TOOL // UPDATED SEP 2026

Mintos Returns Calculator

Mintos targets 9-11%, but advertised rates rarely equal realised returns once originator-level defaults are factored in. Adjust the inputs below to see optimistic, base-case and conservative outcomes.

OPTIMISTIC

EUR 0

BASE CASE

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CONSERVATIVE

EUR 0

VS. DIVERSIFIED ETF (7%)

EUR 0

VS. SAVINGS ACCOUNT (2.8%)

EUR 0

How the Scenarios Are Built

Rather than assume the advertised target is what you'll actually earn, we deduct a default-rate drag from the stated rate:

Optimistic: stated rate minus 0.6-0.8 percentage points.
Base case: stated rate minus 2.2-2.5 percentage points.
Conservative: stated rate minus 5.5-6.0 percentage points.

This is a modelling exercise, not a prediction. Actual Mintos returns depend heavily on which originators and loan types you select.

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Disclaimer. This calculator is for illustration only and is not a forecast or financial advice. Actual returns can be lower than the conservative scenario shown, including total loss of capital.