One of your most important assets is your ability to earn a paycheck. This calculator is designed to help you understand today's value of your future earnings. Use this calculator to determine your economic value for your loved ones… your Human Life Value.
Calculating your Human Life Value…
Value calculated as
| Years until retirement | |
|---|---|
| Current annual income | |
| Return on investments | |
| Expected annual inflation rate | |
| Expected income growth | |
| Human Life Value adjusted for income growth | |
| Human Life Value adjusted for income growth and inflation |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionKnow where you stand. This calculator adds up what you own and subtracts what you owe to estimate your net worth — the clearest single snapshot of your financial position.
Calculating your Net Worth…
Net worth overview
| Assets | |
|---|---|
| Cash & checking | |
| Savings | |
| Investments | |
| Retirement accounts | |
| Home value | |
| Other real estate | |
| Vehicles | |
| Other assets | |
| Total assets | |
| Liabilities | |
| Mortgage | |
| Home equity loan | |
| Credit card debt | |
| Student loans | |
| Auto loans | |
| Other liabilities | |
| Total liabilities | |
| Net worth |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionSee what today's savings could be worth tomorrow. This calculator projects the future value of a present balance plus recurring deposits — with your choice of compounding and deposit frequency — so you can judge whether your current pace will get you where you want to go.
Initial deposit made on start date. First periodic payment is on start date if deposits at beginning, otherwise one period after start.
Calculating your Future Value…
Future Values of Deposits
| Number of deposits | |
|---|---|
| Total time covered | |
| Total deposits (withdrawals) | |
| Interest earned | |
| Future value |
| Start date | |
|---|---|
| End date | |
| Initial deposit amount | |
| Rate of return | |
| Periodic deposit | |
| Deposit frequency | |
| Compound interest | |
| Deposits at beginning |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionNominal returns aren't the whole story. This calculator shows what's left after taxes take their cut and inflation erodes purchasing power — your savings in today's dollars.
Calculating your savings…
Balance by Year
| Amount currently invested | |
|---|---|
| Monthly contributions | |
| Years | |
| Expected return | |
| Federal tax rate | |
| State tax rate | |
| Expected inflation rate | |
| Future value (no taxes or inflation) | |
| Future value (after taxes and inflation) |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionSee what compounding can do. This calculator shows how your savings grow when interest earns interest — and how the frequency of compounding changes the result.
Calculating your savings…
Balance over time
| Starting amount | |
|---|---|
| Additional contributions | |
| Years to save | |
| Rate of return | |
| Frequency | |
| Interest compounding | |
| Total contributions | |
| Ending balance | |
| Total interest earned |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionHow much life insurance do you need? This calculator projects inflation-adjusted expenses and income year by year over the years your family needs coverage, discounts the gap to today's dollars, adds one-time expenses at death, and subtracts assets you already have — the remainder is the additional life insurance to consider.
Monthly amounts. Each stream can start in a future year and last a set number of years.
Monthly amounts. Each category can start in a future year and last a set number of years.
Income streams are reduced by the income tax rate. Both income and expenses are grown at the inflation rate and discounted at the return rate to present value. Expenses at death are one-time and not discounted.
Calculating your life insurance need…
Yearly expenses and income — adjusted for inflation
| PV of future expenses | |
|---|---|
| PV of future income (after tax) | |
| PV gap — future expenses minus income | |
| Plus: expenses at death | |
| Total need (today's dollars) | |
| Less: total assets | |
| Less: existing life insurance | |
| Additional life insurance needed |
| Years insurance must last | |
|---|---|
| Inflation rate | |
| Return on investments | |
| Income tax rate | |
| Total assets to cover expenses | |
| Total expenses at death |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionLong term care is needed by those who can't perform the basic tasks required to take care of themselves. This can include people suffering from a debilitating illness or chronic injury. The need for long term care can arise unexpectedly, often creating a large financial burden. This calculator can help you determine if you are financially prepared for this impending expense.
Estimated annual cost = daily cost × 365. Total need is the sum of each year's cost grown at the inflation rate. Unprotected need = total need − funds available.
Calculating your long term care need…
Annual Cost of Long Term Care
| Estimated annual cost | |
|---|---|
| Estimated total need | |
| Estimated unprotected need |
| Estimated daily cost | |
|---|---|
| Funds currently available | |
| Inflation rate | |
| Years of care |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionShould you rent or buy? This calculator compares the financial cost of buying a home to renting and investing the difference. It accounts for mortgage payments, taxes, insurance, maintenance, appreciation, inflation, and the opportunity cost of your down payment.
Loan amount and monthly P&I update instantly as you change inputs. The full comparison runs when you press Calculate.
Calculating your rent vs. buy analysis…
Equity In Your Home vs. Investment Total
Monthly Payment Breakdown — Year 1
10-Year Projected Monthly Payments
| Break-even | |
|---|---|
| Loan amount | |
| Monthly P&I | |
| Total down payment | |
| Net monthly — buy (yr 1) | |
| Monthly rent (yr 1) | |
| Home equity, yr 10 (net) | |
| Investment value, yr 10 | |
| Home equity, end of term (net) | |
| Investment value, end of term | |
| Cumulative tax savings |
| Purchase price | |
|---|---|
| Interest rate / term | |
| Monthly PMI | |
| Property tax / insurance / maint. | |
| Cash on hand / closing | |
| Monthly rent | |
| Investment return / tax / inflation | |
| Appreciation / commission |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy sessionHow much do you need to save each month to reach your down payment? Enter your home price, down payment goal, what you've already saved, and how your savings will grow.
Your down payment goal (price × down payment %) updates instantly. The monthly amount is calculated when you press Calculate.
Calculating your savings plan…
Savings Growth Over Time
| Down payment goal | |
|---|---|
| Amount currently saved | |
| Years to save | |
| Expected rate of return | |
| Monthly amount to save | |
| Total contributions | |
| Total interest earned | |
| Ending balance |
| Purchase price | |
|---|---|
| Down payment | |
| Amount currently saved | |
| Expected rate of return | |
| Years to save |
Reserve a 15-minute review to walk through your numbers and fix potential blind spots.
Book your strategy session
R. Nelson Nash
Before going through her Money Mentress Model process, I felt like I was constantly working hard but not making meaningful progress. She helped me identify opportunities I didn't even know existed and showed me how to create more control over my cash flow. The clarity and confidence I've gained have been invaluable.

