The P2P tracker for all your platforms
Upload the exports from 80 P2P lending platforms and see the return you really made: XIRR per platform and for the whole portfolio, idle cash and fees included. Free, and no platform login needed.
Performance
Net deposits compared to portfolio value
Total Balance
Net Deposits
What the dashboard shows you
The numbers your platforms don't show: the return you actually made, how your portfolio developed over time, and what you plan for each platform.
XIRR
Values are medians across all investors.
| Platform | All Time | 2026 | 2025 |
|---|---|---|---|
| Mintos | 10.37% | 8.60% | 11.21% |
| Go & Grow | 6.21% | 5.99% | 6.19% |
| Debitum | 15.27% | 14.58% | 14.54% |
| Viainvest | 11.98% | 11.79% | 12.08% |
| LenderMarket | 17.23% | 15.45% | 19.49% |
| Peerberry | 9.12% | 8.86% | 9.23% |
| Afranga | 14.81% | 15.26% | 14.10% |
| Monefit | 8.57% | 8.95% | 8.45% |
| Total | 11.86% | 11.51% | 12.14% |
XIRR: the return you actually made
Platforms show the interest rate of the loans. XIRR takes every deposit, withdrawal and payout with its date and works out what your money really earned per year.
- XIRR per platform, so platforms become comparable
- One XIRR for the whole portfolio
- Same method as the XIRR function in Excel
- Including cash drag: what idle money costs your return
Income
Net income (income - expenses)
Statement
Aggregated transaction data and running balances
| Year | Deposits | Withdrawals | Interest | Total Balance |
|---|---|---|---|---|
| 2026 | €12,900 | €8,000 | €11,875 | €150,232 |
| 2025 | €16,650 | – | €13,365 | €133,600 |
| 2024 | €7,950 | €54,000 | €15,728 | €105,948 |
| 2023 | €10,600 | €12,000 | €15,557 | €138,184 |
Your portfolio over time
How balance, income and return developed, across all platforms and per platform. Import the full history and the charts go back to your first deposit.
- Balance and return charts over any period
- Monthly and yearly tables
- Full history from every supported platform
MintosDeposit new money and grow platform balanceReinvest interest only, no new depositsWithdraw earnings to maintain platform valueWithdraw to reduce balanceWithdraw all and close position
Investment Sentiment
Distribution of investment intents across users
- Grow78 (26%)
- Compound75 (25%)
- Hold46 (16%)
- Shrink37 (13%)
- Exit60 (20%)
What you plan per platform
Mark for each platform whether you are growing, compounding, holding, shrinking or exiting. It keeps your own plan visible, and across all investors it shows where the mood is heading.
- Grow, compound, hold, shrink or exit, per platform
- Shown on every platform page
- How all investors on P2P Dash lean, per platform
And plenty more features.
See all featuresThree steps from export to dashboard
You download the transaction export from each platform. P2P Dash does the rest.
Upload the exports
CSV or Excel, straight from the platform's transaction history. The format is recognised from the file, there is nothing to configure.
Transactions get sorted
Every row becomes a deposit, interest, fee, repayment or one of the other types we know. Rows we don't know yet are flagged, not silently dropped.
See your numbers
The dashboard is ready right after the import. For new months, upload a newer export: overlapping days are matched, nothing is counted twice.
80 platforms from 18 countries
42 of them were added in the last 12 months. In the last 30 days we built or changed 15 imports.
Your platform is missing?
Send us an export of your transactions and we build the import. The guide shows which file we need and how to send it.
Read the guideWhere your data lives
Servers in Frankfurt, a managed database with backups, and no access to your platform accounts. Here is what we store and what we don't.
Hosting
P2P Dash runs on DigitalOcean in Frankfurt, Germany.
- Managed PostgreSQL database with automatic backups
- Servers with regular security updates
- Cloudflare in front for TLS and DDoS protection
Transport and storage
Everything travels over HTTPS and is encrypted at rest by the database provider.
