7,848.74	€1,211.82 €300.00 -€0.00 -€0.00 €1,511.82 -€0.00 €1,511.82	-	-	-	-
Mintos	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€60,538.54 €184.62 -€93.29 -€505.52 €60,124.35 -€446.54 €59,677.81	€2.84 €0.00 -€9.64 -€0.00 -€6.80 -€0.14 -€6.94	€3,279.22 €0.00 -€49.65 -€505.52 €2,724.05 -€124.20 €2,599.85	€6,337.77 €0.00 -€0.00 -€0.00 €6,337.77 -€102.66 €6,235.11	€4,615.64 €0.00 -€34.00 -€0.00 €4,581.64 -€138.84 €4,442.81	€5,106.63 €0.00 -€0.00 -€0.00 €5,106.62 -€80.70 €5,025.93	€14,738.42 €0.00 -€0.00 -€0.00 €14,738.42 -€0.00 €14,738.42	€13,931.53 €60.76 -€0.00 -€0.00 €13,992.29 -€0.00 €13,992.29	€6,473.84 €123.86 -€0.00 -€0.00 €6,597.70 -€0.00 €6,597.70	€3,131.14 €0.00 -€0.00 -€0.00 €3,131.14 -€0.00 €3,131.14	€2,708.57 €0.00 -€0.00 -€0.00 €2,708.57 -€0.00 €2,708.57	€212.94 €0.00 -€0.00 -€0.00 €212.94 -€0.00 €212.94
Peerberry	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€14,243.50 €0.00 -€0.00 -€0.00 €14,243.50 -€0.00 €14,243.50	€36.67 €0.00 -€0.00 -€0.00 €36.67 -€0.00 €36.67	€550.95 €0.00 -€0.00 -€0.00 €550.95 -€0.00 €550.95	€2,567.94 €0.00 -€0.00 -€0.00 €2,567.94 -€0.00 €2,567.94	€4,165.39 €0.00 -€0.00 -€0.00 €4,165.39 -€0.00 €4,165.39	€3,771.23 €0.00 -€0.00 -€0.00 €3,771.23 -€0.00 €3,771.23	€2,953.95 €0.00 -€0.00 -€0.00 €2,953.95 -€0.00 €2,953.95	€197.37 €0.00 -€0.00 -€0.00 €197.37 -€0.00 €197.37	-	-	-	-
Ventus Energy	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€7,181.84 €3,164.26 -€0.00 -€0.00 €10,346.10 -€0.00 €10,346.10	€1,501.72 €0.00 -€0.00 -€0.00 €1,501.72 -€0.00 €1,501.72	€5,680.12 €3,164.26 -€0.00 -€0.00 €8,844.38 -€0.00 €8,844.38	-	-	-	-	-	-	-	-	-
Bondora Go & Grow	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€9,509.96 €0.00 -€5.00 -€0.00 €9,504.96 -€0.00 €9,504.96	€609.42 €0.00 -€0.00 -€0.00 €609.42 -€0.00 €609.42	€4,154.28 €0.00 -€1.00 -€0.00 €4,153.28 -€0.00 €4,153.28	€1,259.18 €0.00 -€0.00 -€0.00 €1,259.18 -€0.00 €1,259.18	€21.07 €0.00 -€0.00 -€0.00 €21.07 -€0.00 €21.07	€44.08 €0.00 -€2.00 -€0.00 €42.08 -€0.00 €42.08	€1,080.70 €0.00 -€2.00 -€0.00 €1,078.70 -€0.00 €1,078.70	€1,416.42 €0.00 -€0.00 -€0.00 €1,416.42 -€0.00 €1,416.42	€924.81 €0.00 -€0.00 -€0.00 €924.81 -€0.00 €924.81	-	-	-
Twino	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€8,518.58 €0.00 -€0.00 -€0.00 €8,518.58 -€220.92 €8,297.66	€166.91 €0.00 -€0.00 -€0.00 €166.91 -€8.48 €158.43	€1,312.59 €0.00 -€0.00 -€0.00 €1,312.59 -€63.60 €1,249.00	€1,756.27 €0.00 -€0.00 -€0.00 €1,756.27 -€80.23 €1,676.04	€1,459.98 €0.00 -€0.00 -€0.00 €1,459.98 -€50.49 €1,409.50	€1,133.05 €0.00 -€0.00 -€0.00 €1,133.05 -€18.13 €1,114.92	€1,045.88 €0.00 -€0.00 -€0.00 €1,045.88 -€0.00 €1,045.88	€918.24 €0.00 -€0.00 -€0.00 €918.24 -€0.00 €918.24	€725.67 €0.00 -€0.00 -€0.00 €725.67 -€0.00 €725.67	-	-	-
Viainvest	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€6,974.97 €15.00 -€0.00 -€0.00 €6,989.97 -€353.23 €6,636.74	€389.84 €0.00 -€0.00 -€0.00 €389.84 -€19.75 €370.09	€2,974.31 €0.00 -€0.00 -€0.00 €2,974.31 -€148.83 €2,825.48	€3,022.47 €15.00 -€0.00 -€0.00 €3,037.47 -€152.50 €2,884.97	€588.35 €0.00 -€0.00 -€0.00 €588.35 -€32.15 €556.20	-	-	-	-	-	-	-
