Abstract: A method, system, and computer program product for managing employee wellness incentive programs. Some embodiments commence by accessing databases to retrieve a set of wellness program spending amount datapoints, and then organizing those datapoints into a series of successively increasing wellness program spending amounts. The wellness program spending amounts are historical amounts or prospective amounts. A calculator or predictor generates a respective series of wellness program savings amounts, wherein individual ones of the series of the wellness program savings amounts comprise at least calculated or predicted healthcare cost savings. A net benefit is determined and used as a desired wellness program spending amount. The desired wellness program spending amount is the spending amount at which point an incremental amount of additional wellness program spending results in only an equal or lesser amount of incremental calculated or predicted wellness program savings.