Historical Cap Rate Calculator IUL vs S&P Investment Type IRA Roth IRA Brokerage Starting Balance Monthly Contribution * IRA Max Contribution Limit: $583/month Start Year Cap Rate (%) Floor Rate (%) S&P Annual Income Percentage IUL Annual Income Percentage I acknowledge and agree that the content, figures, and functionality of this calculator are strictly educational and illustrative in nature. This tool is not intended to provide, and shall not be construed as providing, financial, legal, fiduciary, investment, accounting, predictive, or tax advice, nor does it constitute a recommendation of any kind. This calculator does not account for fees, taxes, or other applicable charges, and any outputs are hypothetical, generalized, and may not reflect real-world results. All examples and scenarios are for illustrative purposes only. Laws, tax codes, and financial products are subject to change, and may vary significantly by jurisdiction and individual circumstances. This tool is intended for use by licensed financial professionals only. It is not approved for public distribution, client presentations, or consumer guidance. Each insurance product, carrier, and policy is unique, and outcomes will vary. By checking this box, I accept full responsibility for my use of this calculator and agree to consult appropriate licensed professionals before making any decisions. Calculate Year S&P Return S&P Value IUL Return IUL Value Deposit Tax Exit Tax 0% Final S&P Balance Final IUL Balance S&P Annual Income IUL Annual Income
