Tim's Portfolio

Distribution

Total balance across all platforms

Performance

Net deposits compared to portfolio value

Income

Net income (income - expenses)

Income Distribution

Net income across all platforms

Cashflow

Deposits minus withdrawals

Platform Balance Evolution

Evolution of total balance for each platform

Country Distribution

Estimate: each platform's balance is split evenly across its investment countries and summed across all platforms. Platforms without country data are grouped under 'Unknown'.

XIRR

Values in %. 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
Afranga	105,015.32 0.00	105,015.32 0.00
Bondora Go & Grow	6.41 6.41	6.02 6.02	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	14.56 13.49	14.50 13.45	14.13 13.60	55.03 13.42
Esketit	10.49 9.95	11.44 11.04	10.64 10.63	10.43 10.43	9.97 7.93
Estateguru	7.02 6.97	-0.11 -0.11	-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
FF Forest	34.78 19.04	34.78 19.04
Lande	9.21 8.73	11.12 11.12	9.82 9.82	9.43 9.34	6.46 3.90
LenderMarket	18.09 17.26	15.39 15.39	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	9.63 9.59	4.35 4.35	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	8.16 7.98	7.84 7.84	7.98 7.98	10.17 8.54
Nectaro	14.85 12.19	15.28 11.56	14.20 13.39
Peerberry	8.46 8.46	9.10 9.10	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	26.48 15.07	26.48 15.07
Twino	9.91 9.91	13.35 13.35	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	27.27 20.41	19.88 19.88	35.53 21.08
Viainvest	12.10 12.08	12.34 12.34	11.39 11.39	13.27 13.20	10.24 10.24
Total	11.64 11.24	11.15 10.54	11.48 10.43	16.77 15.94	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

Cash Drag

Values in %. 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
Afranga	0.00	0.00
Bondora Go & Grow	0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	0.00	0.00
Debitum	0.81	0.59	0.41	28.84
Esketit	2.37	0.32	1.20	2.89	6.24
Estateguru	3.76	1.69	3.79	4.75	2.08	1.31	1.47	2.27	10.79
FF Forest	1.47	1.47
Lande	7.23	3.10	4.68	4.69	21.79
LenderMarket	0.43	0.75	0.74	0.32	0.70	0.24	0.01	0.43
Mintos	0.61	0.94	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	0.63	0.46	0.76
Peerberry	2.23	1.98	1.35	2.55	5.75	0.13	1.71	0.09
Triple Dragon Funding	0.00	0.00
Twino	0.55	0.25	0.17	1.18	0.47	0.84	0.58	0.05	0.60
Ventus Energy	0.53	0.20	0.78
Viainvest	1.79	2.29	0.12	1.44	7.28
Total	1.06	0.60	0.56	1.06	2.09	0.25	0.98	0.79	2.86	0.59	0.55	1.28

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
Afranga	€1,000.00	€1,000.00
Bondora Go & Grow	€24,266.90	€76,536.38	€69,237.67	€19,442.15	€326.53	€663.21	€16,493.85	€21,627.22	€15,769.73
Debitum	€28,745.27	€46,713.55	€21,731.22	€6,054.45
Esketit	€21,660.10	€19,239.07	€20,864.21	€19,573.19	€31,091.09
Estateguru	€13,704.69	€6,757.34	€7,501.11	€17,008.58	€22,805.67	€17,149.10	€12,435.98	€11,197.68	€10,153.34
FF Forest	€9,698.66	€9,698.66
Lande	€9,888.12	€9,248.42	€9,375.10	€10,545.72	€10,128.41
LenderMarket	€88,489.67	€50,001.27	€64,777.36	€126,928.42	€125,920.79	€108,395.37	€55,968.14	€29,762.64
Mintos	€71,599.85	€49,026.53	€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	€19,586.08	€25,444.10	€21,449.38	€9,251.48
Nectaro	€15,202.10	€20,545.80	€10,274.79
Peerberry	€31,383.28	€4,327.51	€5,992.59	€21,436.77	€53,476.74	€63,152.01	€27,832.72	€10,073.48
Triple Dragon Funding	€10,764.30	€10,764.30
Twino	€12,465.98	€10,139.90	€11,589.89	€15,093.03	€14,482.92	€13,230.52	€12,163.23	€11,178.01	€10,350.12
Ventus Energy	€56,582.30	€69,097.82	€46,925.94
Viainvest	€28,520.88	€45,831.59	€27,725.75	€24,395.56	€18,836.69
Total	€216,725.95	€455,757.26	€353,656.28	€319,740.44	€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	Annual Projection	Monthly Projection	Daily Projection
Ventus Energy	€69,512.56	20.41%	€14,185.04	€1,084.09	€35.38
Bondora Go & Grow	€51,517.82	6.41%	€3,302.54	€267.44	€8.77
Monefit	€50,647.37	7.98%	€4,040.69	€325.00	€10.65
Debitum	€48,887.22	13.49%	€6,596.77	€518.40	€16.96
LenderMarket	€43,087.55	17.26%	€7,437.89	€575.59	€18.80
Viainvest	€40,805.35	12.08%	€4,928.52	€389.59	€12.75
Mintos	€35,493.35	9.59%	€3,403.70	€271.89	€8.91
Nectaro	€31,614.07	12.19%	€3,854.97	€304.58	€9.97
Esketit	€17,512.71	9.95%	€1,741.74	€138.92	€4.55
Triple Dragon Funding	€12,812.16	15.07%	€1,931.35	€150.79	€4.93
FF Forest	€10,079.00	19.04%	€1,918.62	€147.43	€4.81
Twino	€9,843.79	9.91%	€975.48	€77.82	€2.55
Lande	€9,113.97	8.73%	€796.06	€63.82	€2.09
Estateguru	€6,654.00	6.97%	€463.90	€37.48	€1.23
Peerberry	€3,326.88	8.46%	€281.40	€22.59	€0.74
Afranga	€1,000.00	0.00%
Total	€441,907.81	11.24%	€55,858.70	€4,375.43	€143.08

