Using Capital Runway

1. Navigate to Tools — click Tools in the sidebar, then select Capital Runway
2. Review the loaded position — the tool auto-populates current Net Cash Value, monthly cash value growth (estimated from your snapshot history), active loan balances, accruing loan interest, and your current loan repayment schedule
3. Set the projection horizon — select 1, 3, 5, or 10 years. Longer horizons are more illustrative; shorter horizons are more useful for near-term planning.
4. Read the baseline chart — the baseline projection shows where your Net Cash Value is headed under exactly current conditions, with milestone dates labeled
5. Add scenarios — toggle scenario adjustments (see Scenario Toggles below) to see how changes shift the trajectory
6. Compare curves — with multiple scenarios enabled, lines appear on the same chart so you can see the relative impact of each change
7. Read the observations panel — automated factual notes list specific dates when Net Cash Value crosses key thresholds under each scenario

Inputs

The tool reads from your recorded data. No manual entry required to run the baseline — but understanding each input helps you assess confidence in the projection:

Reading the Results

The main chart projects Net Cash Value (total cash value minus total loan balances) forward in time. The line shows your trajectory under each scenario. Labeled markers highlight when Net Cash Value crosses round-number milestones — $100K, $250K, $500K, or whatever thresholds are relevant to your system.

The observations panel translates the chart into plain text: "Baseline: Net Cash Value reaches $300,000 by March 2028. With faster repayment: Net Cash Value reaches $300,000 by November 2026." This makes it easy to compare scenarios without reading the chart.

Event markers appear on the timeline where upcoming events create inflection points — a note maturing returns capital, a new deployment draws down Net Cash Value, a premium increase accelerates growth.

Scenario Toggles

Add scenarios to the baseline without changing your recorded data:

Faster repayment — increase your monthly repayment beyond your current schedule. See how a higher monthly commitment shortens the timeline to loan payoff and accelerates Net Cash Value recovery.

New deployment — model a hypothetical loan and deployment. Enter the amount, expected deployment return, and start date. The chart shows the initial dip in Net Cash Value from the new loan, then the recovery trajectory as repayment proceeds.

Premium increase — model increasing your PUA contribution. Shows how additional premium accelerates cash value growth and how quickly the compounding effect materializes on the chart.

Combined — you can enable multiple scenarios simultaneously to see their combined effect. For example: faster repayment plus a new deployment shows whether the repayment commitment you are considering is sustainable alongside the planned deployment.

All scenarios are labeled "Modeled · Illustrative · Not recorded" and do not affect your actual tracked data. You can clear all scenarios and return to the baseline at any time.

Common Use Cases

Near-term planning: Set a 1–2 year horizon to model whether a deployment you are considering is feasible given your current repayment commitments. Does the new loan push Net Cash Value below a level you are comfortable with?

Long-term trajectory: Set a 5–10 year horizon to see the compounding effect of current premiums and the flywheel building. Where is the system headed if nothing changes?

Repayment commitment decisions: Toggle different repayment amounts to find the monthly commitment that brings Net Cash Value to a target level by a target date. Use this as an input to your planning — not a mandate.

Actual results depend on carrier dividend scales and future conditions.

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.