Capital Runway forecasts how your banking system evolves under current patterns and models the effect of changes — faster restoration, new deployments, or increased premiums — on your trajectory.
Launch status: Coming soon for consumers. The walkthrough below describes preview behavior and may change before public launch.
What Capital Runway Does
The tool takes your current banking system state and projects it forward in time. It answers questions like:
- "At my current repayment pace, when does my net CV reach $250,000?"
- "How does my runway change if I increase loan repayments by $500/month?"
- "If I take a new $75,000 deployment next quarter, when does net CV recover to current levels?"
Capital Runway reads your recorded snapshots, active loan balances, loan repayments, and upcoming events to build a starting position — then projects forward under your current patterns and any scenarios you add.
How to Use Capital Runway
- Navigate to Tools — click Tools in the sidebar, then select Capital Runway
- Review the loaded position — the tool auto-populates current net CV, monthly cash value growth (estimated from your snapshot history), active loan balances, accruing loan interest, and your current loan repayment schedule
- Set the projection horizon — select 1, 3, 5, or 10 years. Longer horizons are more illustrative; shorter horizons are more useful for near-term planning.
- Read the baseline chart — the baseline projection shows where your net CV is headed under exactly current conditions, with milestone dates labeled
- Add scenarios — toggle scenario adjustments (see Scenario Toggles below) to see how changes shift the trajectory
- Compare curves — with multiple scenarios enabled, lines appear on the same chart so you can see the relative impact of each change
- Read the observations panel — automated factual notes list specific dates when net CV crosses key thresholds under each scenario
Inputs
The tool reads from your recorded data. No manual entry required to run the baseline — but understanding each input helps you assess confidence in the projection:
| Input | Source | |---|---| | Current net CV | Total CSV minus total loan balances from most recent snapshots | | Monthly CV growth | Estimated from your snapshot history (premium + dividends + guaranteed interest) | | Monthly loan interest | Calculated from active loan balances and carrier loan rates | | Monthly repayment | Your currently recorded loan repayment schedule | | Upcoming events | Scheduled note maturities, premium due dates, new deployments you have planned |
The accuracy of the projection depends on snapshot recency. A net CV calculated from a 10-month-old snapshot is a less reliable starting point than one from last week. The Data Freshness section of your dashboard shows how current your snapshots are.
Reading the Results
The main chart projects net CV (total cash value minus total loan balances) forward in time. The line shows your trajectory under each scenario. Labeled markers highlight when net CV crosses round-number milestones — $100K, $250K, $500K, or whatever thresholds are relevant to your system.
The observations panel translates the chart into plain text: "Baseline: net CV reaches $300,000 by March 2028. With faster repayment: net CV reaches $300,000 by November 2026." This makes it easy to compare scenarios without reading the chart.
Event markers appear on the timeline where upcoming events create inflection points — a note maturing returns capital, a new deployment draws down available CV, a premium increase accelerates growth.
Scenario Toggles
Add scenarios to the baseline without changing your recorded data:
Faster repayment — increase your monthly repayment beyond your current schedule. See how a higher monthly commitment shortens the timeline to loan payoff and accelerates net CV recovery.
New deployment — model a hypothetical loan and deployment. Enter the amount, expected deployment return, and start date. The chart shows the initial dip in net CV from the new loan, then the recovery trajectory as repayment proceeds.
Premium increase — model increasing your PUA contribution. Shows how additional premium accelerates cash value growth and how quickly the compounding effect materializes on the chart.
Combined — you can enable multiple scenarios simultaneously to see their combined effect. For example: faster repayment plus a new deployment shows whether the repayment commitment you are considering is sustainable alongside the planned deployment.
All scenarios are labeled "Modeled · Illustrative · Not recorded" and do not affect your actual tracked data. You can clear all scenarios and return to the baseline at any time.
Common Use Cases
Near-term planning: Set a 1–2 year horizon to model whether a deployment you are considering is feasible given your current repayment commitments. Does the new loan push net CV below a level you are comfortable with?
Long-term trajectory: Set a 5–10 year horizon to see the compounding effect of current premiums and the flywheel building. Where is the system headed if nothing changes?
Repayment commitment decisions: Toggle different repayment amounts to find the monthly commitment that brings net CV to a target level by a target date. Use this as an input to your planning — not a mandate.
Actual results depend on carrier dividend scales and future conditions.