Ledger Life

Your life has a balance sheet.

Financial capital is only part of the picture. Ledger Life unifies your financial, human, health, social, and behavioral position into a single dollarized metric — Life Capital.

Six dimensions. One score.

Financial Capital

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

Human Capital

Earning power over your remaining career — education, skills, geography.

Health Capital

Vitality index from lifestyle behaviors, conditions, and social determinants.

Social Capital

Network strength — bonds, bridges, civic ties — with 6 transmission channels.

Behavioral Beta

Personality-driven efficiency from Big Five traits — 4 channels calibrated to mortality data.

Obligations

Healthcare, LTC, tax, debt, dependents — the full liability side of your balance sheet.

How it works

Answer 12 questions

90 seconds. Demographics, income, health basics.

Get your score

All computation runs on your device. Nothing transmitted.

Sharpen over time

Add detail, take the personality assessment, link accounts.

The formula

LC(t) = [F×β_f + H×β_c + RE + S] × (θ×β_h) − O

Every coefficient is derived from peer-reviewed research across 6 academic tracks. No black boxes. Full attribution on every score change.

Know your number.

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