Private Reserve Strategy — Tax-Free Retirement Calculator

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Policy Data

View and edit policy year data

From Year:

To Year:

Alignment:

Guaranteed Loan Rate (%):

Formula Customization

Configure how calculated values are computed

Custom Formula Editor

Use tokens (e.g. AccountValue, PrevAccumulation, Contribution, TotalCharges, PrevLoanBalance, PolicyLoans, LoanRate, OrigCash, OrigLoanBal, OrigDeathBenefit)

Formula

Expression

Preview: (not saved)

Test Year

Result: (not tested)

D

Interest Earned

Account Value - Previous Account - Contribution + Expenses

G

Loan Interest

( Prev Loan Balance + Policy Loans ) × Loan Rate

H

Loan Balance

Prev Loan Balance + Policy Loans + Loan Interest

I

Available Cash Value

Years 1-12:
Orig Cash - ( Loan Bal - Orig Loan Bal )

Years 13+:
Account Value - Loan Balance

J

Life Insurance

Loan Balance - Account Value

K

Death Benefit

Orig Death Benefit - Loan Balance

Adjustable Parameters

ACV Formula Transition Year

Years 1 to this value use the original cash formula

Guaranteed Loan Rate

5.00% (Fixed by Allianz)

This rate is contractually guaranteed

Life Insurance Calculation

Dynamic recalculates each year; Frozen uses initial import value

Loan Inputs

Configure policy loan parameters

Loan Year Start

Loan Year End

Loan Amount ($)

Inflation Adj. (%)

Clear Start Year

Clear End Year

Visualizations

Interactive charts and data visualizations