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.
Six dimensions of capital — unified into a single number.
Assets, savings, and income streams — present-valued with tax-adjusted funded status.
Your income stream weighted by survival probability, education, and career trajectory.
Individual survival model from lifestyle behaviors, conditions, and social determinants.
Network strength through 6 transmission channels — from earnings to longevity.
Personality-driven behavioral efficiency from Big Five traits calibrated to mortality data.
Healthcare, LTC, tax, debt, dependents — the full liability side, actuarially weighted.
“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.
Start with population data. Sharpen with your answers. Verify with your accounts.
Answer four demographic questions. Your Life Capital score appears immediately with wide confidence bands.
● Estimated±30–50% per dimensionAnswer targeted questions. Each answer visibly narrows your uncertainty bands in real time.
● Refined±10–25% per dimensionLink financial accounts, health data, and professional profiles. Estimates become actuals.
● Verified±5–10% per dimensionEvery 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 →