120-Year Credit Line Planner
Longevity-Indexed Borrowing Power 2026
Your financial life doesn't end at 65. Model borrowing power, solvency curves, and credit limits across 120 years using biological age, BCS, and healthspan stability.
120-Year Credit Line Model
12 inputs. Longevity-indexed. Instant solvency curves.
Frequently Asked Questions
What is 120-year credit planning?
Financial modeling that extends borrowing power, solvency curves, and credit limits across human longevity (100-120 years) using biological age and healthspan data rather than the traditional 65-year retirement assumption.
How does biological age affect credit?
Younger biological age = higher long-term credit capacity. Each year of biological advantage expands borrowing power 8-12% through age 100+. Conversely, accelerated aging compresses credit limits by 2-5% per drift year.
What is biological age drift?
The gap between chronological age and biological age that widens with lifestyle, disease, or longevity interventions. Positive drift (bio > chrono) compresses future credit limits; negative drift (bio < chrono) expands them.
What is the solvency curve?
A visual projection of your net financial solvency from current age through 120, factoring in income trajectory, savings rate, debt load, and biological age drift. The curve shows when and if your finances collapse under longevity stress.
How do longevity tiers work?
ADVANTAGED (80+): Strong bio-credit profile with expanding limits through 115+. STABLE (60-79): Solid trajectory with some biological drift risk. FRAGILE (40-59): Vulnerable to solvency collapse after 90. CRITICAL (<40): Immediate intervention required.
What is regenerative therapy impact?
Regenerative therapy access (gene therapy, NAD+, senolytics) reduces biological drift by 1.5% annually, potentially extending Advantaged tier by 15-25 years and expanding lifetime credit capacity by 20-35%.
How does this connect to BCS?
The 120-Year Credit Line Planner uses your Biological Credit Score (BCS) as a primary input. Higher BCS directly increases the longevity stability score, which multiplies your credit limit and reduces collapse probability.
How often should I re-plan?
Run the 120-year planner quarterly to track solvency trajectory changes. Re-run after any major life event (career change, health diagnosis, therapy start). The 90-day optimization plan includes built-in re-planning checkpoints.