Project cash value growth with realistic policy inputs. Compare credited rates, fees, and loan costs. Download results, share scenarios, and decide with confidence now.
| Scenario | Key Inputs | Typical Outputs |
|---|---|---|
| Conservative growth | Cash value $12,000 · Premium $2,500 · Credited 4.5% · Fees $120 + 0.35% | Projected cash value, net surrender value, and breakeven year |
| Loan stress test | Loan $7,500 · Loan rate 6% · New loan $500/yr · Repay $0 | Loan balance growth and reduced surrender proceeds |
| Early exit | Surrender charge 8% over 10 years · Projection 7 years | Net surrender after charges, taxes, and loans |
Cash value is the policy’s internal savings balance, separate from the death benefit. It grows when credited interest and dividends exceed policy costs. This calculator models how a starting balance plus ongoing premiums can compound over time, while still reflecting friction from charges. In practice, cash value is not guaranteed to equal premiums paid, especially in the early years when insurance costs are higher.
Premiums typically fund two buckets: insurance protection and the cash value account. Many policies also apply a load or flat administrative fee each year. If you contribute $2,400 annually and 85% is available after loads, about $2,040 reaches the account before investment growth. The projection helps you test different premium schedules, including increases, pauses, or a single lump‑sum deposit.
Most cash value policies credit a guaranteed rate and may add a dividend or excess interest component. This tool combines those inputs into one credited rate, then subtracts annual fees, including a percent asset charge. For example, a 4.5% credited rate minus a 1.0% net drag from fees produces roughly 3.5% net growth before surrender effects. Small fee changes matter because they apply every year to a growing balance.
Policies often impose surrender charges that decline over a schedule, such as 8% in year one falling to 0% by year ten. The calculator estimates net surrender value by applying the charge and then approximating taxes on gains above your cost basis. While actual tax treatment depends on jurisdiction and policy type, modeling taxes highlights the difference between account value and spendable proceeds when you exit early.
Loans and withdrawals can provide liquidity, but they reduce future compounding and may create tax risk if a policy lapses with an outstanding loan. The projection shows loan balances growing at the loan rate and reduces surrender proceeds by remaining debt. Use the scenarios to compare “let it grow” versus “access early,” and to identify a premium level that keeps cash value positive under conservative assumptions. Review results yearly and rerun with updated assumptions, because costs and crediting can change materially.
The calculator applies the credited rate to the prior year’s cash value, then adds net premiums and subtracts fees. It produces a yearly projection so you can see compounding and the effect of changing rates.
No. It is an educational estimate using your assumptions. Insurer illustrations include detailed mortality costs, riders, and contractual guarantees. Use this tool for planning, then confirm with your carrier or agent.
Premium amount, credited rate, and ongoing fees typically dominate long‑term outcomes. Surrender charges and taxes matter most when you exit early. Try small changes to see how sensitive the net surrender value becomes.
A surrender charge percentage is applied to the projected cash value for the selected year. The tool reduces proceeds by that charge, then estimates taxes on gains, producing an approximate net surrender value.
Loans reduce the available cash value and accrue interest at the loan rate. The tool grows the loan balance over time and subtracts it from the cash value when estimating net proceeds, helping you compare borrowing versus staying invested.
Tax rules vary by country, policy type, and how the contract is structured. The calculator uses a simplified approach to illustrate potential taxes on gains. For exact treatment, consult a qualified tax professional.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.