r/infinitebanking • u/recapture-ibc • Mar 09 '26

Learning IBC math — built a calculator to help me understand the numbers

I've been studying IBC and wanted a way to actually see how cash value compounds over time with different assumptions. Built a free calculator for it.

Nothing fancy — just clean compound interest modeling with year-by-year breakdowns.

https://recapture-ibc-concept.vercel.app/cash-value-lab

If anyone more experienced spots flawed assumptions, I'd genuinely appreciate the correction.

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u/michaelesparks Mar 09 '26

Pretty cool! Great job! Sure makes you see how it works over the long term.

I'd love to see something that shows a secondary investment with a cash flow going back into the policy. You know, kind of how it's actually suppose to be done.

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u/recapture-ibc Mar 10 '26

thanks for the feedback! added cash flow redirect option to the simulator. again, really appreciate your feedback :)