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:	€85,267.22 €3,445.28 -€0.00 -€0.00 €88,712.50 -€0.00 €88,712.50	€3,314.39 €0.00 -€0.00 -€0.00 €3,314.39 -€0.00 €3,314.39	€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:	€61,541.57 €184.62 -€121.48 -€505.52 €61,099.19 -€496.16 €60,603.02	€1,005.86 €0.00 -€37.83 -€0.00 €968.03 -€49.77 €918.27	€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
Ventus Energy	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€11,791.20 €3,164.26 -€0.00 -€0.00 €14,955.46 -€0.00 €14,955.46	€6,111.08 €0.00 -€0.00 -€0.00 €6,111.08 -€0.00 €6,111.08	€5,680.12 €3,164.26 -€0.00 -€0.00 €8,844.38 -€0.00 €8,844.38	-	-	-	-	-	-	-	-	-
Peerberry	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€14,351.68 €0.00 -€0.00 -€0.00 €14,351.68 -€0.00 €14,351.68	€144.85 €0.00 -€0.00 -€0.00 €144.85 -€0.00 €144.85	€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	-	-	-	-
Bondora Go & Grow	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€11,077.94 €0.00 -€8.00 -€0.00 €11,069.94 -€0.00 €11,069.94	€2,177.40 €0.00 -€3.00 -€0.00 €2,174.40 -€0.00 €2,174.40	€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:	€8,910.87 €0.00 -€0.00 -€0.00 €8,910.87 -€240.54 €8,670.33	€559.20 €0.00 -€0.00 -€0.00 €559.20 -€28.10 €531.10	€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:	€9,059.13 €15.00 -€0.00 -€0.00 €9,074.13 -€457.57 €8,616.56	€2,474.00 €0.00 -€0.00 -€0.00 €2,474.00 -€124.09 €2,349.91	€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 -€32.73 -€240.66 €6,586.09 -€0.00 €6,586.09	€0.42 €0.00 -€3.03 -€0.00 -€2.61 -€0.00 -€2.61	€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:	€6,055.02 €287.54 -€0.00 -€0.00 €6,342.56 -€0.00 €6,342.56	€988.36 €33.88 -€0.00 -€0.00 €1,022.25 -€0.00 €1,022.25	€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:	€5,534.80 €399.61 -€0.00 -€0.00 €5,934.41 -€296.72 €5,637.69	€2,717.97 €198.62 -€0.00 -€0.00 €2,916.59 -€145.83 €2,770.76	€2,776.36 €100.99 -€0.00 -€0.00 €2,877.35 -€143.87 €2,733.48	€40.47 €100.00 -€0.00 -€0.00 €140.47 -€7.02 €133.44	-	-	-	-	-	-	-	-
Monefit	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€2,697.40 €54.98 -€0.00 -€0.00 €2,752.37 -€0.00 €2,752.37	€752.82 €0.00 -€0.00 -€0.00 €752.82 -€0.00 €752.82	€1,641.15 €0.00 -€0.00 -€0.00 €1,641.15 -€0.00 €1,641.15	€303.43 €54.98 -€0.00 -€0.00 €358.40 -€0.00 €358.40	-	-	-	-	-	-	-	-
Lande	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€2,359.01 €111.50 -€0.00 -€0.00 €2,470.51 -€0.00 €2,470.51	€374.39 €0.00 -€0.00 -€0.00 €374.39 -€0.00 €374.39	€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	-	-	-	-	-	-	-
Nectaro	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€1,407.80 €291.23 -€0.00 -€0.00 €1,699.02 -€84.95 €1,614.07	€866.18 €261.21 -€0.00 -€0.00 €1,127.39 -€56.37 €1,071.01	€541.62 €30.02 -€0.00 -€0.00 €571.64 -€28.58 €543.06	-	-	-	-	-	-	-	-	-
Triple Dragon Funding	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€492.16 €320.00 -€0.00 -€0.00 €812.16 -€0.00 €812.16	€492.16 €320.00 -€0.00 -€0.00 €812.16 -€0.00 €812.16	-	-	-	-	-	-	-	-	-	-
FF Forest	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€439.86 €302.37 -€0.00 -€0.00 €742.23 -€0.00 €742.23	€439.86 €302.37 -€0.00 -€0.00 €742.23 -€0.00 €742.23	-	-	-	-	-	-	-	-	-	-
Afranga	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€0.00 €100.00 -€0.00 -€0.00 €100.00 -€0.00 €100.00	€0.00 €100.00 -€0.00 -€0.00 €100.00 -€0.00 €100.00	-	-	-	-	-	-	-	-	-	-
Total	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€227,806.92 €8,714.60 -€162.21 -€746.18 €235,613.13 -€1,575.95 €234,037.18	€22,418.95 €1,216.08 -€43.86 -€0.00 €23,591.17 -€404.16 €23,187.01	€35,827.44 €3,359.01 -€58.60 -€746.18 €38,381.66 -€509.08 €37,872.58	€48,719.41 €2,215.80 -€21.75 -€0.00 €50,913.45 -€342.41 €50,571.04	€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

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