Using the Income Stacker

Borrow from the policy, fund a note, repay the loan, and repeat

On this page

How the Loop Works
How to Use the Income Stacker
Reading the Results
Saving a Scenario

The Income Stacker models the stack loop: borrow from your policy, fund a promissory note, and repay the policy loan with extra cash plus the note's payments. When the loan is repaid, the next note starts.

This feature requires Builder Pro

How the Loop Works

Each new note adds to what repays the next loan, so later loans are repaid faster than earlier ones. When the first notes finish, note payments level off: notes end about as fast as new ones start.

Amortized note payments include your own principal coming back, not only interest. The tool shows the two separately.

How to Use the Income Stacker

Open Income Stacker — go to Tools and select Income Stacker
Choose where to start — My notes today uses the active notes and funding loans from Note Tracker; Start fresh starts from nothing
Enter your stack — extra cash each month, what each new note borrows from the policy, its rate, length, and repayment structure, and the policy loan rate
Choose when the next note starts — when the loan is repaid, or on a schedule
Choose what happens to left-over cash — keep the difference, or add it to the next note on top of what is borrowed
Optionally enter the most your policy can lend — Use it fills in your Net Cash Value plus what is already lent to your notes; borrowing stops at that amount
Pick how far to look — 5, 10, 20, or 30 years

Reading the Results

Note payments — what notes pay in the final month, with how many are active and how many new notes started
Loan repaid in — how long the loan open today takes to repay, and how long loans take by the end
Left over each month or Largest note — depending on what happens to left-over cash
Policy loan interest — the total charged over the range
Charts — monthly note payments (your notes and new notes), principal back at maturity as markers, and the policy loan balance
What this shows — plain statements computed from your numbers
New notes — when each starts, what it borrows, how long its loan takes to repay, and its last payment

Everything after today is Modeled. The tool assumes no missed payments, defaults, early payoffs, or taxes, and it doesn't check your policy's cash value unless you enter a limit.

Saving a Scenario

Builder Pro can Save Scenario, Save a copy, and reopen scenarios from Load Scenario. Loading replaces the settings on screen. Scenarios can be archived and restored. Scenarios saved with the earlier Income Stacker are listed but can't be opened in this version.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.
Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.

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