InSoil 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
 InSoil |  Monefit | |
|---|---|---|
| Community ranking 2026 | #33 of 34 | #3 of 34 |
| Median net return (XIRR) | 8.5% | 8.5% |
| Median cash drag | 2.6% | 0.0% |
| Investors on P2P Dash | 56 | 841 |
| Combined portfolio value | €121K | €8.03M |
| Interest earned all-time | €25.8K | €503K |
Platform facts
| Founded | 2020 | 2022 |
| Headquarters | 🇱🇹 Lithuania | 🇪🇪 Estonia |
| Regulated | Yes | Yes |
| Buyback Guarantee | No | No |
| Secondary Market | Yes | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
InSoil
9.7%
Last 12 months · All time 8.5%
12 investors
Monefit
8.7%
Last 12 months · All time 8.5%
101 investors
11.0%
9.7%
2023
9.6%
7.7%
2024
9.0%
8.3%
2025
8.0%
9.0%
2026
InSoil came out ahead in 3 of the 4 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
InSoil Middle 50% of investors: 5.9% – 10.5%
Median net return (XIRR): 8.5%
Monefit Middle 50% of investors: 7.4% – 9.5%
Median net return (XIRR): 8.5%
Monefit investors sit closer together: 2.1% between the 25th and 75th percentile, against 4.5%.
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
32 investors track both platforms.
57% of InSoil investors also track Monefit.
4% of Monefit investors also track InSoil.
What the data says
Both platforms currently deliver a similar median net return: 8.5% at InSoil versus 8.5% at Monefit.
Investor sentiment currently favors Monefit: 69% of stated strategies are “add funds” or “reinvest”, versus 24% at InSoil.
Monefit is the bigger platform on P2P Dash, with 841 investors tracking it versus 56 for InSoil.
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: InSoil or Monefit?
Among P2P Dash investors, InSoil currently shows the higher median net return (XIRR): 8.5% versus 8.5% (as of August 3, 2026). The middle 50% of portfolios earn 5.9% – 10.5% at InSoil and 7.4% – 9.5% at Monefit.
Which has done better recently, InSoil or Monefit?
Over the last 12 months InSoil shows the higher median net return: 9.7% against 8.7%. All time the figures are 8.5% for InSoil and 8.5% for Monefit (as of August 3, 2026).
Where do investors put new money right now, InSoil or Monefit?
As of August 3, 2026, 24% of stated strategies at InSoil are “add funds” or “reinvest”, compared to 69% at Monefit.
Do investors use InSoil and Monefit at the same time?
32 investors on P2P Dash track both platforms. 57% of InSoil investors also have Monefit in their portfolio.
How do I compare my own returns on InSoil 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.