Analysis (📊)

Insights and progress — "what your data is telling you". The methods behind the numbers are covered in the Calculations chapter.

The screen is split into tabs: Health, FIRE, History and Insights. (You edit the main goal on the Dashboard.)

info

The FIRE tab (with Monte Carlo) and the annual return (XIRR) on the Health tab are shown in Advanced mode — switch it on in Settings (Level of detail). The default Simple mode doesn't show them.

Financial health score (0–100)

Built from your emergency buffer, savings rate, debt share, diversification and goal progress. A "Where does this score come from?" section explains each component and its weight.

An empty plan gets no score. Until there are any entries, assets or debt, the score won't show "100 in green" just for the absence of debt — instead you'll see a message with a shortcut to add your first account, and the "Financial health" chip on the Dashboard shows "—". The debt component only counts once there is something in the plan to assess; debt with no assets at all means the maximum debt level (red), not a green "no debt".

Return on investment

Below the score there are two figures: total gain (absolute, in zł) and annual return — a true money-weighted (XIRR) figure that accounts for how much you paid in and when. It's a single number for "how much you really earn per year". It needs a few months of history — before that we show "—". Details: How we calculate.

Monthly history

A List / Chart toggle:

• a list with income, amount saved, costs and savings rate,
• a bar chart (income · saved · costs, side by side).

FIRE

A full financial-independence screen, calculated from the investment lens (accounts + cash + rental — your car / primary home don't fund retirement):

• Coast FIRE (the main, motivating one): how much you need to have today so that, without adding any more, your capital grows to the retirement target — with % progress and an amount (when a date of birth is provided).
• Freedom amount (FIRE number) = annual expenses ÷ SWR, minus fixed post-FIRE income (ZUS, rental, part-time — an editable list), plus a multiplier (×).
• Years to freedom and the age you'll reach it at your current contribution pace.
• Levels: Lean / Full / Fat (different spending levels → different targets).
• Live assumptions: an SWR slider (3 / 3.5 / 4%), annual expenses, freedom age.
• Simulations and taxes: probability of success (Monte Carlo), effective after-tax SWR (IKE 0 / IKZE 10% / regular 19%), and a "+500 zł/mo → free sooner" scenario.
• In-context explanations: every concept (FIRE, Coast, Lean/Full/Fat, SWR, freedom amount) with a definition and a figure calculated from your own data.

This is an educational tool, not investment advice — you enter the assumptions yourself. Formulas: How we calculate.

Wealth timeline

A net-worth projection across the years (e.g. 2026 → 2030 → 2040), with a summary of the months you've entered.

Insights (rules)

Automatic tips: emergency buffer, savings rate, debt share, portfolio concentration, % FIRE, loan payoff date, savings trend. The same rules power your notifications.