Upstart Calculator

Calculate your Upstart returns with real platform data. 8.5% average returns, $100,000 minimum investment, 2% platform fee.

8.5% Avg Returns
$100,000 Minimum
2% Platform Fee
4.2/5 Rating
Get Started with Upstart

AI-powered underwriting for faster approvals

Calculator Inputs

Platform settings auto-loaded for optimized calculations

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Historical P2P default rates typically range from 1-8%

Automatically reinvest interest payments for compound growth

About Upstart Returns and Calculations

AI-powered lending platform for accredited investors only, no individual P2P investing.

Platform Details

  • Founded: 2012
  • Headquarters: San Mateo, CA
  • Average Returns: 8.5%
  • Minimum Investment: $100,000
  • Platform Fee: 2%
  • Risk Level: Medium

Pros & Cons

Pros:

  • +Advanced AI underwriting technology
  • +Higher approval rates than traditional lenders
  • +Considers education and employment history
  • +No prepayment penalties for borrowers
  • +Co-applicant options available

Cons:

  • -Accredited investors only ($1M+ net worth)
  • -High origination fees up to 12%
  • -Not true P2P for individual investors
  • -Limited to personal loans only

How the Upstart Calculator Works

Our Upstart calculator uses real platform data to provide accurate return projections. The calculations include:

  • Platform-specific returns: Based on Upstart's historical 8.5% average returns
  • Actual fee structure: Incorporates Upstart's 2% platform fee
  • Risk-adjusted defaults: Uses medium-risk default modeling for realistic projections
  • Compound growth: Models reinvestment of returns for maximum accuracy

Complete Upstart Review Available

Get detailed analysis of Upstart's features, performance, and user experience.

Read Full Upstart Review

Disclaimer: This calculator provides estimates based on Upstart's current rates and historical data. Actual returns may vary due to market conditions, defaults, and platform changes. P2P lending involves risk including potential loss of principal. Always read Upstart's terms and conditions before investing.