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Beat The Inflation

Interactive tools

Run your own numbers

Four free tools for understanding before deciding. Every output is a hypothetical illustration — useful for thinking, never a promise.

IUL Growth Estimator

Project hypothetical cash value across conservative, moderate, and favorable crediting scenarios, net of simplified policy costs.

35
1865
$500
$100$3,000
25
540

Conservative (3.0%/yr)

$172,502

Hypothetical cash value at age 60

Moderate (5.5%/yr)

$245,893

vs. $150,000 contributed

Favorable (7.0%/yr)

$307,066

Upper illustrative scenario

Hypothetical cash value range over 25 years

Retirement Income Calculator

Estimate your balance at retirement, the monthly income it could sustain, and how long your target income would actually last.

$150,000
$0$2,000,000
$750
$0$5,000
45
2570
67
5075
$4,000
$1,000$20,000

Projected balance at 67

$809,112

Assumes 5.0%/yr while saving

Sustainable income (25 yrs)

$4,271/mo

Assumes 4.0%/yr in retirement

Your target income would last

28.2 years

Drawing $4,000/mo

On track — under these assumptions

The hypothetical sustainable income meets your target. Real markets won't move in straight lines, so a written income plan still matters.

Life Insurance Needs Calculator

A DIME-method estimate (Debt, Income, Mortgage, Education) of the coverage amount worth discussing with a professional.

$85,000
$0$400,000
10
125
$20,000
$0$250,000
$220,000
$0$1,000,000
$80,000
$0$500,000
$140,000
$0$2,000,000

Estimated coverage to discuss

$1,025,000

DIME-method estimate (Debt, Income, Mortgage, Education), rounded to $25k

Income replacement (10 years)$850,000
Debts + mortgage$240,000
Education$80,000
Minus: existing coverage & savings$140,000
Resulting need$1,025,000

Is IUL Right for Me?

Five honest questions about your horizon, goals, and budget — with an answer that's allowed to be 'probably not.'

Question 1 of 50%
How long could you leave money working before you need it?

Numbers raise questions. Good.

Bring your results to a free conversation and we'll pressure-test the assumptions together — including the ones these tools simplify.

Educational conversations only — never a sales script, never an obligation.