EXTERNAL RATE OF RETURN CALCULATOR™

Why This Calculator Matters

Most people never see the real cost of using their own money. They’re taught to save inside accounts they don’t control… then hope those accounts grow enough to overcome taxes, fees, and volatility.

But that model forces your dollars to take the long road — the Through Path™ — through taxes, through losses, through permission, through volatility.

The External Rate of Return Calculator exposes the alternative:
What happens when you keep control… and let your money work twice?

When you borrow against a properly structured policy — instead of from it — your cash value keeps compounding uninterrupted. Meanwhile, the capital you deploy can create additional ROI without killing the growth curve on your policy.

Ready to See What This Looks Like for Your Numbers?

Understanding the math is good. Structuring it properly is everything. When your cash flow, tax bracket, policy design, and opportunity timing align, this strategy becomes one of the most efficient, safest, and most repeatable ways to build generational wealth.

Schedule Your Bridge Strategy™ Session and get a personalized, compliant design that shows:

Your tax-free internal compounding.
Your maximum safe leverage capacity.
Your real spread after taxes & fees.
Your timeline to liquidity, acceleration, and long-term cash flow.

What You’re Seeing

This is how you move from single-use dollars to dual-purpose capital — the foundation of the Bridge Strategy™ and the To vs. Through™ framework.

Investment Return

The rate your outside opportunity can earn — real estate, business reinvestment, lending, or other projects.

Control Cost

The effective cost of borrowing against your policy. Not interest “charged to yourself,” but the true economic cost of using leverage.

Resulting Spread

The percentage of additional value you create by letting your dollars compound in two places at once instead of just one.

External Rate of Return Calculator

See the leveraged rate of return when you borrow against a tax-free policy to fund an outside investment. Adjust the sliders to compare your investment return with the cost of control.

Investment Return:

8.0%

Control Cost:

3.0%

LEVERAGED RETURN ON CONTROLLED CAPITAL

0.00%

See My Tax-Smart Bridge Strategy

For an investment earning 8.0% using borrowed policy values at a 3.0% control cost, your external rate of return on the dollars at work is about 166.67%.

Educational only — not investment, tax, or legal advice. Assumes level returns, constant borrowing costs, and no down years. Actual results will vary. Borrowing against a policy introduces additional risk if the investment underperforms the control cost or if the policy is not properly funded and maintained.