A machine learning and predictive analytics system is disclosed. The system may comprise a data access interface to receive, over a network, data associated with a subject from a data source. The data source may include an internal data source and an external data source. The system may comprise at least one processor to analyze the data associated with the subject, predict a future life event based on the analysis of the data, and calculate at least one of a financial forecast, a ratio, and an index based on the predicted future life event and data associated with the subject. The processor may use machine learning, statistical analysis, simulation, and/or modeling techniques to analyze the data, predict the future life event, and calculate the at least one of a financial forecast, a ratio, and an index, which may represent likelihood of the subject taking a financial action with a financial institution. The processor may also generate a recommendation for the subject to elect the financial action or other product or service based on the predicted life event.