Life Capital is the distance between what you have and what your life costs — across every dimension that actually matters. Not just your portfolio. Your margin.
90 seconds to your first score · Computation runs on your device · No account required
Net worth calculators ignore health. Financial plans ignore relationships. Retirement tools ignore behavioral patterns.
Life Capital is the first framework to treat your life as a balance sheet — with actuarially grounded components on both sides.
Three levels of precision. Begin with almost nothing. Sharpen as you go.
Answer four questions. Actuarial tables fill the rest. Your Life Capital score appears immediately.
Answer targeted follow-up questions. Each answer visibly narrows your confidence bands.
Link financial accounts and health data. Estimates become actuals.
Every dimension transmits through capital, time, or discount rate. Nothing is decorative.
Assets, savings, and income streams — survival-probability-weighted.
Human capital APV weighted by individual survival curve.
14 risk factors shift your personal survival curve and all present values.
6 transmission channels from earnings enhancement to longevity.
Big Five behavioral efficiency calibrated to mortality hazard ratios.
Healthcare, LTC, tax, debt, dependents — actuarially discounted.
Every parameter traces back to peer-reviewed research. No proprietary black boxes. No arbitrary assumptions without documented sensitivity ranges.
Privacy by architecture. Descriptive, not prescriptive. Calm over urgency.
Build Your Life Capital →No account required · 90 seconds to first score