Infinite Banking Calculator

Project your wealth growth

Policy Parameters

Recommended: 10-20% of gross income

Minimum 10 years recommended

Cash Value

$383,574

Year 20

Total Paid

$200,000

Over 20 years

Interest Recapture Advantage

2.0%

Extra return from paying yourself higher interest

Growth Projection

Key Insights

  • • Your cash value exceeds total premiums paid around year 3
  • • By year 20, you'll have $183,574 more than you paid in
  • • This growth is tax-deferred and accessible via policy loans

The Recapture Advantage

By repaying loans at 7% instead of the policy's 5% rate, you recapture an extra 2.0% annually. Over a lifetime, this can add hundreds of thousands to your wealth.

Real-World Example: $30,000 Car Purchase

Traditional Bank Loan
Loan amount:$30,000
Interest rate:7%
Term:5 years
Total interest paid:$5,642
Your wealth:-$5,642
Policy Loan + Repayment
Policy loan:$30,000
Your repayment rate:7%
Term:5 years
Interest recaptured:+$10,500
Your wealth:+$10,500

The Difference:

$16,142

This is the power of recapturing the banking function!

Disclaimer: This calculator provides simplified projections for educational purposes. Actual policy performance depends on company dividends, policy design, and individual circumstances. Consult with a qualified infinite banking practitioner for personalized advice.