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Infinite Banking · Visualized

IBC without
the spreadsheet.

A spreadsheet holds last month’s numbers. It doesn’t know what you’ve earmarked, that a quarterly or annual premium is coming due, that interest capitalizes at the anniversary, or that paid-up additions room is about to lapse.

You still do the work at your insurance company. There are four actions: take a loan, make a loan payment, make a paid-up additions payment, or change how much paid-up additions is billed with the premium. IBC Tool records them. The Agenda lists the ones you have not done there yet.

Free during early access · No credit card · See how it works

Available, allocated, and outstanding totals, plus this period’s agenda

Every policy, in one place.

Cash value, loans outstanding, and what you can still borrow — across every policy and every insurance company. Upload a summary from your portal or an annual statement, or type today’s figures. One policy is enough to start.

Policies & Loans with the available loan amount, the loans, and the cash value of each policy

Plan by goal, not by policy.

Zero-based budgeting for what you can borrow. Every dollar of available loan amount is assigned to a category — a vehicle, real estate, college, reserves — or it sits there marked unassigned until you give it a job.

A category can draw on every policy you link to it, so a goal isn’t stuck on whichever policy happens to hold enough. A new policy does not assign itself. When you select Auto-distribute, IBC Tool offers its room to the categories linked to it, and you can change the amounts before you save. The money is earmarked, not withdrawn: it stays in the policy and keeps earning. What you repay is borrowable again.

Budget categories with targets and allocated amounts

Recurring expenses — first-class.

The classic Becoming Your Own Banker car purchase, for any bill that comes around again. Tuition, property taxes, registrations, maintenance, the annual premium itself.

You fund the category. When the bill lands, you take a policy loan against it, and part of the paid-up additions in your premium goes to the loan payment. When the loan is paid off, that amount goes back to paid-up additions, and the category can fund the next bill. You still request the loan, change the paid-up additions payment, and send the loan payments at your insurance company. IBC Tool keeps the plan. When the insurance company still has to do one of those, it shows on the Agenda.

Recurring category with active loan and allocation history — car purchase loop

All your policy loans, managed in one place.

Record each policy loan, including the ones you already have, and choose how you repay it: on a schedule, interest only, or hold until you’re ready. Balances, payments, and later draws stay in one place, and a snowball can put extra payments on one loan.

Your insurance company keeps one loan balance per policy. The categories are your split, so a car loan and a property loan can sit side by side. IBC Tool does not send the money.

The loans of one policy with their repayment strategies, balances, monthly payments, and payoff progress

Policy gotchas, before they cost you.

Interest that would capitalize, paid-up additions room about to expire, a rider, a payment. You don’t keep a mental calendar. When something needs you, it shows up. These are reminders. IBC Tool does not make the change for you.

  • Interest about to capitalize onto a loan
  • Paid-up additions your insurance company has not reported, with what your premium billed by the date of your last reading
  • A paid-up additions rider that will end, even if you pay the maximum for the rest of the year
  • A loan paid off, so the paid-up additions payment can rise again
  • A quarterly or annual premium coming due, which you can cover with a policy loan when you have the room
  • A loan payment coming due
  • Policy numbers old enough that they need a fresh reading

Free during early access.

Every feature. No credit card.

Pricing

Free during early access.

Full product while we build with the first practitioners. Your feedback steers what ships next.

Early access

Everything included.

  • Unlimited policies, loans, and categories
  • Recurring expenses repaid from the paid-up additions in the premium
  • Warnings before interest capitalizes or paid-up additions room runs out
  • Statement upload, and a check that the new numbers match what you recorded

FAQ

Common questions.

No. IBC Tool does not sign in to your insurance company, and it does not store that login. You upload a statement or a portal summary, or you type the numbers.

You still take four actions there: a loan, a loan payment, a paid-up additions payment, or a change to the paid-up additions billed with the premium. IBC Tool records each one. The Agenda collects the ones you have recorded and have not done there yet. Use the Agenda explains which recordings get an item. A direct connection is on the roadmap.

Encrypted in transit and at rest. We do not store an insurance-company login, and we do not send your financial data to an analytics product.

You can correct most fields in the app, and you can delete the account from settings. For a copy of your data, go to Settings and select Download your data. You get a ZIP file with a spreadsheet file for each kind of record, plus the documents you uploaded.

Yes. Infinite Banking is built on dividend-paying whole life, and that is the policy IBC Tool tracks. If you are still choosing a policy, work with someone who designs them for this practice. IBC Tool does not sell insurance.

Nelson Nash’s approach: use a dividend-paying whole life policy as your own source of capital. You borrow against the cash value instead of from a bank, and you repay the policy loan on your own schedule. The cash value stays in the policy and keeps earning. The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC.

No. IBC Tool is independent — not affiliated with or endorsed by the Nelson Nash Institute or Infinite Banking Concepts, LLC. The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC.

The usual line is “buy term and invest the difference” — term costs less, so more is left to invest. Independent work (including Ernst & Young Monte Carlo modeling) has challenged that over long horizons: permanent life can beat fixed income, term premiums drag a portfolio, and policy loans avoid forced sales in a downturn.

IBC doesn’t treat whole life as the investment. It’s savings plus a banking system. The question is who controls your capital. A policy loan uses cash value as collateral — it isn’t a withdrawal — so the balance keeps earning while you deploy the money elsewhere. Interest that would have gone to a bank stays in your system.

An IBC-designed policy (with Paid-Up Addition riders) also isn’t the plain whole life that critique usually targets: more early cash value, more accessible capital. Most practitioners still invest outside the policy; they finance those moves through the policy first so the same dollar works in two places.

Stop running IBC from a spreadsheet.

Free during early access.