Everything you'll ever earn, save, and build — minus everything your life will cost. Projected year by year, for your specific situation. One number. Complete clarity.
No credit card required · 90-second setup · Your data stays yours
Nobody owes you retirement. Nobody owes you security. But you deserve the tools to build both. Ledger Life shows you where you actually stand — not just your bank account, but your entire life position — so you can make decisions with your eyes open.
Your financial advisor sees your portfolio. Your doctor sees your vitals. Nobody sees how your health, earning power, relationships, and costs interact — all at once, in one place. That's what Life Capital does.
We show you the tradeoffs. We never tell you what to do. Change your spending, your career, your health habits — and watch exactly how it moves the needle. Every lever is visible. Every consequence is quantified. What you do with it is yours.
How It Works
Every data point you add tightens the confidence interval. Start rough, sharpen over time.
~90 seconds
Income, age, savings, living situation, health basics. We estimate your Life Capital and retirement readiness age (t*) from actuarial tables and population data.
Wide confidence interval — but still useful.
~5 minutes
Add financial detail, health markers, social connections, compensation structure, and personality traits. Each data point narrows uncertainty and moves t*.
Confidence tightens with every input.
Ongoing
See how life events — raises, health changes, new obligations — shift your retirement readiness. Full attribution on every move. Connected accounts coming soon.
Highest fidelity. Full audit trail.
Life Capital adds up everything you'll ever earn, save, and grow — then subtracts everything your life will cost, from rent to healthcare to taxes to raising kids. It projects this year by year, accounting for the probability that you'll be alive and healthy at each age. The headline: the earliest age where your income becomes optional — your t*.
Four Dimensions + Obligations
Your savings, investments, retirement accounts, and home equity — plus what you'll save going forward. Discounted at the AA corporate yield curve, term-matched by maturity.
The total value of every future paycheck — adjusted for your industry, education, age, geography, and career trajectory. Income mean-reverts toward your conditional median. Usually your biggest asset when you're young.
Your personal life expectancy from an 18-factor Gompertz survival model — not a national average. Your healthspan determines when earning stops. Health also modifies income capacity and healthcare costs.
Strong relationships boost your income, soften financial shocks, and extend your life. Close bonds, professional networks, and community involvement — all with dollar-valued impact through research-backed channels.
Everything you're on the hook for — healthcare, housing, food, transportation, taxes, debt, kids, college, insurance, and long-term care. 15+ categories built from BLS data, projected every year.
Your personality and habits modify flows across all four dimensions — investment decisions, career growth, health maintenance, spending discipline. Optional Big Five assessment; neutral by default. Not a separate bucket — embedded in everything.
We project your life forward year by year — from today until the end. Every year, we estimate what comes in and what goes out, adjusted for the likelihood you'll be alive and healthy. Then we add it all up in today's dollars.
Your savings, investments, retirement accounts, home equity, and what you'll save going forward. Discounted at the AA corporate yield curve, term-matched by maturity. Portfolio returns reflect institutional capital market assumptions updated quarterly.
The total value of your future earnings — adjusted for your industry, education, age, geography, and career trajectory. Income mean-reverts toward your age×sector×state conditional median. Usually your biggest asset when you're young.
Your personal life expectancy built from 18 risk factors via a Gompertz-Makeham survival model — not a national average. Your healthspan determines when earning capacity ends. Health also modifies income utilization and healthcare costs.
Strong relationships boost your earnings, cushion financial shocks, and extend your life. Close bonds, professional networks, and community involvement all have dollar-denominated impact on your Life Capital through research-backed transmission channels.
Everything you're on the hook for: healthcare, housing, food, transportation, taxes, debt payments, kids, college, insurance, and long-term care — 15+ categories. All built from BLS Consumer Expenditure data, adjusted for your age, income, household size, and projected year by year.
Your personality and habits shape how efficiently you convert income into wealth. Four channels — investment decisions, career growth, health maintenance, spending discipline — modify the flows in every other dimension. Optional Big Five assessment; neutral by default.
Retirement isn't a birthday. It's the point where you no longer need to earn — where everything you have covers everything your life will cost, with room to spare, even in a bad scenario.
Most tools ask “can I retire at 65?” That picks an arbitrary age and hopes the money lasts. We flip the question: given your current trajectory, when is the earliest point where your income becomes optional?
Save more — the point moves closer. Get healthier — your costs drop and your timeline extends. Change careers — your earning curve shifts. Every decision you make moves the line. We just show you where it is.
No black boxes. No proprietary formulas. Every number in your score traces back to published research with a citation and a date. You can check our work.
Build My Life Capital →No account required · 90 seconds · Runs on your device