Advanced Analytics is a six-chart dashboard that analyzes your banking system from multiple angles — growth, income, capital flow, Net CV, year-over-year trends, and deployment comparison. All data is drawn from your recorded snapshots and logged capital events.
Accessing Advanced Analytics
Navigate to Tools → Advanced Analytics from the sidebar. The dashboard loads all six charts from your recorded data. You can filter each chart by policy, date range, or deployment — controls appear above each chart.
The Six Charts
1. Cash Value Growth
A stacked area chart showing how cash value has grown across all your policies over your recorded snapshot history.
How to read it: Each policy appears as its own colored layer. The height of the full stack at any date is your total cash value. Taller policies contribute more to your total. When a layer grows faster or slower than others, you can see which policy is driving the change — useful if one policy has a significantly different PUA allocation or if a newer policy is ramping up faster.
What the shape represents: A steady upward slope reflects the modeled premium and dividend inputs. A flat or declining stack can reflect an active loan balance growing faster than available CV; Capital Runway is the related preview model for that trajectory.
Data source: Your recorded snapshots. More frequent snapshots produce a smoother, more detailed chart.
2. Income Timeline
Monthly deployment income with a running cumulative total overlaid as a line.
How to read it: Each bar represents total deployment income received in that month. The cumulative line shows your running total of income generated since you started tracking. The gap between months where bars are tall vs. short reflects the timing of income from your specific deployments.
What to look for: A rising cumulative line with consistent monthly bars indicates a healthy income flow. Gaps (months with no or low bars) may correspond to deployments that are interest-only for a period, or periods between deployments. If income drops sharply, check whether a note matured and was not yet redeployed.
Data source: Deployment income entries in your Banking Ledger.
3. Capital Flow
A Sankey-style flow diagram showing where capital is moving through your banking system at the current point in time.
How to read it: Capital enters the system through premiums (left side). It flows into cash value, then out via policy loans into deployments. Deployment returns flow back into the system through restoration. The width of each flow path represents the relative magnitude of that capital movement.
What to look for: A wide flow from policies into loans indicates high deployment activity. A narrow restoration flow relative to the loan flow means restoration is slow relative to deployment pace. A balanced diagram — with flows in and out roughly proportional — reflects a system that is deploying and restoring at a sustainable rate.
Data source: Your Banking Ledger entries and active deployment/loan records.
4. Net CV
Your total system Net CV over time: total cash value plus active deployment balances minus total loan balances.
How to read it: This is the broadest financial measure of your banking system. The line shows total cash value plus deployment balances net of all outstanding policy loans — capital working inside policies plus capital deployed externally, less what is on loan.
What to look for: An upward trend indicates the system is growing in total value. A temporary dip often corresponds to a new deployment (the loan reduces CV before the deployment return materializes). A flat or declining Net CV sustained over many months may indicate that loan interest is compounding faster than new value is being created — worth examining alongside the Income Timeline and Spread data.
Data source: Your snapshots, deployment records, and loan balances.
5. Year-over-Year
A side-by-side comparison of key metrics between the current year and the prior year.
How to read it: Six metrics are shown for each year: total cash value, net CV, deployment income, capital deployed, velocity, and loan repayment progress. The delta between years is displayed alongside each metric.
What to look for: Growth in cash value alongside growth in deployment income indicates the flywheel is turning. A year where velocity increased but spread held steady suggests you deployed more capital without sacrificing return quality. A year where income dropped but cash value grew means you may have had fewer or smaller deployments — or you restored more capital and reduced loan balances.
Data source: Your recorded snapshots and Banking Ledger for both years.
6. Deployment Comparison
A side-by-side view of all active assets showing spread, return rate, capital deployed, income generated, and repayment status.
How to read it: Each deployment appears as a row. Spread is the return rate minus your loan cost for that deployment. Capital deployed is the original loan amount. Income generated is the cumulative income recorded. Repayment status shows what percentage of the original loan has been repaid.
What to look for: Spread alone is not a ranking metric — a high-spread deployment with slow loan repayment and high capitalized interest may be less valuable than a moderate-spread deployment with steady monthly income and active repayment. Look at the combination: spread, income, and repayment progress together tell the full story.
Spread alone does not determine a deployment's contribution to your system. Capital velocity and repayment discipline are equally important. A deployment that earns 12% but has $0 income recorded and no repayment activity contributes less to system throughput than one that earns 8% with consistent monthly income flowing in.
Data source: Your deployment records, loan rates, and income entries in the Banking Ledger.
Data Source Note
All six charts are built from your recorded data — snapshots you have entered, capital events you have logged, and deployments you have tracked. There are no projections or models in Advanced Analytics. Each chart displays your actual historical numbers. The more consistently you record data, the richer these charts become.