Infinite Banking Calculator
Model your path to financial independence by becoming your own banker
Early Access Available
Experience our Infinite Banking Calculator during this beta period at no cost. In the future, this premium tool will be exclusively available to ChiroWealth clients.
Your Personal Banking System
Our Infinite Banking Calculator helps you visualize how you can create your own banking system using whole life insurance, allowing you to recapture interest, build wealth without market risk, and maintain complete control over your money.
Recapture Interest
Instead of paying interest to banks, pay yourself. With our Infinite Banking strategy, you recapture the interest that would typically go to financial institutions.
Uninterrupted Growth
Your policy continues to grow even when you take loans against it. This allows your money to work in two places simultaneously, accelerating your wealth building.
Complete Control
Maintain full liquidity and access to your capital. No applications, credit checks, or restrictions on how you use your money—you're in charge of your banking system.
Interactive Calculator Features
Our enhanced calculator lets you visualize your personal banking system and project wealth growth over time. Upload your policy illustration and model various loan and investment scenarios.
Key Features:
- PDF extraction from Lafayette Life and Mass Mutual illustrations
- Model one-time, recurring, and existing policy loans
- Visualize investments funded by policy loans
- Interactive charts and wealth growth projections
Calculator Preview
Our Infinite Banking Calculator provides a comprehensive toolset to model your financial future. Upload your policy illustration and visualize how strategic policy loans can accelerate your wealth creation.
How Infinite Banking Works
Establish Your Banking System
Create a properly structured whole life insurance policy designed to maximize cash value growth. This becomes your personal banking system that grows tax-advantaged and protected from market volatility.
Key Benefit:
Your policy acts as both a savings vehicle and a source of financing, with guaranteed growth regardless of market conditions.
Borrow Against Your Policy
Take policy loans against your cash value to finance investments, business expenses, major purchases, or other opportunities. Your policy continues growing as if you never took out the money.
Key Benefit:
Unlike traditional loans, policy loans give you complete flexibility with no credit checks or application process.
Invest the Loan Proceeds
Put the borrowed funds to work in investments that outperform the loan interest rate. Common investments include real estate, business equipment, or other cash-flowing assets.
Key Benefit:
Your money works in two places at once: continuing to grow in your policy while also generating returns in your investment.
Repay Loans and Repeat
Pay back your policy loans with interest—but now you're paying yourself instead of a bank. This creates a powerful wealth-building cycle that can transform your financial future.
Key Benefit:
By paying interest back to your policy, you increase your cash value and borrowing capacity for future opportunities.
Infinite Banking Case Studies
Dr. Michael's Journey
Dr. Michael, a chiropractor with $500,000 in annual collections, established a banking system with a $200,000 policy. Over 10 years, he borrowed against his policy to invest in practice equipment, a real estate opportunity, and to eliminate his mortgage.
Dr. Sarah's Strategy
Dr. Sarah used the Infinite Banking strategy to fund her new practice location. She started with a $150,000 policy and took a loan in year 3 to secure a commercial property instead of using traditional bank financing.
Ready to Build Your Own Banking System?
Schedule a complimentary consultation with our team to discover how you can implement the Infinite Banking Concept in your financial strategy.
Frequently Asked Questions
Is this just whole life insurance?
While Infinite Banking utilizes whole life insurance as the financial vehicle, the strategy goes far beyond insurance. It's about creating a banking system that you control, leveraging the unique features of properly structured whole life policies to build wealth and finance your life and business needs.
How much money do I need to start?
There's no one-size-fits-all answer. The optimal starting amount depends on your individual financial situation, goals, and cash flow. For our chiropractic clients, we typically recommend starting with 10-15% of your annual collections if possible, but our system can be scaled to work with various starting points.
How do policy loans work?
When you take a policy loan, you're not actually withdrawing from your policy. Instead, you're borrowing from the insurance company using your cash value as collateral. This is why your money continues to grow undisturbed. You set your own repayment schedule and terms, giving you complete control over the process.
Is this strategy tax-compliant?
Absolutely. The Infinite Banking Concept utilizes established tax law regarding life insurance. Policy loans are not considered taxable income, and the growth of cash value within a properly structured policy can be accessed tax-free through loans. As with any financial strategy, we recommend consulting with your tax professional.
How quickly can I expect to see results?
Many practitioners begin seeing benefits within the first year. The real power of Infinite Banking compounds over time, especially as you complete multiple financing cycles. Having a proper illustration can help you visualize both short-term benefits and long-term wealth accumulation based on your specific situation.
What policy illustrations can I upload to the calculator?
Our calculator currently supports PDF policy illustrations from Lafayette Life and Mass Mutual insurance companies. These documents contain the necessary data about your policy's cash value growth projections that our system can extract automatically. If you have a policy from another provider, please contact us for assistance.
How accurate are the calculator projections?
Our calculator uses the actual values from your policy illustration combined with customizable loan and investment parameters to create projections. While the policy values are based on insurance company projections, investment returns and other variables you set are illustrative and meant to help you visualize potential outcomes. Actual results may vary based on market conditions, interest rates, and policy performance.
Start Your Infinite Banking Journey Today
Whether you're ready to implement your banking system or just exploring the concept, our team of specialists can guide you through every step of the process.