Javi VS Ice Report

CONTRIBUTION (Avg monthly costs)
Average Monthly Expenses (L12M)
415 €
Target Amount to Cover (Excluding: House, Transfers, Investments)
With Bonus
Javi
240
57.8%
Ice
175
42.2%
Target: Both contribute 57.0% of their monthly income
Without Bonus
Javi
240
57.9%
Ice
175
42.1%
Target: Both contribute 62.4% of their monthly income
CONTRIBUTION (Avg fixed costs)
Average Fixed Costs (L12M)
270 €
Excluding: House, Shopping, Food, Entertainment, Transfers, Investments
With Bonus
Javi
156
57.8%
Ice
114
42.2%
Target: Both contribute 37.2% of their monthly income
Without Bonus
Javi
157
57.9%
Ice
114
42.1%
Target: Both contribute 40.7% of their monthly income
Payroll Trajectory
Detailed Payroll Comparison
Year / Month Javi Ice Combined
2026
Fixed: 2.540 € 3.334 € 1.945 € Total: 7.819 €
Fixed: 1.521 € 995 € Total: 2.516 €
10.335 €
June
716 €
-
716 €
May
455 € 3.334 €
492 €
4.282 €
April
341 €
258 €
599 €
March
341 €
254 €
595 €
February
1.945 € 340 €
995 € 258 €
3.539 €
January
346 €
259 €
605 €
2025
Fixed: 5.389 € Total: 5.389 €
Fixed: 3.880 € Total: 3.880 €
9.270 €
December
649 €
535 €
1.185 €
November
310 €
257 €
567 €
October
310 €
257 €
568 €
September
310 €
277 €
587 €
August
310 €
257 €
568 €
July
305 €
257 €
562 €
June
655 €
523 €
1.178 €
May
266 €
233 €
499 €
April
266 € 188 €
233 €
687 €
March
541 € 266 €
233 €
1.041 €
February
735 €
233 €
968 €
January
275 €
584 €
860 €
2024
Fixed: 5.768 € 502 € Total: 6.269 €
Fixed: 6.093 € 702 € Total: 6.795 €
13.064 €
December
481 €
2.066 €
2.547 €
November
482 €
363 €
845 €
October
482 €
363 €
845 €
September
482 €
363 €
845 €
August
484 €
368 €
852 €
July
484 €
368 €
852 €
June
484 €
368 €
852 €
May
484 €
368 €
852 €
April
484 €
367 €
851 €
March
484 €
368 €
852 €
February
455 € 502 €
363 € 702 €
2.022 €
January
484 €
368 €
852 €
2023
Fixed: 6.014 € Total: 6.014 €
Fixed: 4.020 € 1.079 € Total: 5.099 €
11.113 €
December
478 €
366 €
843 €
November
479 €
366 €
845 €
October
479 €
366 €
845 €
September
479 €
366 €
845 €
August
479 €
366 €
845 €
July
479 €
366 €
845 €
June
479 €
365 €
845 €
May
479 €
365 €
844 €
April
479 €
365 €
844 €
March
450 €
365 €
815 €
February
803 €
1.079 €
1.882 €
January
448 €
365 €
813 €
2022
Fixed: 5.890 € Total: 5.890 €
Fixed: 4.117 € Total: 4.117 €
10.007 €
December
444 €
360 €
804 €
November
425 €
357 €
782 €
October
453 €
362 €
815 €
September
463 €
372 €
835 €
August
453 €
362 €
815 €
July
458 €
366 €
824 €
June
452 €
361 €
813 €
May
471 €
361 €
832 €
April
434 €
380 €
814 €
March
536 € 434 €
328 €
1.299 €
February
432 €
328 €
760 €
January
435 €
180 €
615 €
2021
Fixed: 4.380 € Total: 4.380 €
Fixed: 2.799 € Total: 2.799 €
7.179 €
December
469 €
207 €
676 €
November
432 €
363 €
795 €
October
306 €
207 €
513 €
September
306 €
207 €
513 €
August
306 €
207 €
513 €
July
312 €
207 €
518 €
June
312 €
200 €
512 €
May
312 €
200 €
512 €
April
712 €
403 €
1.115 €
March
312 €
200 €
512 €
February
309 €
200 €
510 €
January
292 €
200 €
492 €
Net Worth Comparison
Total Expenses Comparison
Savings Rate (Last 12 Months)
FIRE Runway (Years of Freedom)
Javi
5.9
Years
NW: 45.042 / Exp: 7.661/yr
Ice
5.5
Years
NW: 41.957 / Exp: 7.590/yr
Asset Allocation
Investment ROI (All Time)
Javi
23.0%
Return
Gain: 5.010
Ice
2.5%
Return
Gain: 85
Expenses by Category (Comparison)
Category 2025 2026
Villa
4.469 € 4.469 € Total: 8.938 €
413 € 413 € Total: 825 €
Rent
938 € 938 € Total: 1.875 €
550 € 550 € Total: 1.100 €
Supermarket
397 € 371 € Total: 768 €
207 € 137 € Total: 343 €
School
312 € 312 € Total: 624 €
186 € 186 € Total: 372 €
Transportation
341 € 309 € Total: 651 €
135 € 102 € Total: 237 €
Food and Dining
334 € 218 € Total: 552 €
200 € 84 € Total: 284 €
Shopping
96 € 294 € Total: 390 €
102 € 184 € Total: 287 €
Amazon
256 € 211 € Total: 466 €
91 € 39 € Total: 130 €
Bills
95 € 258 € Total: 353 €
69 € 128 € Total: 197 €
Taxes
155 € 230 € Total: 384 €
34 € 43 € Total: 77 €
Gifts & Donations
178 € 100 € Total: 278 €
23 € 56 € Total: 79 €
Home & Garden
77 € 116 € Total: 193 €
52 € 53 € Total: 105 €
Entertainment
94 € 107 € Total: 201 €
65 € 29 € Total: 93 €
Other shopping
42 € 62 € Total: 103 €
49 € 32 € Total: 81 €
Healthcare
28 € 27 € Total: 56 €
86 € 40 € Total: 126 €
Internet bills
42 € 42 € Total: 85 €
11 € 11 € Total: 22 €
Brico / DIY
37 € 36 € Total: 73 €
0 € 0 € Total: 0 €
Insurance
7 € 29 € Total: 36 €
8 € 27 € Total: 36 €
Cafe
22 € 5 € Total: 27 €
23 € 4 € Total: 26 €
Interests
12 € 8 € Total: 20 €
0 € 0 € Total: 1 €
Card Fees
0 € 0 € Total: 0 €
0 € 0 € Total: 1 €