Wellness Spend ROI Calculator
Compare fitness and nutrition spend against monetized sick-day wages and medical savings over several years. Planning estimate only — not medical advice.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
Spend vs Benefit
Click chart to expand
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Optimistic assumptions
At stated inputs
Pessimistic assumptions
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Net Value across its full range. Sick Days/Year has the biggest impact.
Focus your attention on Sick Days/Year — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome shifts meaningfully with your assumptions. Sensible, but revisit the key inputs.
Net Value: -€3,360 (worst) → -€2,800 (expected) → -€2,380 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
See whether wellness spending on fitness and nutrition is offset by assumed sick-day and medical savings.
How the calculation works
We sum monthly fitness and nutrition spend over years, then subtract that from sick days × daily wage × years plus annual medical savings.
Formula
Net = (SickDays×DailyWage + MedicalSave)×Years − (Fitness + Nutrition)×12×Years ROI = Net ÷ Spend
Example
€50 fitness + €80 nutrition monthly for 5 years vs 3 sick days at €200 and €400 medical save/year shows whether the habit pays financially under your assumptions.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Wellness Spend ROI Calculator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
We sum monthly fitness and nutrition spend over years, then subtract that from sick days × daily wage × years plus annual medical savings.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: €50 fitness + €80 nutrition monthly for 5 years vs 3 sick days at €200 and €400 medical save/year shows whether the habit pays financially under your assumptions.
Factors to Consider
- Benefits are assumptions, not guarantees
- Employer sick-pay policies vary
- Non-financial gains still matter
- Consistency drives outcomes
Common Mistakes
- Treating correlation as causation
- Ignoring already-paid gym in other budgets
- Overstating sick days avoided
Frequently Asked Questions
Is this medical advice?+
No. It is a budget scenario using your assumed sick-day and medical savings figures.
What daily wage should I use?+
Use take-home daily pay, or the value of a lost workday if unpaid. Salaried workers may use opportunity cost instead.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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