Your health has a balance. You've just never been able to see it.
Turns out health works just like money: small daily choices, compounding quietly over decades. Your health balance determines how long you live, and how many of those years are healthy and independent.
Bank of Health lets you actually see it that way - what actions add healthy years, which withdraw, and how you're trending, over time.
And interestingly, that makes all the difference. If you've been struggling with motivation to make healthy choices, but you can balance your budget, sign up. Bank of Health is the link you've been missing.
About $1.33/week, annually. First week free.
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Strength Training | +12 hrs ▲ |
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Social | +4 hrs ▲ |
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Drinks | -1 hrs ▼ |
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Walking | +2 hrs ▲ |
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Weight | -3 hrs ▼ |
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Sleep | +2 hrs ▲ |
| Total Today | +16 hrs ▲ |
You feel like things should already be working.
You're on top of it everywhere else.
The budget's balanced. Retirement's funded. You're the person who has their act together - and yet you're still out of shape and you genuinely can't work out why. Here's the answer: Your discipline is fine - what you're missing is feedback.
You bought the wearable. Nothing changed.
A Whoop, an Oura ring, a Fitbit, an Apple Watch - you bought it, and you've worn it for a year - but it hasn't changed your life. The device is great - but it's not making your daily choices any easier, and not getting you in shape.
The missing ledger for your health.
Money became easy to manage the day you had a balance and ledger you could check.
We give you the same thing, for your health.
See what every choice does
Each workout, walk, drink, and night of sleep is shown in the real hours of future, healthy life it earns you or costs you. Wondered if it's worth it to add some strength sessions? Now you'll know.
A balance you can't ignore
Wake up to where you actually stand. See if you're in the red - and see what each action you can take today will earn. If you're like me, you'll do that extra walk to get back in the green. That's how you win the long game.
Real numbers, for your life.
What you see is built on real science and modeled on your actual health history. Our model shows your actual potential gains based on the life you've lived, and what's genuinely on the table for you to still earn. It's more than you think.
On your team.
No guilt, no judgement, no pressure or hype-squad language. Just the truth, in a friendly way.
Have an off day? No problem. Pick up tomorrow, and keep building.
It's your life, live it
Just like a bank won't tell you how to spend your money, we'll never tell you what to do with your life. Want an extra drink? Have it. Want to skip leg day? No problem. We just believe you deserve to know what those choices actually mean.
A friend of mine who was an early user of the app texted: "I'm going to beerfest today, so I know I'll have 5+ drinks. So I decided to walk there, instead of driving to offset it." That, right there, is the magic.
A real finish line
Bank of Health isn't an endless list of fitness influencer activities and aspirational six-packs - it just shows you the things you can do today that will actually give you more healthy years, and tells you when you're done.
Just like money, there's no magic. Doing the basics, consistently, is what actually gets you there. That's what we're built to help with.
Common sense compounds
I shouldn't give away our secret, but the research-backed list of things to do is short and simple: move an hour a day, maintain a healthy weight, connect with people you love, don't smoke, don't drink much, and lift heavy things a couple times a week. That's it.
We all know what to do. Bank of Health helps you actually do it.
Working out always felt pointless. Until I started treating it like money.
Why it works when willpower didn't
Rings and streaks run on willpower - and one day, you don't have it, the streak breaks and you're starting again from scratch. You're punished because you live in the real world, where life just happens sometimes. Bank of Health works the other way around.
Just like with your money, there's some float and flex. Overspend? Cut things back next month. Miss workouts for a week? Earn them back over the next few weeks by going for some extra walks and skipping drinks one night. We reward you for the things you do that build healthy years, and are honest about the stuff that's costing you life. But even more importantly, the hours are real, based on real science.
Seeing actual future, healthy years of your own life that you can earn or lose - feels different than "I should work out more." There's no guilt. Instead, you've got realistic choices with consequences. Money is easy to manage exactly because there are real consequences, and you've lived them. Bank of Health gives you that same clarity for your health.
It's easy to say you'll get in shape tomorrow. It's a lot harder to say you're willing to lose 4 hours of future healthy life today by putting off a quick walk. That's the magic.
Bank of Health lets you use the way your brain already works and all the habits and wisdom you've built in your financial life, and turn them toward your health, for free.
If you can balance a budget, you can do this.
You've already got the discipline. Any fitness routine will do. What you need is motivation to do the little things, consistently, and to not give up when life inevitably happens. That's what we help with.
Start banking healthy years today.
Questions & Answers
Do I need a wearable?
No. A wearable makes it effortless - we'll sync Whoop, Oura, and Strava automatically - but you can log your day by hand in about 15 seconds and get exactly the same numbers.
Will it tell me what to do?
No. Our goal is to tell you the truth, and let you make your own choices. A bank wouldn't tell you how to spend your money, and we won't tell you how to live. We show you what each choice does - what you do with that is entirely up to you.
What happens to my health data?
It stays yours. We don't sell it, we don't run ads against it, we don't share it with anyone. It's used to show you your numbers, and that's it.
