Opportunity Cost Calculator

💸 Wealth Accelerator
What is your debt really costing you?

Every dollar you pay in interest is a dollar that isn't building your future. See what that money could have become in an IUL over 20 years.

Your Debt Information
Average US credit card rate: 20–24%
If that interest money went into an IUL instead
$0
Estimated value after 20 years at 7% average IUL return
Annual interest you're paying
$0
Going to the bank, not to you
Total interest over the period
$0
Money that disappears

The real price of debt

  • Your debt interest is not just a cost — it's a missed investment opportunity compounding against you
  • While you pay high interest, banks invest that money and earn returns — you can flip the equation
  • An IUL lets you redirect those payments into tax-free growth linked to the market with 0% downside risk
  • The faster you eliminate debt, the sooner every dollar starts building wealth for your family

Ready to stop paying for the bank's retirement and start building your own? Let's design a debt elimination and wealth building plan together.

💬 Get my free consultation

*Projection based on 7% average annual IUL return. Results are illustrative and not a guarantee of future performance. JCNay Vida Team · Licensed Agent NJ #3003419400 · FL #G365745