Diversification calculator
Calculate the HHI index, effective number of platforms and capital concentration.
Open tool →● PRACTICAL P2P TOOLSSee your portfolio
See your portfolio
from a clearer perspective.
Analyse the structure of your P2P portfolio — no registration and no data upload.
Explore all tools ↓9 ACTIVE TOOLS
Choose the right tool for the task
Results are a reference point, not an investment recommendation.
PortfolioUnderstand structure and risk
Risk analyser
Identify concentration by platform, country, loan originator, corporate group, guarantor and loan type.
Open tool →Liquidity analyser
See how much capital is available, committed long term, pending payment or in recovery.
Open tool →Portfolio stress test
Simulate defaults, delays, falling interest rates or a platform freeze.
Open tool →PlanningCompare future scenarios
Cash flow forecast
Forecast monthly payments, delays, reinvestment and available cash.
Open tool →Portfolio optimiser
Compare defensive, balanced and return-focused scenarios under defined constraints.
Open tool →Due diligenceStructure the facts before making a decision
Platform comparison
Compare platforms using consistent criteria and add your own profiles.
Open tool →Loan originator check
Structure your due diligence and identify missing financial or legal information.
Open tool →Bulgarian tax helper
Summarise interest, bonuses, cashback and expenses and receive an indicative tax calculation.
Open tool →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.
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
Open calculator →Review the structure of your P2P portfolio.
No registration. Calculations run directly in your browser.