A simple annual checkup that brings your labs, function, fitness, and financial health into one meaningful dashboard.
Your Annual Checkup for Aging Well—In Body, Mind, and Money.
Healthy aging isn’t just about how long you live—it’s about how well you’re living and whether your money and health are moving in the same direction. This yearly checkup brings your finances, biomarkers, functional capacity, and future planning into one simple, evidence-based dashboard.
With this tool you can:
Calculate your net worth and track how it changes year over year
Monitor key healthspan labs like glucose, blood pressure, apoB, hs-CRP, kidney function (creatinine, cystatin C, eGFR, ACR), and CAC (if you’ve had it checked)
Track muscle and body composition more accurately with Skeletal Muscle Mass Index (SMMI) and Fat-Free Mass Index (FFMI)—a meaningful upgrade from BMI
Assess physical function with gait speed, chair stands, grip strength, and the 6-minute walk test (6MWT)—powerful predictors of independence and long-term health
Keep an eye on fitness and brain health with VO₂max (if available) plus simple year-to-year ratings of memory and mood
Review health behaviors and preventive care, including smoking, alcohol use, and age- and sex-appropriate cancer and bone health screenings
Confirm the “What Matters Most” essentials like MPOA, DPOA, estate planning, MOST/POLST, and communicating your wishes with your decision-makers
Download a PDF copy each year to bring to appointments or store in your personal health records
Use this as your personal dashboard for aging well.
This is an educational tool only. It does not diagnose medical conditions or provide financial advice—but it can help you recognize trends, set better goals, and make more intentional decisions about your future.
Wealthspan Checkup: Your Net Worth, Once a Year
This is your yearly financial snapshot. Add up what you own (assets), subtract what you owe (liabilities), and compare to last year to see if you’re moving in the direction you want.
Assets (What You Own)
| Asset Category | Amount ($) |
|---|---|
| Cash & Checking | |
| Savings & Money Market | |
| Taxable Investments (Brokerage) | |
| Retirement – 401(k) / 403(b) / TSP / 457(b) | |
| Retirement – Traditional IRA | |
| Retirement – Roth IRA | |
| Retirement – Roth 401(k) / 403(b) / TSP / 457(b) | |
| HSA (Health Savings Account) | |
| Real Estate – Primary Home | |
| Real Estate – Other | |
| Business Equity | |
| Other Assets |
Liabilities (What You Owe)
| Liability Category | Amount ($) |
|---|---|
| Mortgage(s) | |
| Student Loans | |
| Auto Loans | |
| Credit Card Debt | |
| Personal / Other Loans |
This net worth tracker is for educational purposes only and does not constitute financial advice.
Healthspan Checkup: How Your Health Is Aging
Once a year, enter last year’s numbers and this year’s numbers. The arrows show whether each area is moving in a healthier direction, and your Healthspan Score summarizes your overall trend.
↑ Improved – moved in a healthier direction compared with last year
↓ Worsened – moved in a less healthy direction
→ No change – stayed about the same
Healthspan Score (0–21) – counts how many measures improved across 5 domains: Metabolic, Heart & Vessels, Kidney Health, Physical Function, and Cognition & Mood. It’s a trend summary, not a diagnosis.
Your age and sex help determine which preventive screenings are typically recommended and are used to estimate eGFR from creatinine and cystatin C. Some items will be greyed out if they don’t usually apply to you.
1. Metabolic: Blood Sugar, Blood Pressure & Body Composition
These numbers reflect how your body handles fuel, pressure, and lean mass over time.
| Measure | Last Year | This Year | Trend |
|---|---|---|---|
| Fasting glucose (mg/dL) | |||
| HbA1c (%) | |||
| Systolic blood pressure (mmHg) | |||
| Diastolic blood pressure (mmHg) | |||
| Skeletal Muscle Mass Index (SMMI, kg/m²) | |||
| Fat-Free Mass Index (FFMI, kg/m²) |
SMMI and FFMI values usually come from DXA (gold standard) or bioelectrical impedance (BIA) body composition scans. Skeletal muscle mass index (SMMI) = appendicular lean mass ÷ height², and fat-free mass index (FFMI) = fat-free mass ÷ height² (both in kg/m²). If your BIA printout only shows appendicular skeletal muscle mass or fat-free mass in kilograms, you can estimate SMMI or FFMI by dividing that number by your height in meters squared.
Metabolic domain score is based on how many measures improved compared to last year (maximum 5 points; improvements beyond five still reflect wins, even if they don’t increase the score).
2. Heart & Vessels: Cardiovascular Risk Markers
These labs and fitness measures give extra information about long-term heart and blood vessel risk. Testing and targets should always be individualized with your clinician.
| Measure | Last Year | This Year | Trend |
|---|---|---|---|
| LDL cholesterol (mg/dL) | |||
| HDL cholesterol (mg/dL) | |||
| Apolipoprotein B (apoB, mg/dL) | |||
| High-sensitivity C-reactive protein (hs-CRP, mg/L) | |||
| VO₂max (mL/kg/min) | |||
| Coronary artery calcium (CAC) score | Not tracked | No trend (single value) |
Cardiovascular domain score is based on how many measures (LDL, HDL, apoB, hs-CRP, VO₂max if entered) improved compared to last year (maximum 5 points; improvements beyond five still reflect wins, even if they don’t increase the score). The CAC score is recorded for reference only and is not included in the score.
