Life Capital measures the distance between the resources you have and the obligations your life imposes — across every dimension that actually matters. Not just your portfolio. Your margin.
90 seconds · No account required · Computation runs on your device
Net worth calculators ignore health. Financial plans ignore relationships. Retirement tools ignore behavioral patterns. You end up with a portfolio number — not a picture of your actual margin.
Life Capital includes all of these. Traditional tools include 2.
Three levels of precision. Begin with almost nothing.
Four demographic questions. Actuarial tables fill the rest. Your Life Capital score appears immediately.
Answer targeted questions ranked by uncertainty reduction. Watch your confidence bands narrow in real time.
Link financial accounts, health data, and professional profile. 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.
No proprietary black boxes. No arbitrary assumptions without documented sensitivity ranges. Every parameter traces back to peer-reviewed research.
Build My Life Capital →No account required · 90 seconds · Runs on your device