Calculadora de rendimento P2P
Quanto pode o seu dinheiro realmente render?
A maioria das calculadoras das plataformas mostra o juro composto bruto e fica por aí. Esta também subtrai o que os anúncios omitem: incumprimentos e dinheiro parado, em três cenários.
Como evolui ao longo do tempo
Para onde vai o número anunciado
Contra as alternativas
Assumptions & method
Scenarios. Optimistic: the advertised rate minus 0.5 pp of idle-cash drag. Base: minus 2.5 pp for borrower defaults, recovery haircuts and idle cash, in line with long-run investor-reported results on established platforms. Pessimistic: minus 6 pp, elevated defaults and slow recoveries, platform still solvent.
Comparisons. Broad stock ETF: 7% nominal average annual return (long-run global equity average; actual years vary wildly, including deep drawdowns). Bank deposit: 2.5% nominal, state-guaranteed up to 100,000 EUR. Both assume reinvestment.
Withdraw monthly pays out net interest each month and keeps the principal invested, so there is no compounding; the line shows principal plus cumulative income received.
Illustration only, not investment advice. Figures are estimates, not promises.
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