Separate earnings contributions
In 2025 I added 28,000 € to my account, distributed between January, March and August. Those contributions help to understand why there may be more money in Mintos at the end of the year. To know how much the investment has generated, I first have to separate the money I put in.
One way to start is to bring together everything I have contributed from the beginning, what I have withdrawn and the value that the account has on the date I want to analyze:
In my case, I still have to review the statements prior to 2025 before applying this account to all my experience. It also matters how investments are valued and whether there are bonuses or other income included. The formula gives a result in euros; to calculate an annual return you need dates and a method that takes time into account.
The valuation should be explained
My account may have cash, invested money and amounts I keep waiting for. They all appear on the platform, but having each one can be very different. That’s why, when I publish the total value, I accompany you to the deal and the date.
I also need to know how each investment has been valued: at its nominal value, at a market price or with another criterion. With an amount in recovery there is also the question of how much will finally come. Delays in my account show why it's worth stopping at that part.
Interests are not the whole result
From January 2025 through 2 November 2026, I have received €5,074.70 of interest. Identified fees total €171.18 and withholding taxes €251.23. Subtracting them leaves €4,652.29. That amount tracks this income; it does not measure the result of the whole investment.
If I get a reward for a campaign or for recommending Mintos, I'll separate it from the interest to explain where it comes from.
The withholdings also do not close the tax account on their own. That result needs their own calculation, with the rest of the tax information.
How to declare Mintos in Spain: tax report, tax return boxes and double taxation relief.
Time changes comparison
In January 2025 I collected 34.01 € from interest and in September, 278.80 €. Between the two months I had contributed more capital. Comparing what was collected serves to track my monthly income, but to know how the money yielded I need to know how much was invested and for how long.
The January 8,000 € could spend more time on the account than the August 10,000 €. A comparison that treats both amounts as if they had been invested from day one would lose that difference. Therefore, when I publish a percentage of profitability, I will explain the period and how I calculated it.
The latest period, November 2026, runs through 2 November 2026. Partial periods remain separate from closed months when comparing income.
The Creditplan methodology explains how I check the movements and what discrepancies remain open.
Interest and profitability: an example of my account
In September 2026 262.74 € in interest. The fees shown were 9.82 € and the withholdings, 13.13 €. The subtraction is 262.74 − 9.82 − 13.13 = 239.79 €.
That amount follows interest after those two subtractions. It does not calculate the profitability of the entire portfolio: there are no changes in value, losses and other income or costs. It is not the final tax benefit nor does it allow to obtain an annual rate by dividing between the current value of my account.
During that month I withdrew 300 €. The withdrawal is a cash outflow; its amount does not prove that all that money comes from interest. The balance sheet retains separately the contributions, the principal returned and the other movements.
Questions for any balance sheet
Before I give a figure for good, these are the questions that help me understand it:
- What date and period am I looking at?
- How much money have I contributed?
- How much can I use and what is still pending?
- What costs, losses or bonuses do you include?
- If there is a percentage, what period does it cover and how is it calculated?
In my results I gather the figures for the account. The Journal lets you follow the 23 periods month by month and see what happened to the money in each one.