3. Kidney Health
These common blood and urine tests help reflect how well your kidneys are filtering over time. eGFR is automatically estimated from your age, sex, creatinine, and cystatin C using the 2021 CKD-EPI creatinine–cystatin C equation.
| Measure | Last Year | This Year | Trend |
|---|---|---|---|
| Creatinine (mg/dL) | |||
| Cystatin C (mg/L) | |||
| Urine Albumin-to-Creatinine Ratio (ACR, mg/g) | |||
| eGFR (mL/min/1.73m²) – auto-calculated |
Kidney function domain score is based on how many measures (creatinine, cystatin C, eGFR, ACR) improved compared to last year (maximum 3 points). eGFR is an estimate and can vary between labs—always interpret it together with your clinician and your overall health picture. ACR is the preferred screening test for albuminuria and is ideally measured from a first-morning urine sample.
4. Physical Function: Strength, Speed & Mobility
Slower walking speed, shorter 6-minute walk distance, and longer chair stand times are linked with higher risk of disability and mortality over time. Improving or maintaining these is a powerful healthspan goal.
| Measure | Last Year | This Year | Trend |
|---|---|---|---|
| Gait speed (m/s) | |||
| 6-minute walk distance (meters) | |||
| 5x Chair Stand time (seconds) | |||
| Grip strength (kg) |
How to measure at home:
• Gait speed: Mark out 4–10 meters. Time how long it takes you to walk at your usual pace. Divide distance (meters) by time (seconds) to get m/s.
• 6-minute walk test: In a safe, flat hallway or path, walk back and forth for 6 minutes at your best sustainable pace and record the total distance in meters. Use your usual assistive device if you have one and stop if you feel unsafe.
• 5x Chair Stand: From a standard chair, stand up fully and sit back down 5 times as quickly as you can without using your hands, and time in seconds.
• Grip strength: If you have a hand dynamometer, record the best of 3 attempts with your dominant hand.
Physical function domain score is based on how many measures improved compared to last year (maximum 4 points).
5. Cognition & Mood (Self-Rated)
These questions are simple self-ratings. They do not diagnose any condition. If you notice changes that worry you, please talk with your healthcare provider.
Cognition & mood domain score is based on whether you rate your memory and mood as better or about the same compared to last year (maximum 4 points).
6. Health Behaviors & Screening
The age ranges and screening examples below are simplified and based on general USPSTF-style guidance. They don’t cover every individual situation. Your personal and family history, medications, and other conditions may mean you need more (or less) frequent testing. Use this checklist as a starting point for a conversation with your clinician—not a stand-alone guideline.
This section helps you track key health behaviors and whether you are up to date on common preventive screenings. It is informational only and does not change your Healthspan Score.
Health Behaviors
| Behavior | Status |
|---|---|
| Current smoker or tobacco use | |
| Current alcohol use |
Preventive Screening Checklist
For each screening that applies to you, indicate whether you are up to date and the year of your most recent test. Always confirm specific recommendations with your clinician.
| Screening | Up to date? | Year of most recent test (optional) |
|---|---|---|
| Colorectal cancer screening (e.g., colonoscopy, stool test) | ||
| Breast cancer screening (mammogram) | ||
| Cervical cancer screening (Pap / HPV) | ||
| Prostate cancer screening (PSA, shared decision-making) | ||
| Osteoporosis screening (bone density test) | ||
| Lung cancer screening (low-dose CT, for eligible current or former smokers) |
Screening recommendations can change over time and may differ based on your personal and family history. Use this as a conversation starter with your clinician, not a stand-alone guide.
7. What Matters Most: Planning & Communication
These questions help you track whether your wishes, decision-makers, and key documents are in place. This section is a checklist only and is not included in the Healthspan Score.
| Planning Step | Status | Year completed / last updated (optional) |
|---|---|---|
| I have a Medical Power of Attorney (MPOA) designated. | ||
| I have a Durable (Financial) Power of Attorney (DPOA) designated. | ||
| I have completed an estate plan (will and/or trust). | ||
| I have completed a MOST / POLST form (if applicable in my state). | ||
| I have clearly communicated my wishes with my POA / decision-makers. |
Matters Most Steps Completed: 0 / 5
This readiness checklist isn’t about “good” or “bad.” It’s a way to see which planning steps you’ve already taken and which you might want to prioritize over the next year.
📊 Why these metrics matter
💪 Your body’s strongest predictors
- Walking speed, TUG, chair stands, grip strength → top predictors of independence and survival.
- VO₂max → one of the single strongest predictors of all-cause mortality.
- CAC score → leading noninvasive marker of cardiovascular risk.
- ApoB → best measure of atherogenic particle burden.
- ACR → early signal of vascular and kidney aging.
⚙️ What improves healthspan the most?
- Improving aerobic fitness (VO₂max) and walking speed
- Regular strength training to maintain muscle mass and power
- Optimizing glucose, blood pressure, lipids, inflammation
- Not smoking; limiting alcohol; daily movement
- Prioritizing sleep and stress reduction