Movements per year
| Period | Contributions | Withdrawals | Interest | Fees | Tax withholdings | After shown costs |
|---|---|---|---|---|---|---|
| 2025 · January to December · 12 closed months | 28,000.00 € | 200.00 € | 2,341.29 € | 63.89 € | 115.79 € | 2,161.61 € |
| 2026 · January to November · partial through 2 November 2026 | 0.00 € | 1,485.42 € | 2,733.41 € | 107.29 € | 135.44 € | 2,490.68 € |
Contributions, returned principal and transfers between products remain outside the interest total. Withdrawals are cash outflows to the bank. The monthly table retains the breakdowns and each statement’s dates.
View the account breakdown and its limits
| Assets | Displayed value | Weight shown |
|---|---|---|
| Loans | 32,459.89 € | 97.4% |
| Smart Cash | 215.00 € | 0.6% |
| ETF | 401.48 € | 1.2% |
| Real estate assets | 100.00 € | 0.3% |
| Cryptocurrencies | 34.32 € | 0.1% |
| Bonds | 0.00 € | — |
| Available cash | 111.22 € | 0.3% |
Assets total €33,321.91, compared with the €33,321.90 account value shown. I retain the €0.01 difference without adjusting any position.
Mintos shows €4,777.00 under “Total return”. This is a dashboard measure; it is not equivalent to the interest added up over this historical period. ETF and crypto results marked “Unrealized” do not establish that cash has been received either.
My portfolio by product retains each position’s context.
What remains pending
The loans dashboard of 2 November 2026 shows €330.87 of pending payments and €3,401.68 of overdue funds. Late instalments are a different classification, and I do not add them to those amounts. The case tracking article explains their statuses and dates.
Cash and the date of each observation
The general overview shows €111.22 available and the loans dashboard €71.34 in portfolio cash; together they total €182.56. The statement closes at €182.73: there is a €0.17 difference between those observations. Cash allocated to a portfolio and cash available for withdrawal have different scopes.
General overview: 2 November 2026, approximately 09:01 CET. Loans dashboard: 2 November 2026, approximately 09:01 CET. Statement: from 1 November 2026 to 2 November 2026, consulted on 2 November 2026, approximately 09:03 CET. I keep the amounts and their dates; I do not attribute the difference to a cause these documents do not establish.
Sources and scope
General overview and loans dashboard from my account, with the dates shown above. The EUR Transaction summaries cover January 2025 through 2 November 2026 and were consulted between 7 October 2026 and 2 November 2026. Categories retain Mintos’s rounding.
Times marked as approximate come from the saved captures; they are not transaction execution timestamps.
Statements before January 2025 and month-end valuations are missing to measure the complete result. How I read results and sources and method explain those limits.