Retirement Projection Calculator

📈 IUL vs. 401(k)
Your tax-free retirement roadmap

See how much more you keep in retirement with an IUL compared to a 401(k) — including the impact of market crashes and the IRS tax bill at retirement.

Your Retirement Plan
Applied equally to both strategies
Retirement Comparison
📉 401(k) — After IRS Taxes
$0
Gross balance$0 IRS tax bill (30%)$0 Market crash losses$0
✅ IUL — Tax-Free
$0
IRS tax bill$0 (tax-free) Market crash losses$0 (0% floor) Accessible viaPolicy loans
Extra money you keep with IUL
$0
More in your pocket — less for the IRS

Growth projection year by year

⚠️ Red rows = market crash years (simulated -30% on 401k every 10 years) · IUL floor = 0% — never loses

Year Age 401(k) Balance 401(k) Gain/Loss IUL Balance IUL Growth Difference

The IUL retirement advantage

  • Tax-free withdrawals: IUL cash value is accessed via policy loans — zero income tax, unlike 401(k) which is fully taxed at ordinary income rates
  • 0% floor protection: when markets crash (2008, 2020, 2022), your IUL balance stays flat — 401(k) can lose 30–40% overnight
  • No required minimum distributions: withdraw on your terms, not the IRS's — no forced withdrawals at 73
  • Death benefit included: if you pass before retirement, your family receives the full policy benefit tax-free
  • No contribution limits: unlike a 401(k) capped at ~$23,000/year, an IUL has no maximum annual contribution

The numbers speak for themselves. An IUL isn't for everyone — but for the right person, it can mean hundreds of thousands more in retirement. Let's see if it's right for you.

💬 Get my free consultation

*401(k) model assumes 8% average annual return with simulated -30% market corrections every 10 years and 30% tax at withdrawal. IUL model assumes 8% growth with 0% floor. Results are illustrative and not a guarantee of future performance. JCNay Vida Team · Licensed NJ #3003419400 · FL #G365745