Income vs Monefit
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 |  Monefit | |
|---|---|---|
| Community ranking 2026 | #13 of 34 | #3 of 34 |
| Median net return (XIRR) | 12.2% | 8.5% |
| Median cash drag | 2.5% | 0.0% |
| Investors on P2P Dash | 327 | 841 |
| Combined portfolio value | €1.63M | €8.03M |
| Interest earned all-time | €360K | €503K |
Platform facts
| Founded | 2020 | 2022 |
| Headquarters | 🇪🇪 Estonia | 🇪🇪 Estonia |
| Regulated | No | Yes |
| Buyback Guarantee | Yes | No |
| Secondary Market | No | No |
| 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
Monefit
8.7%
Last 12 months · All time 8.5%
101 investors
13.6%
9.7%
2023
13.1%
7.7%
2024
11.9%
8.3%
2025
11.0%
9.0%
2026
Income came out ahead in 4 of the 4 years both platforms have data for.
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
187 investors track both platforms.
57% of Income investors also track Monefit.
22% of Monefit 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 8.5% at Monefit.
Investor sentiment currently favors Monefit: 69% of stated strategies are “add funds” or “reinvest”, versus 59% at Income.
Monefit is the bigger platform on P2P Dash, with 841 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 Monefit?
Among P2P Dash investors, Income currently shows the higher median net return (XIRR): 12.2% versus 8.5% (as of August 3, 2026). The middle 50% of portfolios earn 10.8% – 13.3% at Income and 7.4% – 9.5% at Monefit.
Which has done better recently, Income or Monefit?
Over the last 12 months Income shows the higher median net return: 11.4% against 8.7%. All time the figures are 12.2% for Income and 8.5% for Monefit (as of August 3, 2026).
Where do investors put new money right now, Income or Monefit?
As of August 3, 2026, 59% of stated strategies at Income are “add funds” or “reinvest”, compared to 69% at Monefit.
Do investors use Income and Monefit at the same time?
187 investors on P2P Dash track both platforms. 57% of Income investors also have Monefit in their portfolio.
How do I compare my own returns on Income and Monefit?
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.