- HTTPS for every request
- Encryption at rest in the managed database
- No platform passwords: we never ask for your platform login
- Account sign-in handled by Better-auth
What we keep
Only what the dashboard needs to show your numbers.
- The uploaded file is read once and not stored
- Transactions are aggregated into daily values per platform
- Rows we can't recognise yet are stored without a link to your account, so support can be added
What you control
It is your data. You decide what stays and what goes.
- Delete a platform's data or your whole account at any time
- A portfolio is shared only if you switch sharing on
- Export your data to Portfolio Performance or CSV
In plain words
We read your export file once, turn it into daily numbers per platform, and discard the file. Rows we don't recognise yet are kept without any link to your account so that import support can be added. You can delete everything from the account settings, and the privacy page lists every detail.
What real portfolios show
Every night we run through the anonymised portfolios of 2,058 investors: a ranking of the platforms and statistics on the whole market. No editorial opinion, no paid placements.
The Best P2P Lending Platforms 2026
P2P lending statistics
- Median net return (XIRR)
- 11.8%
- Based on 1,446 investor portfolios
- Investors on P2P Dash
- 2,058
- Combined portfolio value
- €119M
- Platforms covered
- 67
- 67 of 80 platforms clear the data floor
P2P Dash on YouTube
On our channel we show how the import works, how the rankings are built and what the numbers in the quarterly report say. The videos are in German, YouTube translates the subtitles.
The team at die-p2p-macher.de made a whole video series about P2P Dash and wrote an article about it.
How P2P returns really work
Short articles on the terms behind your numbers. Written for investors, with worked examples.
XIRR Explained
Your platform says you're earning 12%. But are you really? Why XIRR is the number to compare platforms by, and how it is calculated.
Cash Drag Explained
Your money can't earn returns if it's sitting uninvested. Learn how cash drag silently erodes your P2P returns and what you can do about it.
Buyback Guarantee Explained
Buyback guarantees sound like free insurance. But who's actually making that promise, and what happens when they can't keep it?
Diversification Explained
Holding a thousand loans doesn't make you diversified. Learn the risk layers that actually cause P2P losses, and how to spread across them.
Loan Lifecycle Explained
What “late”, “default” and “in recovery” really mean for your money, and why a defaulted loan is not the same as a lost one.
Secondary Market Explained
How to sell P2P loans before maturity, what discounts and premiums really cost, and why liquidity vanishes exactly when you need it.
Questions and answers
What people ask before they sign up
How does P2P Dash make money if it's free?
Through affiliate links. If you open an account at a platform through one of our links, we get a commission, and in most cases you get a bonus from the platform. There is no paid plan, no subscription and no advertising. A commission never changes a ranking or a figure; the Transparency page has the details.
Is P2P Dash GDPR-compliant?
Yes. The servers are in Germany, we process only what the dashboard needs, and nothing is passed to third parties for their own purposes. The privacy page lists every processor, the retention periods and your rights.
How accurate is the XIRR?
It is the same calculation as the XIRR function in Excel, run on your actual transactions. It is only as complete as your export: if a platform leaves out fees, or a transaction type isn't recognised yet, the number is off. The dashboard tells you when rows were skipped.
Can I import historical data?
Yes. Upload the full history and the dashboard is rebuilt back to your first deposit.
How does P2P Dash work with Portfolio Performance?
P2P Dash covers the P2P part of your investments and exports to Portfolio Performance, so the numbers land in your overall portfolio view as well.
How do I export my data from P2P platforms?
Every platform has a transaction history with a CSV or Excel download, usually under account, statements or reports. The platform pages here show where to find it for each one.
Can I use P2P Dash for my tax return?
It gives you interest, fees and other income per year and per platform, which is the overview you need to fill in the return. It is not tax advice, and the rules differ by country.
See what your P2P portfolio really earns
Upload your first export and the dashboard is ready a few minutes later. Free, and no platform login needed.