Wealth Building Tool
Personal Portfolio Builder
Model your full financial picture: salary, whole life insurance policy, and a custom stock/ETF portfolio — all in one place. Compare the IBC strategy against traditional investing.
1
Your Income & Time Horizon
Adjust for your actual tax situation
2
Infinite Banking Policy
Include IBC Whole Life Policy
Model a participating whole life policy alongside your investment portfolio
Net of costs (typical 4–5.5%)
3
Investment Portfolio (Dollar-Cost Averaging)
One-time starting investment
Split across your holdings below
Your Holdings
⚠ Allocations total 0% — they should add up to 100%.
4
Monthly Budget Snapshot
Total Wealth Over Time
Year-by-Year Breakdown
⚠ This model uses historical average returns and simplified actuarial assumptions. Actual results will vary based on market performance, policy design, dividend experience, and individual circumstances. This calculator is for educational and planning purposes only — not financial or insurance advice. Consult a licensed financial advisor and qualified IBC practitioner for personalized guidance.