Javi VS Ice Report

CONTRIBUTION (Avg monthly costs)
Average Monthly Expenses (L12M)
886 €
Target Amount to Cover (Excluding House)
With Bonus
Javi
515
58.2%
Ice
370
41.8%
Target: Both contribute 46.2% of their monthly income
Without Bonus
Javi
524
59.2%
Ice
361
40.8%
Target: Both contribute 67.4% of their monthly income
CONTRIBUTION (Avg fixed costs)
Average Fixed Costs (L12M)
590 €
Excluding: House, Shopping, Food, Entertainment, etc.
With Bonus
Javi
343
58.2%
Ice
247
41.8%
Target: Both contribute 30.8% of their monthly income
Without Bonus
Javi
349
59.2%
Ice
241
40.8%
Target: Both contribute 44.9% of their monthly income
Payroll Trajectory
Net Worth Comparison
Total Expenses Comparison
Savings Rate (Last 12 Months)
FIRE Runway (Years of Freedom)
Javi
5.4
Years
NW: 83.183 / Exp: 15.450/yr
Ice
5.4
Years
NW: 85.812 / Exp: 15.969/yr
Asset Allocation
Investment ROI (All Time)
Javi
20.0%
Return
Gain: 7.965
Ice
0.2%
Return
Gain: 17
Expenses by Category (Comparison)
Category 2025 2026
Javi Ice Javi Ice
Amazon 532 438 81 70
Bills 197 537 121 231
Brico / DIY 77 75 0 0
Cafe 46 11 31 4
Card Fees 0 0 1 1
Entertainment 195 222 40 43
Food and Dining 694 453 271 163
Gifts & Donations 371 207 23 43
Healthcare 58 57 81 67
Home & Garden 161 241 59 85
Insurance 15 61 0 0
Interests 26 17 1 1
Internet bills 88 88 16 16
Other shopping 87 129 59 54
Rent 1.950 1.950 819 819
School 649 649 239 239
Shopping 200 611 131 128
Supermarket 824 771 258 238
Taxes 322 478 72 83
Transportation 710 643 189 158
Villa 9.295 9.295 572 572