Estateguru	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€6,821.26 €38.22 -€29.73 -€240.66 €6,589.09 -€0.00 €6,589.09	€0.42 €0.00 -€0.03 -€0.00 €0.39 -€0.00 €0.39	€38.71 €1.77 -€7.95 -€240.66 -€208.13 -€0.00 -€208.13	€1,149.53 €3.17 -€21.75 -€0.00 €1,130.95 -€0.00 €1,130.95	€1,658.99 €0.00 -€0.00 -€0.00 €1,658.99 -€0.00 €1,658.99	€986.25 €0.00 -€0.00 -€0.00 €986.25 -€0.00 €986.25	€1,171.73 €0.00 -€0.00 -€0.00 €1,171.73 -€0.00 €1,171.73	€1,484.33 €0.00 -€0.00 -€0.00 €1,484.33 -€0.00 €1,484.33	€331.30 €33.28 -€0.00 -€0.00 €364.58 -€0.00 €364.58	-	-	-
Esketit	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€5,295.11 €253.66 -€0.00 -€0.00 €5,548.77 -€0.00 €5,548.77	€228.45 €0.00 -€0.00 -€0.00 €228.45 -€0.00 €228.45	€2,100.35 €3.66 -€0.00 -€0.00 €2,104.01 -€0.00 €2,104.01	€1,943.99 €0.00 -€0.00 -€0.00 €1,943.99 -€0.00 €1,943.99	€1,022.32 €250.00 -€0.00 -€0.00 €1,272.32 -€0.00 €1,272.32	-	-	-	-	-	-	-
Debitum	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€3,193.25 €230.99 -€0.00 -€0.00 €3,424.24 -€172.02 €3,252.22	€380.51 €30.00 -€0.00 -€0.00 €410.51 -€21.13 €389.38	€2,772.28 €100.99 -€0.00 -€0.00 €2,873.26 -€143.87 €2,729.39	€40.47 €100.00 -€0.00 -€0.00 €140.47 -€7.02 €133.44	-	-	-	-	-	-	-	-
Lande	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€2,075.74 €111.50 -€0.00 -€0.00 €2,187.24 -€0.00 €2,187.24	€91.12 €0.00 -€0.00 -€0.00 €91.12 -€0.00 €91.12	€874.29 €0.00 -€0.00 -€0.00 €874.29 -€0.00 €874.29	€948.57 €9.00 -€0.00 -€0.00 €957.57 -€0.00 €957.57	€161.76 €102.50 -€0.00 -€0.00 €264.26 -€0.00 €264.26	-	-	-	-	-	-	-
Monefit	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€1,582.31 €54.98 -€0.00 -€0.00 €1,637.28 -€0.00 €1,637.28	€143.45 €0.00 -€0.00 -€0.00 €143.45 -€0.00 €143.45	€1,323.11 €0.00 -€0.00 -€0.00 €1,323.11 -€0.00 €1,323.11	€115.75 €54.98 -€0.00 -€0.00 €170.72 -€0.00 €170.72	-	-	-	-	-	-	-	-
Nectaro	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€617.39 €30.02 -€0.00 -€0.00 €647.41 -€32.37 €615.04	€75.77 €0.00 -€0.00 -€0.00 €75.77 -€3.79 €71.98	€541.62 €30.02 -€0.00 -€0.00 €571.64 -€28.58 €543.06	-	-	-	-	-	-	-	-	-
Triple Dragon Funding	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€40.00 €150.00 -€0.00 -€0.00 €190.00 -€0.00 €190.00	€40.00 €150.00 -€0.00 -€0.00 €190.00 -€0.00 €190.00	-	-	-	-	-	-	-	-	-	-
Total	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€209,532.10 €7,678.52 -€128.02 -€746.18 €216,336.42 -€1,225.08 €215,111.34	€4,653.93 €180.00 -€9.67 -€0.00 €4,824.26 -€53.29 €4,770.97	€35,505.31 €3,359.01 -€58.60 -€746.18 €38,059.54 -€509.08 €37,550.46	€48,531.73 €2,215.80 -€21.75 -€0.00 €50,725.77 -€342.41 €50,383.36	€31,412.60 €352.50 -€34.00 -€0.00 €31,731.10 -€221.48 €31,509.62	€27,774.45 €200.00 -€2.00 -€0.00 €27,972.45 -€98.83 €27,873.62	€27,986.10 €853.32 -€2.00 -€0.00 €28,837.42 -€0.00 €28,837.42	€19,159.71 €360.76 -€0.00 -€0.00 €19,520.47 -€0.00 €19,520.47	€8,455.62 €157.14 -€0.00 -€0.00 €8,612.76 -€0.00 €8,612.76	€3,131.14 €0.00 -€0.00 -€0.00 €3,131.14 -€0.00 €3,131.14	€2,708.57 €0.00 -€0.00 -€0.00 €2,708.57 -€0.00 €2,708.57	€212.94 €0.00 -€0.00 -€0.00 €212.94 -€0.00 €212.94

Tim Rottmann's Portfolio