Cash Value Growth Calculator

Project how your whole life policy's cash value compounds over time with steady premiums and dividend growth. See where you'll be in 5, 10, and 20 years.

How cash value compounds

A whole life policy's cash value grows two ways: guaranteed accumulation set by the policy contract, and non-guaranteed dividends paid by mutual insurance companies. Because growth is uninterrupted — it compounds even while you borrow against it — the curve steepens meaningfully in the second decade.

What growth rate should you use?

Whole life policies from top mutual insurers have historically credited combined guaranteed-plus-dividend returns in the 3–5% range net of costs. Treat calculator results as a directional projection — your carrier's illustration is the authoritative document.

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