Debitum vs Monefit
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Community data compared
As of August 8, 2026
 Debitum |  Monefit | |
|---|---|---|
| Community ranking 2026 | #5 of 27 | #1 of 27 |
| Median net return (XIRR) | 15.2% | 8.5% |
| Median cash drag | 2.2% | 0.0% |
| Investors on P2P Dash | 801 | 852 |
| Combined portfolio value | €5.29M | €8.29M |
| Interest earned all-time | €614K | €508K |
Platform facts
| Founded | 2018 | 2022 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | No |
| Secondary Market | No | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Debitum
15.1%
Last 12 months · All time 15.2%
147 investors
Monefit
8.6%
Last 12 months · All time 8.5%
102 investors
9.5%
9.7%
2023
15.5%
7.7%
2024
14.5%
8.3%
2025
14.7%
9.1%
2026
Debitum came out ahead in 3 of the 4 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Debitum Middle 50% of investors: 13.7% – 17.3%
Median net return (XIRR): 15.2%
Monefit Middle 50% of investors: 7.4% – 9.5%
Median net return (XIRR): 8.5%
Monefit investors sit closer together: 2.1% between the 25th and 75th percentile, against 3.6%.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
502 investors track both platforms.
63% of Debitum investors also track Monefit.
59% of Monefit investors also track Debitum.
What the data says
Measured by real portfolios on P2P Dash, Debitum currently delivers the higher median net return: 15.2% versus 8.5% at Monefit.
Investor sentiment currently favors Monefit: 70% of stated strategies are “add funds” or “reinvest”, versus 59% at Debitum.
Monefit is the bigger platform on P2P Dash, with 852 investors tracking it versus 801 for Debitum.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Debitum or Monefit?
Among P2P Dash investors, Debitum currently shows the higher median net return (XIRR): 15.2% versus 8.5% (as of August 8, 2026). The middle 50% of portfolios earn 13.7% – 17.3% at Debitum and 7.4% – 9.5% at Monefit.
Which has done better recently, Debitum or Monefit?
Over the last 12 months Debitum shows the higher median net return: 15.1% against 8.6%. All time the figures are 15.2% for Debitum and 8.5% for Monefit (as of August 8, 2026).
Where do investors put new money right now, Debitum or Monefit?
As of August 8, 2026, 59% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 70% at Monefit.
Do investors use Debitum and Monefit at the same time?
502 investors on P2P Dash track both platforms. 63% of Debitum investors also have Monefit in their portfolio.
How do I compare my own returns on Debitum and Monefit?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.