Your full financial picture — earning power, health, relationships, obligations — unified into one dollarized metric. Know your margin, not just your balance.
No credit card required · 90-second setup · Your data stays yours
Ledger Life exists because no tool looks at the whole picture. Financial advisors see your portfolio. Doctors see your vitals. Nobody sees the interaction between your health, your earning power, your relationships, and your obligations — all at once, in a single framework.
We built Life Capital to be descriptive, not prescriptive. It measures your margin — the room you have. It does not tell you what to value, moralize about your choices, or try to sell you anything. Your data stays on your device. The math is open. The uncertainty is honest.
How It Works
Every data point you add tightens the confidence interval. Start rough, sharpen over time.
~90 seconds
Income, age, savings rate, living situation. We estimate your Life Capital from public actuarial tables and default assumptions.
Wide confidence interval — but still useful.
~5 minutes
Link financial accounts, add property values, input health markers. Each data point narrows uncertainty and sharpens your score.
Confidence tightens with every input.
Ongoing
See how life events — raises, health changes, new obligations — shift your total margin. Full attribution on every move.
Highest fidelity. Full audit trail.
Life Capital combines financial assets, earning capacity, health, relationships, and behavioral efficiency on the asset side — and healthcare, long-term care, debt, taxes, and dependents on the liability side. The result: your margin, in dollars and time.
Six Dimensions
Liquid assets, investments, and reserves. How long can you sustain your current life without income?
Present value of future earnings — adjusted for industry, tenure, skill trajectory, and optionality.
A 0–1 index that scales your financial projections by expected healthspan and functional capacity.
Social capital as economic infrastructure — support networks, household synergies, professional connections.
Behavioral multiplier on your growth rate. Consistency, risk management, and cognitive edge compound over time.
Present value of all obligations — debt service, dependents, contractual commitments, and recurring costs.
Your Life Capital starts with a simple formula. Each component is estimated from peer-reviewed research, then combined:
Your savings, investments, retirement accounts, and future savings — adjusted for taxes and liquidity. A dollar in cash is worth more than a dollar locked in a 401k.
The present value of your future income. It accounts for how long you'll work, how fast your income grows, and the probability that you'll be alive and healthy enough to earn it.
A 0-to-1 score based on your lifestyle (exercise, smoking, diet), chronic conditions, and social determinants. It multiplies everything else — poor health reduces your entire balance sheet.
Strong relationships increase earnings, reduce volatility, and extend lifespan. We measure close bonds, professional networks, and community involvement across 6 channels.
How efficiently you convert capital into outcomes. Based on your Big Five personality traits. High conscientiousness + low neuroticism = better financial and health decisions.
Everything your life costs: healthcare, long-term care, taxes, debt payments, and dependents. All calculated as present values using standard actuarial methods.
No proprietary black boxes. Every parameter cites a peer-reviewed source with a last-review date.
Build My Life Capital →No account required · 90 seconds · Runs on your device