Income vs Mintos
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 August 3, 2026
 Income |  Mintos | |
|---|---|---|
| Community ranking 2026 | #13 of 34 | #16 of 34 |
| Median net return (XIRR) | 12.2% | 10.9% |
| Median cash drag | 2.5% | 3.0% |
| Investors on P2P Dash | 327 | 969 |
| Combined portfolio value | €1.63M | €9.56M |
| Interest earned all-time | €360K | €3.28M |
Platform facts
| Founded | 2020 | 2015 |
| Headquarters | 🇪🇪 Estonia | 🇱🇻 Latvia |
| Regulated | No | Yes |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Income
11.4%
Last 12 months · All time 12.2%
96 investors
Mintos
10.3%
Last 12 months · All time 10.9%
202 investors
12.2%
6.8%
2022
13.6%
10.3%
2023
13.1%
10.2%
2024
11.9%
11.3%
2025
11.0%
8.9%
2026
Income came out ahead in 5 of the 5 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Income Middle 50% of investors: 10.8% – 13.3%
Median net return (XIRR): 12.2%
Mintos Middle 50% of investors: 9.0% – 12.6%
Median net return (XIRR): 10.9%
Income investors sit closer together: 2.5% between the 25th and 75th percentile, against 3.6%.
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
231 investors track both platforms.
71% of Income investors also track Mintos.
24% of Mintos investors also track Income.
What the data says
Measured by real portfolios on P2P Dash, Income currently delivers the higher median net return: 12.2% versus 10.9% at Mintos.
Investor sentiment currently favors Income: 59% of stated strategies are “add funds” or “reinvest”, versus 55% at Mintos.
Mintos is the bigger platform on P2P Dash, with 969 investors tracking it versus 327 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 Mintos?
Among P2P Dash investors, Income currently shows the higher median net return (XIRR): 12.2% versus 10.9% (as of August 3, 2026). The middle 50% of portfolios earn 10.8% – 13.3% at Income and 9.0% – 12.6% at Mintos.
Which has done better recently, Income or Mintos?
Over the last 12 months Income shows the higher median net return: 11.4% against 10.3%. All time the figures are 12.2% for Income and 10.9% for Mintos (as of August 3, 2026).
Where do investors put new money right now, Income or Mintos?
As of August 3, 2026, 59% of stated strategies at Income are “add funds” or “reinvest”, compared to 55% at Mintos.
Do investors use Income and Mintos at the same time?
231 investors on P2P Dash track both platforms. 71% of Income investors also have Mintos in their portfolio.
How do I compare my own returns on Income and Mintos?
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.
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.