The Capital Velocity Calculator measures how many times capital has cycled through your banking system over a given period. Velocity is a key metric for understanding how actively your system is being used.
Launch status: Coming soon for consumers. The walkthrough below describes preview behavior and may change before public launch.
What Velocity Measures
Capital velocity counts the number of complete cycles your capital makes through the system:
- Capital is available in your policy (cash value)
- Capital is deployed via a policy loan
- The deployment generates returns
- Capital is repaid to the system
- Capital is available again for the next deployment
Each complete cycle counts as one turn. A velocity of 2.0x means your capital has completed two full cycles in the measurement period.
How to Use the Calculator
- Navigate to Tools — click Tools in the sidebar, then select Capital Velocity
- Select the time period — choose the measurement window (1 year, 3 years, 5 years, or custom)
- Review the velocity metric — see your current velocity alongside a timeline of deployment and repayment events
- Explore by policy — view velocity broken down by individual policies to see which ones are most active
Reading the Results
The calculator displays:
- Current velocity — your overall capital velocity for the selected period
- Velocity timeline — a visual representation of deploy-and-repay cycles
- Per-policy breakdown — how each policy contributes to your overall velocity
- Trend — whether velocity is increasing, decreasing, or stable over time
Velocity is one metric among many. It measures activity — how often capital cycles through the system — not profitability. A high velocity with poor spread on deployments tells a different story than high velocity with strong spread. View velocity alongside other metrics for a complete picture.
What Affects Velocity
Several factors influence your capital velocity:
- Repayment speed — faster loan repayment makes capital available for redeployment sooner
- Deployment frequency — more frequent deployments increase the number of cycles
- Deployment duration — shorter deployment terms complete cycles faster
- Available capital — more available cash value provides more capital to cycle