LEDGER LIFE

How much
room do
you have?

Life Capital measures the distance between the resources you have and the obligations your life imposes — now and in the future.

Not your net worth. Not your credit score. Your margin.

Build Your Life Capital →How it works ↓

A complete picture

Six dimensions of capital — unified into a single number.

⬡

Financial Buffer

Assets, savings, and income streams — present-valued with tax-adjusted funded status.

▲

Earning Capacity

Your income stream weighted by survival probability, education, and career trajectory.

◑

Health Multiplier

Individual survival model from lifestyle behaviors, conditions, and social determinants.

⬡

Relationship Resilience

Network strength through 6 transmission channels — from earnings to longevity.

⚡

Decision Quality

Personality-driven behavioral efficiency from Big Five traits calibrated to mortality data.

▽

Committed Outflows

Healthcare, LTC, tax, debt, dependents — the full liability side, actuarially weighted.

What it measures

  • Financial capacity
  • Health & longevity
  • Earning capacity
  • Relationships
  • All obligations

How it works

  • 90 seconds → first score
  • Answer more → precision
  • Connect accounts → actuals
  • Everything in dollars
  • and time

What it doesn't do

  • Tell you what to value
  • Moralize about choices
  • Compare you to others
  • Sell your data. Ever.
“Freedom is not wealth. Freedom is margin. Margin absorbs shocks. Margin enables change. Margin creates optionality.”

Life Capital measures margin — not status, not aspiration, not achievement.

Three levels of precision

Start with population data. Sharpen with your answers. Verify with your accounts.

①

Quick Start

~90 seconds

Answer four demographic questions. Your Life Capital score appears immediately with wide confidence bands.

● Estimated±30–50% per dimension
②

Sharpen

~5 minutes

Answer targeted questions. Each answer visibly narrows your uncertainty bands in real time.

● Refined±10–25% per dimension
Coming Soon③

Connect

Later

Link financial accounts, health data, and professional profiles. Estimates become actuals.

● Verified±5–10% per dimension

Built on evidence.

Every number traces back to peer-reviewed research — actuarial life tables, healthcare surveys, behavioral economics, and social capital research covering hundreds of millions of people.

Build Your Life Capital →