◆P2P Investor Toolsby P2PInvestitor.eu
● PRACTICAL P2P TOOLS

See your portfolio
from a clearer perspective.

Analyse the structure of your P2P portfolio — no registration and no data upload.

Analyse your portfolio Explore the tools
DEMO RESULT · SAMPLE DATA

Make concentration visible.

An example of how the calculator presents portfolio allocation.

3 114
HHI indexHigh concentrationEffective number of platforms: 3.2
Platform A
42%
Platform B
31%
Platform C
17%
Other
10%
9active tools
0registrations
100%in-browser calculations
BG / ENtwo languages
9 ACTIVE TOOLS

Choose the right tool for the task

Filter by category and open the right tool for your next check.

9 tools

PortfolioRecommended start

Diversification calculator

Calculate the HHI index, effective number of platforms and capital concentration.

HHIPortfolio assessment
Analyse your portfolio
Risk

Risk analyser

Identify concentration by platform, country, loan originator, corporate group, guarantor and loan type.

Hidden concentrationExposure
Analyse risk
Portfolio

Liquidity analyser

See how much capital is available, committed long term, pending payment or in recovery.

LiquidityTime scenarios
Check liquidity
Risk

Portfolio stress test

Simulate defaults, delays, falling interest rates or a platform freeze.

Stress scenariosWhat-if analysis
Run stress test
Portfolio

Cash flow forecast

Forecast monthly payments, delays, reinvestment and available cash.

Cash flowAvailable cash
Create forecast
Portfolio

Portfolio optimiser

Compare defensive, balanced and return-focused scenarios under defined constraints.

ScenariosAllocation
Optimise a scenario
Compare

Platform comparison

Compare platforms using consistent criteria and add your own profiles.

CriteriaComparison
Compare platforms
Risk

Loan originator check

Structure your due diligence and identify missing financial or legal information.

Due diligenceWarning signs
Start due diligence
Tax

Bulgarian tax helper

Summarise interest, bonuses, cashback and expenses and receive an indicative tax calculation.

Bulgarian contextTax summary
Calculate tax
QUICK CHOICE

What would you like to check?

Choose a specific question and open the most suitable tool.

CONCENTRATION

“Am I too dependent on one platform?”

Compare actual shares, the HHI index and the effective number of platforms.

Check diversification → RESILIENCE

“What would happen in an adverse scenario?”

Simulate defaults, delays, lower interest rates or a blocked platform.

Run a stress test → CASH FLOW

“When are principal and interest expected?”

Build a monthly scenario for payments, reinvestment and available cash.

Forecast cash flow → DUE DILIGENCE

“What information about the originator is missing?”

Organise financial and legal facts into a consistent checklist.

Check originator →
WHO THE TOOLS ARE FOR

A useful reference at every stage of P2P investing

Use the tools according to your experience and the specific question you want to examine.

For beginner investors

Learn the core concepts, compare platforms consistently and build a due-diligence habit before making decisions.

For investors with an active portfolio

See concentration by platform, country and loan originator and test how different limits affect allocation.

For people who want more control

Organise your data, identify missing information and compare scenarios using a transparent methodology.

HOW THEY WORK

Three steps to a clearer picture

Calculations are useful only when the input data is complete and verifiable.

01

Enter your data

Add actual allocations, parameters or verified facts for your situation.

02

Get a structured result

The tool calculates indicators or organises information using a clear methodology.

03

Review the conclusions

Compare the result with official documents and explore different scenarios.

IMPORTANT LIMITATIONS

What the tools cannot do

No browser-based calculator can predict a default or replace professional due diligence.

They do not verify online sources

Entered facts are not automatically verified against registers or financial statements.

They do not provide recommendations

Assessments and scenarios do not tell you where to invest or what return you will earn.

They do not eliminate risk

Diversification reduces concentration but does not eliminate systemic or group risk.

They depend on the data

Incomplete, outdated or inaccurate inputs lead to misleading results.

TRANSPARENT LOGIC

Guide and methodology

Learn how to use the tools and understand the limitations of the indicators.

GUIDE

How to use the tools

Practical guidance for entering data and interpreting results.

Open →METHODOLOGY

Formulas, criteria and limitations

An explanation of HHI, concentration and the logic behind indicative assessments.

Open →
FREQUENTLY ASKED QUESTIONS

Key information about P2P Investor Tools

Short answers about access, data and the purpose of the tools.

Are the tools in P2P Investor Tools free?

Yes. The tools are free to use and require no registration.

Where is the entered data processed?

Calculations run directly in the browser. The tools do not send the entered portfolio data to a server.

Does P2P Investor Tools provide investment recommendations?

No. Results are for educational and analytical purposes and do not constitute investment, legal or tax advice.

Do I need experience with P2P investing?

Not necessarily. Each tool follows a clear process, while the guide and methodology help you interpret the results correctly.

START WITH ACTUAL SHARES

Review the structure of your P2P portfolio.

No registration. Calculations run directly in your browser.

Open calculator →