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IUL calculator with real S&P 500 history

A simple, transparent IUL calculator. Tell it your monthly contribution and time horizon. It returns three scenarios — conservative, base, and aggressive — anchored to recent S&P 500 performance, not illustrated maximums.

How the calculator works

Enter a monthly contribution and a time horizon. The tool pulls recent S&P 500 monthly returns and runs three crediting scenarios side by side:

  • Conservative — lower cap and modest participation rate, simulating older or lower-cost IUL designs.
  • Base— mid-market cap (around 9–10%) and typical participation, anchored to historical S&P 500 distribution.
  • Aggressive — top-of-market cap and full participation. Useful as an upper bound, not a forecast.

What the chart shows

You see your cumulative contributions, the projected indexed account value over time, and the annualized return implied by the base scenario. Two charts show recent S&P 500 history (the input) and the projected indexed value with monthly contributions (the output).

Limits to remember

This calculator does not model cost of insurance, surrender charges, or specific policy fees — those are carrier-specific. Use it for a realistic upper bound on indexed credits, then ask AskIUL or a fiduciary to reconcile against an actual carrier illustration.

Try it now

Run a real S&P 500 projection and ask the AI advisor for a scenario tailored to your monthly contribution.

Open the IUL calculator

FAQ

How accurate is an IUL calculator?+

No projection is a guarantee. Ours uses recent S&P 500 history to bound a realistic range. Real IUL outcomes depend on the carrier's caps, participation rates, fees, and your premium funding pattern — but anchoring to history is a far better starting point than illustrated max returns.

What numbers should I plug in?+

Use the monthly amount you can sustain for the full horizon. Common scenarios: $250–$500/month for 20–30 years. Then run a second pass at half that amount to see the lower bound.

Why do agents quote much higher returns than this calculator?+

Many illustrations use the maximum allowed crediting rate over a long horizon, which compounds aggressively on paper. Real S&P 500 history with the typical 0% floor and 8–12% cap usually credits closer to 5–7% long-term.

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