Everything you'll ever earn, save, and build — minus everything your life will cost. Projected year by year, for your specific situation. One number. Complete clarity.
No credit card required · 90-second setup · Your data stays yours
Nobody owes you retirement. Nobody owes you security. But you deserve the tools to build both. Ledger Life shows you where you actually stand — not just your bank account, but your entire life position — so you can make decisions with your eyes open.
Your financial advisor sees your portfolio. Your doctor sees your vitals. Nobody sees how your health, earning power, relationships, and costs interact — all at once, in one place. That's what Life Capital does.
We show you the tradeoffs. We never tell you what to do. Change your spending, your career, your health habits — and watch exactly how it moves the needle. Every lever is visible. Every consequence is quantified. What you do with it is yours.
How It Works
Every data point you add tightens the confidence interval. Start rough, sharpen over time.
~90 seconds
Income, age, savings rate, living situation. We estimate your Life Capital from public actuarial tables and default assumptions.
Wide confidence interval — but still useful.
~5 minutes
Link financial accounts, add property values, input health markers. Each data point narrows uncertainty and sharpens your score.
Confidence tightens with every input.
Ongoing
See how life events — raises, health changes, new obligations — shift your total margin. Full attribution on every move.
Highest fidelity. Full audit trail.
Life Capital adds up everything you'll ever earn, save, and grow — then subtracts everything your life will cost, from rent to healthcare to taxes to raising kids. It projects this year by year, accounting for the probability that you'll be alive and healthy at each age. The result: how much room you have, in dollars and years.
Six Dimensions
Your savings, investments, and retirement accounts — plus what you'll save going forward. Adjusted for taxes and how easily you can actually access it.
The total value of every future paycheck — adjusted for your industry, education, career trajectory, and how long you'll be able to work. Usually your biggest asset when you're young.
Your personal life expectancy built from 18 factors — not a national average. Exercise, diet, smoking, conditions, and where you live all shift your timeline and your costs.
Strong relationships boost your income, soften financial shocks, and extend your life. We measure close bonds, professional networks, and community involvement.
Your habits shape how efficiently you turn income into wealth. Investment decisions, career growth, health maintenance, spending discipline — four channels that compound over decades.
Everything you're on the hook for — healthcare, housing, food, taxes, debt, kids, insurance, and more. 15 categories, all adjusted for your age, income, and household. Projected every year.
We project your life forward year by year — from today until the end. Every year, we estimate what comes in and what goes out, adjusted for the likelihood you'll be alive and healthy. Then we add it all up in today's dollars.
Your savings, investments, retirement accounts, and what you'll save in the future. Cash in hand is worth more than cash locked in a 401k — we account for that.
The total value of your future paychecks — adjusted for your industry, education, how fast your income will grow, and how long you'll be working. This is usually your single biggest asset, especially when you're young.
Your personal life expectancy based on 18 factors — exercise, smoking, diet, chronic conditions, where you live. Not a national average. Yours. Quitting smoking alone adds about 4 years. Eating well adds 3.7.
Strong relationships boost your earnings, cushion financial shocks, and literally extend your life. We measure close bonds, professional networks, and community ties. People with less money get even more benefit from strong relationships.
Your habits and personality shape how efficiently you convert income into wealth. Four channels: investment decisions, career growth, health maintenance, and spending discipline. Without a personality assessment, we assume average — no penalty, no bonus.
Everything you're on the hook for: healthcare, housing, food, transportation, taxes, debt payments, kids, insurance, and more — 15 categories total. All adjusted for your age, income, and household size. Projected every year until the end.
Retirement isn't a birthday. It's the point where you no longer need to earn — where everything you have covers everything your life will cost, with room to spare, even in a bad scenario.
Most tools ask “can I retire at 65?” That picks an arbitrary age and hopes the money lasts. We flip the question: given your current trajectory, when is the earliest point where your income becomes optional?
Save more — the point moves closer. Get healthier — your costs drop and your timeline extends. Change careers — your earning curve shifts. Every decision you make moves the line. We just show you where it is.
No black boxes. No proprietary formulas. Every number in your score traces back to published research with a citation and a date. You can check our work.
Build My Life Capital →No account required · 90 seconds · Runs on your device