Product logo

How can we help?

Ask anything. Find answers instantly.

Go & GrowGo & Grow overviewFeaturesAdd moneyGo & Grow payment limits Withdraw moneyFees & taxesRisksMy accountGetting started with BondoraAccount identificationChanging my detailsReferral programSecurityAdd moneyHow do I add money to my Bondora account?Which currencies does Bondora accept?Why is my money reserved on my account? How long does it take for my payment to arrive?I forgot to add my reference numberWise payments are no longer supportedCredit card and Klarna payments are no longer acceptedSecurityWithdrawHow to withdrawWithdrawal informationErrorsMy portfolioWhat is the Secondary Market?Building a portfolioMonitor performancePaying taxesAffiliate partnersHow can I become an affiliate partner?Portfolio ManagerPortfolio Manager overviewPortfolio Manager featuresPortfolio Manager settingsPortfolio ProPortfolio Pro overviewPortfolio Pro criteriaPortfolio Pro featuresAbout BondoraGeneral informationOperational managementCorporate governanceRisk factorsCredit and investment risksOperational risksRegulatory, governance and legal risksRisk management processLoan originationUnderwriting processMarketingCollection & recoveryDebt collection and recovery overviewWrite-off overviewFinancial market overviewWhat’s important to know about the Estonian economy?What’s important to know about the Finnish economy?What’s important to know about the Spanish economy?What is the state of the consumer lending market in Estonia?What is the state of the consumer lending market in Finland?What is the state of the consumer credit market in Spain?How does the consumer lending market in Europe affect Bondora?How can I contact customer support?

What is the XIRR (extended internal rate of return)?

The XIRR calculation is the extended internal rate of return that lets you see how much return you can earn during the remaining duration of a loan. If the number is green and positive, this indicates a possible profit in the long term; if negative, it indicates a possible loss. However, before you consider the XIRR as the sole factor in your decision-making, you should take a look at the borrower's payment behavior. Maybe you will see a new loan, which (naturally) has a high return expected, but is recently overdue. In that case, it’s up to you to evaluate how likely a repayment will be.

The XIRR considers the loan issue date and amount, the repayment dates and amounts, as well as the principal balance according to the original repayment date. In this calculation, overdue principal payments are written off immediately. For overdue loans, there is a chance to earn more return than is estimated in this number. No provisions for future losses are made and only received (not accrued or scheduled) interest payments are taken into account.

Product logo

* Capital at risk. Investments made with Bondora are not guaranteed, nor is the preservation of value invested guaranteed. Please note that the yield achieved in past periods does not guarantee the rate of return in future periods. The yield of Go & Grow is up to 6.75% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.