Personal ALM · Actuarially Grounded

How much
room
do you have?

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

The Problem

Most tools only see half your life.

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.

Traditional net worth
Savings
Investments
Real estate
Health impact
Behavioral drag
Social resilience
Life Capital
Financial buffer
Earning capacity
Health multiplier
Relationship resilience
Decision quality
All obligations
How It Works

Start in 90 seconds.

Three levels of precision. Begin with almost nothing. Sharpen as you go.

01
Estimated

Quick Start

90 seconds

Answer four questions. Actuarial tables fill the rest. Your Life Capital score appears immediately.

±30–50% uncertainty per dimension
02
Refined

Sharpen

5 minutes

Answer targeted follow-up questions. Each answer visibly narrows your confidence bands.

±10–25% uncertainty per dimension
Coming Soon
03
Verified

Connect

Later

Link financial accounts and health data. Estimates become actuals.

±5–10% uncertainty per dimension
Methodology

Built on evidence.

Every parameter traces back to peer-reviewed research. No proprietary black boxes. No arbitrary assumptions without documented sensitivity ranges.

104
Tests passing
math engine
309K
Study participants
Holt-Lunstad 2010
24M
Workers studied
Jedwab 2023 AEJ
14
Risk factors
individual survival model

Know your margin.

Privacy by architecture. Descriptive, not prescriptive. Calm over urgency.

Build Your Life Capital →

No account required · 90 seconds to first score