Peer-to-Peer Lending ROI Calculator

Expected return from P2P lending by risk grade.

Investment amount ($)

Loan term (months)

Gross interest rate (%)

Expected default rate (%)

Platform fee (%)

Recovery rate (%)

Reinvestment delay (days)

Alternative yield (%)

Tab to move between fields

Net return ($)

$1,485.99

Annualized net return (%)

4.95%

Excess return vs. alt ($)-$14.01

Gross interest income$1,957.15

Net default losses$360

Platform fees$19.18

Cash drag cost$52.83

Alternative investment return$1,500

How to Use This Calculator

Enter Investment amount ($), Loan term (months), and Gross interest rate (%).
Set Expected default rate (%), Platform fee (%), and Recovery rate (%).
Adjust Reinvestment delay (days), Alternative yield (%) as needed.
Review Net return ($) ($) and Annualized net return (%) (%).
Use Excess return vs. alt ($) ($) and Gross interest income ($) to inform your decision.

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