HisabCalc › Country-specific

P2P Lending Net Yield Calculator

Find the net yield on a peer to peer loan after expected defaults, the platform fee and the tax you pay on interest.

Enter your numbers

Gross yield

Example: 14

Expected default rate

Example: 3

Platform fee

Example: 1

Tax on interest

Example: 1.5

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

grossAfterDefault = grossYield * (1 - defaultRate / 100); netYield = grossAfterDefault - platformFee - taxDrag

How the calculation works

The calculator first reduces the gross yield by the share of loans expected to default.

It subtracts the platform fee and the tax drag on interest from that default adjusted figure.

The remaining percentage is the yield you actually keep after every cost is taken out.

Common mistakes

Comparing platform headline rates without subtracting defaults, which flatters risky loan pools.
Counting tax drag as zero, since interest is taxed as income and quietly reduces the true return.

When to use it

Use it to compare advertised P2P rates fairly, since a high headline rate with high defaults can pay less than a modest one.
Use it to judge whether a platform's fee is worth it once you add default risk and tax on the interest earned.

Worked example

A gross yield of 14 percent with a 3 percent default rate, a 1 percent platform fee and 1.5 percent tax drag gives 14 x 0.97 = 13.58, less 2.5, so a net yield of 11.08 percent.

After default losses 13.58

Net yield 11.08%

Common questions

Why subtract the default rate before the fees?

Defaults shrink the interest you actually collect first, and the platform fee and tax are then charged on that smaller amount, so the order matters.

Last updated: 2026-10-03