We have a strong privacy policy, written in plain English that you can read, and we comply fully with GDPR, CCPA, and all similar legislation. In short, your data stays private, and you can download or delete everything, anytime.
Is the science legit?
Yes. Every factor is drawn from large, peer-reviewed epidemiological studies, and the sources are linked right in the methodology. No vibes, no influencers - just the research.
Right, but you don't actually know how long I'll live.
You, personally? Of course not. But the group of people who have your health history? We've got a pretty darn good idea.
None of us know if we'll be one of the lucky ones who outlive everyone else in our group, or the unlucky one who gets hit by a bus tomorrow. That's mostly out of our control. But we can control which group we're in, and that's what Bank of Health shows you. Out of a group of people just like you, with your age, country, and history, we show the median life. You might live a bit longer or shorter - but on average, that's the amount of healthy years and total life you'll get.
Please, not another subscription.
I get it - I'm tired of them too. That's why there's a lifetime option: one payment, and Bank of Health is yours for good. No renewals, nothing to remember to cancel.
It lets me keep the servers running and your wearables syncing, and you never think about billing again. You'll see it right next to the monthly and annual plans when you sign up.
Who's behind this?
Me, Steven Skoczen. I'm an indie developer with a background in the sciences, and I run a company called The Good Years Project that focuses on living well and making the most of the time we're given.
No corporations, no VCs, just one person, trying to make useful things.
Why I built this
I'm Steven, the guy who built Bank of Health
I'm in my mid-40s. I balance my budget and save for retirement - but for years my health was the elephant in the room. I owned a Whoop, an Apple Watch, a smart scale. None of it stuck. I was overweight, couldn't find a routine I could stick with, and felt stuck.
So I went looking for the real answer, fell down a research rabbit hole, and came out with the ledger I'd been missing. It's added almost two decades of healthy, active life to what I expect to get - and it changed everything about how I live, day to day.
Read the whole story
My 46th birthday was coming up, and I wanted to know how much time I actually had left. Like the real number. So, being a programmer and person who's done scientific research, I built a small model. And I didn't love the number it told me.
So I wanted to know how that would change if I lost some weight, or exercised more or... actually, I also wanted to know what things we actually knew would help us live longer.
So I started reading research, and fell down the rabbit hole. That rabbit hole found other rabbit holes, and three months later I knew more about epidemiology and longevity than I'd ever wanted to learn. I understood the established longevity research - and I understood that before death, we all had some impaired years, where we needed help getting around.
But more importantly - I understood the levers we could pull to change those outcomes. There was a lot of obvious stuff - maintain a healthy weight, exercise, the usuals. But there were also surprises - social connections provided huge protective benefits, about the same as quitting smoking. Strength training was the single biggest thing most people can do to extend their healthy years, and put off impaired ones.
We, as a species, already had all the answers. But nobody was talking about them, all together.
So I built a free, open calculator called Good Years Left - you can still use it here on this very site. It let me run scenarios, see what I could change, and what was broadly worth doing.
But a month later, I wasn't actually doing it. There was one more missing piece.
A ledger.
I realized that health and money were the exact same type of problem. Doing a good job in both means making small decisions to be responsible most days, in exchange for more long term stability, autonomy, and long-term good years. Best-practices for both were very, very settled problems. There were no magic bullets, but there was compounding.
So I built a health budget, based on all that research. A small app that could tell me, day-to-day, and month-to-month, what my health balance was.
And it changed my life.
Literally. Here's my graph for the amount of hours I've gained and lost for the last four years. Years where I was working out, trying really hard, owned all those wearables.
Suddenly, I had the motivation to go for that walk I knew I should do in the evening - because I didn't want to stare at a number that told me I lost 3 hours of future, healthy life by skipping a 15 minute walk today. I started strength training to make the number go up - and found my back pain disappear.
After years of trying and failing every exercise plan in the book - I finally had a system that worked. And it worked because it built on habits I already had - how to balance my budget, and save for retirement.
I was surprised and delighted to learn that all those ingrained habits about money I'd worked hard to build over the years effortlessly translated into my health. And - that just like my finances, the small gains every day actually did add up.
The weight started coming off. I started going out and doing things I hadn't done for years, feeling active, and healthy in my body.
And I knew that, if I got lucky and didn't get a lump in my head, I was adding almost two decades of healthy, active life to what I'll get to experience before I died.
It had finally clicked. And I wanted everyone who was in the same boat as me to have the same experience - so I built Bank of Health.
If you can manage your budget, and you've invested in retirement, but your health keeps taking a back seat, I know Bank of Health can help you close that gap.
It's a free trial for a week, and less than a dollar and a half a week after that. Start today. See what changes.
- Steven
Free for a full week, cancel anytime.
Bank of Health has helped a lot of people, but it's not right for everyone - so that's why we have a free trial.
Sign up, try it out free for a week, and see if it moves the needle in your own life. If not, you can cancel anytime and delete your data with a couple clicks.