Calculations

All analysis is rule-based (no LLM), pure and covered by tests.

Net worth

portfolio (investments) + off-portfolio assets (real estate, cash) − debt (loans)

Assets and positions held in a foreign currency are converted to PLN at the current NBP rate (table A); the conversion refreshes when the app starts, and the rest of the calculations then work in PLN.

Savings rate

The average over recent months that had income: contributions / income.

Financial health score (0–100)

A weighted blend of components:

Component	What it measures	Weight
Buffer	months of expenses in reserve (target 6)	25%
Savings rate	against a 20% target	20%
Debt	the lower the debt share, the better	15%
Diversification	1 − the portfolio's Herfindahl index	15%
Goals	average goal progress	10%

The score is the sum of value × weight, normalised to the available components.

FIRE

• FIRE number = 25 × annual expenses (cost of living × 12).
• % FIRE = investment assets / FIRE number.
• SWR = a safe 4% annual withdrawal (monthly /12).
• Lean / Full / Fat milestones (15× / 25× / 33× annual expenses).
• Coast FIRE — computed from your birth date (to age 60, ~5% real return).

Value projection

Future value = target contributions + compounding at the annual rate assumed per position (e.g. ETF and Adam's IKE 8%, EDO 5.5%, ROS and COI 5.25%, PPK 6%). For ETFs the value is net of the 19% capital-gains tax. Debt is reduced by planned overpayments (conservatively, ignoring interest).

Insights

The rules generate tips with a severity of good / info / warn: loan payoff, savings-rate trend, buffer, debt share, portfolio concentration (and crypto risk), % FIRE. The same rules power your notifications.