Biological Credit Score Estimator
Healthspan-Indexed Credit 2026
Your biological age now determines creditworthiness. Estimate BCS to see healthspan stability, metabolic efficiency, and 120-year borrowing power impact.
Tool #5 of the Algorithmic Survival Hub. Biological Pillar anchor: 4/4 Pillars now LIVE. Part of 118+ free tools.
Biological Credit Score Calculator
Enter your biomarkers, lifestyle signals, and recovery metrics. Calculate your Biological Credit Score.
Regenerative Therapy
NAD+, peptides, hyperbaric, or similar longevity interventions
Chronological Age
42 yearsYour actual calendar age
Biological Age
47 yearsFrom DNA methylation, GlycanAge, or bio-age test (estimate if unknown)
Resting Heart Rate
68 bpmMorning resting heart rate (lower = better cardiovascular fitness)
VO2 Max
38 ml/kg/minMaximal oxygen uptake -- gold standard of cardiorespiratory fitness
Sleep Stability
3/5Sleep quality and consistency (1=poor fragmented, 5=excellent deep sleep)
Stress Load
4/5Chronic stress burden (1=minimal, 5=severe chronic stress)
Recovery Capacity
2/5How quickly you bounce back from physical/mental stress (1=slow, 5=rapid)
Metabolic Stability
3/5Blood sugar control, inflammation markers, metabolic health (1=poor, 5=optimal)
Lifestyle Consistency
3/5Exercise routine, nutrition, and health habits consistency (1=chaotic, 5=dialed)
BCS
100/100
Tier
EXCELLENT
Bio Delta
+5 yrs
120yr Power
High
Biological Credit Score -- Frequently Asked Questions
What is a Biological Credit Score?
A Biological Credit Score (BCS) estimates creditworthiness based on biological age markers rather than just chronological age. It combines bio-age delta, healthspan stability, metabolic efficiency, and regenerative therapy status to project 120-year borrowing power -- the emerging frontier of longevity finance.
How does biological age affect credit?
Biological age determines actual physiological health and expected healthspan. A person who is chronologically 42 but biologically 47 faces higher long-term risk than someone biologically 37. As insurers and lenders adopt biological underwriting, this delta directly impacts credit terms, insurance rates, and 120-year financial products.
What are healthspan stability factors?
Healthspan stability combines sleep quality, stress load, recovery capacity, and lifestyle consistency. These four factors determine how quickly your body repairs itself and maintains function. High healthspan stability means your biological credit line extends further because the body maintains peak function longer.
How is metabolic efficiency calculated?
Metabolic efficiency combines VO2 Max (maximal oxygen uptake -- the gold standard of cardiorespiratory fitness) and resting heart rate into a composite score. Higher VO2 Max and lower resting HR indicate superior cardiovascular health, which is the single strongest predictor of biological age and longevity credit.
How can I improve my BCS?
The highest-ROI interventions: Zone 2 cardiovascular training (150 min/week) to boost VO2 Max, daily stress reduction (breathwork + cold exposure), sleep optimization (fixed schedule, 65-68F room temp), and regenerative therapy (NAD+, peptides) for the +12 BCS bonus. Most people can improve 10-15 BCS points in 90 days.
How do CDIR, ACS, CBBP, HDRS, and BCS connect?
These five tools form the complete Algorithmic Survival diagnostic across 4 pillars. CDIR (Compute Debt), ACS (Agentic Credit), and CBBP (GPU Collateral) cover the Compute Pillar. HDRS (Hype Debt) anchors Economic Survival. BCS (Biological Credit) completes the Biological Pillar. Together they map human + machine creditworthiness.
What is the regenerative therapy bonus?
The regenerative therapy bonus (+12 BCS points) applies when you are actively using evidence-based longevity interventions like NAD+ infusions, peptide therapy, hyperbaric oxygen, or similar treatments. This is the only binary input that produces an immediate score jump, reflecting the real-world impact of proactive biological investment.
What are 120-year credit implications?
As longevity science extends healthspan toward 120+ years, financial products will need to underwrite across unprecedented timeframes. Your BCS projects borrowing power across this extended horizon. High BCS means access to 120-year mortgages, longevity bonds, and healthspan-indexed insurance products being developed now.