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IBC without
the spreadsheet.

Track cash value across every policy, assign to categories, and route each month's contribution to Paid-Up Additions (PUAs) or loan repayment.

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Cash Value · September
$247,830
+ $4,120 this quarter
Real Estate Fund $120,000
Vehicle Replacement $45,000
Business Capital $50,000
Across 3 policies · 2 carriers

Built for the IBC workflow.

Six pieces of the practice, in one place.

Cash value across every policy.

Consolidate cash value across every whole life policy you own — any carrier, any number of policies. Total, outstanding, and net available are tracked separately so the number you act on is the right one.

  • Unlimited policies and carriers
  • Total, outstanding, and net available tracked separately
  • Add a policy from your annual statement
Policies · Overview
Total Cash Value
$247,830
Outstanding Loans
$32,000
Net Available
$215,830
Penn Mutual WL
$142,500
+3.2% this quarter
Guardian WL
$105,330
+2.8% this quarter

Every whole life policy you own, consolidated into one total.

Allocate cash value like a budget.

When a statement lands, allocate the new balance across categories you define — real estate, vehicle replacement, private lending, emergency reserves. Each one works like an envelope: money inside is earmarked; everything else stays free to deploy.

  • Categories for every funding goal
  • Allocate by percentage, fixed amount, or manually
  • Move capacity between categories as priorities shift
Categories · April 2026
Real Estate Fund
$120,000
Vehicle Replacement
$45,000
Emergency Reserve
$32,830
Business Capital
$50,000

Each category earmarks part of your cash value for a future use.

A loan and its repayment plan, captured together.

Every loan locks in its full repayment plan at origination — not months later when memory has faded.

  • Six strategies to pick from — recurring expense, cashflowing investment, consistent repayment, windfall, interest-only, or death-benefit payback
  • Each one reshapes the loan: which fields apply, where payments come from, and how the balance ultimately closes — cashflow, a windfall, or the death benefit itself
  • Set monthly repayment and Paid-Up Additions reallocation upfront
Loans · Active
Recurring Expense
Annual Property Tax
$8,500
PUA redirect: $710/mo
Cashflowing Investment
Rental Property #3
$85,000
+$1,200/mo cash flow
Consistent Repayment
Student Loan Refi
$32,000
Payback: 60 months

Three loans, three strategies — each strategy reshapes the metadata that follows.

Each month's contribution: Paid-Up Additions or loan repayment.

IBC Tool tracks every loan's reallocation to surface the exact monthly amounts flowing to Paid-Up Additions (PUAs) and to loan repayment, and keeps the annual PUA target in view so the policy anniversary never catches you short.

  • Live contribution allocation — to PUAs, to loan repayment
  • Annual PUA limit and YTD pace per policy
  • Automatic switchback to full PUA when a loan is paid off
Allocation · April 2026
Send to PUA
$1,200
across 2 policies
Loan repayment
$800
1 active loan
Annual PUA · YTD pace $18,000 of $24,000

This month's contribution split, plus the annual Paid-Up Additions pace.

Every snapshot, cross-checked.

Log the payments you made and capture each new snapshot. The delta is reconciled against what was predicted — principal, interest, cash value growth.

  • Log principal and interest on every payment
  • Automatic snapshot reconciliation
  • Catch carrier statement surprises early
Snapshot · Q1 2026
Penn Mutual WL · #2210-XXXX
Reconciled
Predicted Actual
PUA contributions $6,000 $6,000 ✓
Loan interest charged $310 $312 ✓
Principal paid $2,088 $2,088 ✓
Cash value growth $8,500 +$8,740 ✓

Predicted numbers, reconciled against what the statement actually showed.

Coming soon

Watch the banking function compound.

Every snapshot is a data point. Over quarters and years, see cash value climb, loans cycle through, and compounding stay intact.

  • Cash value trended across every snapshot
  • Year-over-year growth by policy and portfolio
  • Export your full history anytime
Growth · 8 quarters
Q1 '24 Q2 '24 Q3 '24 Q4 '24 Q1 '25 Q2 '25 Q3 '25 Q4 '25
Total Cash Value
Available to Borrow

Every snapshot becomes a data point — cash value climbing, loans cycling through.

Four steps. One monthly rhythm.

Set up once. Then a short review each time a statement lands.

1

Add your policies

Enter the basics from your last annual statement — cash value, Paid-Up Additions limit, open loans.

2

Snapshot & allocate

When a new statement lands, capture it and allocate the growth across categories.

3

Draw loans deliberately

Take loans with their strategy, repayment source, and Paid-Up Additions reallocation captured upfront.

4

Apply this month's allocation

Send the Paid-Up Additions and repayment amounts the tool calculates. Switchback handled automatically.

Free during early access.

We're building alongside the first wave of practitioners. Your feedback shapes the tool.

Full platform. No credit card.

Every feature, free, while we're in early access — in exchange, we'd like to hear what's working and what's missing.

  • Unlimited policies, snapshots, and loans
  • Category budgeting for the full cash value
  • Paid-Up Additions tracking and monthly guidance
  • Payment recording and snapshot reconciliation

Common questions.

A strategy developed by Nelson Nash that uses dividend-paying whole life insurance as a personal banking system. Instead of borrowing from institutions, you borrow against your own cash value — keeping the banking function and the interest within your control.
IBC Tool is designed for dividend-paying whole life policies, which are the foundation of the Infinite Banking strategy. If you're considering starting a policy, work with a financial professional experienced in IBC policy design.
Ramsey's advice is "buy term and invest the difference": term costs less, so you have more left over to invest. That premise doesn't hold up under independent analysis — Ernst & Young's Monte Carlo modeling found that permanent life insurance outperforms fixed income over long-run horizons, that the term premium itself acts as a drag on portfolio performance, and that policy loans let investors avoid selling at a loss during downturns.

IBC practitioners aren't using whole life as an investment in the first place -- it's a savings vehicle and a personal banking system. The question isn't "what's my rate of return?" It's "who controls my capital?"

When you take a policy loan, you're borrowing from the insurance company's general fund using your cash value as collateral. Your cash value isn't withdrawn -- it keeps earning dividends on the full amount. The interest you'd normally pay a bank goes back into your own policy, alongside guaranteed growth, tax-free access to capital, and a death benefit.

A properly designed IBC policy looks nothing like the standard whole life Ramsey is typically criticizing — Paid-Up Addition riders maximize early cash value, so more of your premium becomes accessible from day one. Most IBC practitioners also invest in markets and other cashflowing assets; they just finance those investments through the policy first, putting the same dollar to work in two places.
Not yet. You enter values manually from your carrier's annual or quarterly statements, which keeps credentials out of the system. Automated carrier integrations are on the roadmap.
Encrypted in transit and at rest. Sensitive credentials are also encrypted in the application before they hit the database. No carrier credentials are stored. No third-party analytics on your financial data. Your full history can be exported at any time.
No. IBC Tool is an independent project, not affiliated with, endorsed by, or sponsored by the Nelson Nash Institute or Infinite Banking Concepts, LLC. The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC.

Run your banking function as a system.

Free during early access.