Income vs Nectaro
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 November 4, 2026
 Income |  Nectaro | |
|---|---|---|
| Community ranking 2026 | #11 of 29 | #4 of 29 |
| Median net return (XIRR) | 12.0% | 16.1% |
| Median cash drag | 2.8% | 1.3% |
| Investors on P2P Dash | 394 | 579 |
| Combined portfolio value | €2.06M | €4.53M |
| Interest earned all-time | €439K | €490K |
Platform facts
| Founded | 2020 | 2023 |
| Headquarters | 🇪🇪 Estonia | 🇱🇻 Latvia |
| Regulated | No | Yes |
| Buyback Guarantee | Yes | Yes |
| 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.
Income
11.5%
Last 12 months · All time 12.0%
114 investors
Nectaro
15.3%
Last 12 months · All time 16.1%
102 investors
13.1%
22.2%
2024
11.9%
17.0%
2025
11.5%
14.7%
2026
Nectaro came out ahead in 3 of the 3 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
IncomeMiddle 50% of investors: 10.6% – 13.2%
Median net return (XIRR): 12.0%
NectaroMiddle 50% of investors: 14.4% – 18.6%
Median net return (XIRR): 16.1%
Income investors sit closer together: 2.6% between the 25th and 75th percentile, against 4.2%.
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
230 investors track both platforms.
58% of Income investors also track Nectaro.
40% of Nectaro investors also track Income.
What the data says
Measured by real portfolios on P2P Dash, Nectaro currently delivers the higher median net return: 16.1% versus 12.0% at Income.
Nectaro is the bigger platform on P2P Dash, with 579 investors tracking it versus 394 for Income.
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: Income or Nectaro?
Among P2P Dash investors, Nectaro currently shows the higher median net return (XIRR): 16.1% versus 12.0% (as of November 4, 2026). The middle 50% of portfolios earn 10.6% – 13.2% at Income and 14.4% – 18.6% at Nectaro.
Which has done better recently, Income or Nectaro?
Over the last 12 months Nectaro shows the higher median net return: 15.3% against 11.5%. All time the figures are 12.0% for Income and 16.1% for Nectaro (as of November 4, 2026).
Where do investors put new money right now, Income or Nectaro?
As of November 4, 2026, 63% of stated strategies at Income are “add funds” or “reinvest”, compared to 61% at Nectaro.
Do investors use Income and Nectaro at the same time?
230 investors on P2P Dash track both platforms. 58% of Income investors also have Nectaro in their portfolio.
How do I compare my own returns on Income and Nectaro?
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.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
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.