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×βf + H×βc + RE + S] × (θ×βh) − O
Every coefficient is derived from peer-reviewed research across 6 academic tracks. No black boxes. Full attribution on every score change.