R. Nelson Nash
A grassroots method of avoiding fractional reserve banking. Nelson Nash provides another generous helping of his inimitable wit and financial wisdom. This book may be the single best introduction to Nash's worldview.

R. Nelson Nash • L. Carlos Lara • Robert P. Murphy PhD
How To Secede From Our Current Monetary Regime One Household At A Time. The most succinct exposition yet of the Infinite Banking Concept, explaining IBC to the newcomer and defusing the toughest objections.

L. Carlos Lara & Robert P. Murphy, Ph.D.
Before going through her Money Mentress Model process, I felt like I was constantly working hard but not making meaningful progress. She helped me identify opportunities I didn't even know existed and showed me how to create more control over my cash flow. The clarity and confidence I've gained have been invaluable.

R. Nelson Nash
Everything you need to get started with the Infinite Banking Concept! Includes Becoming Your Own Banker softcover, Building Your Warehouse of Wealth softcover, Audio CD Set, and the Banking With Life DVD.

Dwayne Burnell
Financial expert Dwayne Burnell challenges traditional financial advice and presents a proven strategy for building and managing wealth that has been overlooked by mainstream media. Learn how to protect your savings from stock market volatility and achieve consistent growth while maintaining liquidity.

L. Carlos Lara
This book compiles expert articles explaining why choosing the right permanent whole life insurance policy is essential to successfully implementing the Infinite Banking Concept (IBC).
It serves as a practical reference for both consumers and financial professionals seeking a deeper understanding of the life insurance foundation that makes IBC possible.

Paul A. Cleveland
Professor Cleveland wrote this book to challenge common misconceptions about economics and present a fact-based account of U.S. economic history across topics like money, labor, transportation, and agriculture.
Designed for students and lifelong learners alike, it offers an eye-opening introduction to economic policy and history that is both accessible and highly recommended.

Paul L. Poirot
Pensions in America as we know them today began during World War II. First published in 1950, Paul Poirot demonstrated that the pension idea would never work. His prophecy is now apparent. A classic that has been out of print for many years, now available again.

Working with N'Marie completely changed how I think about money. Before going through her Money Mentress Model process, I felt like I was constantly working hard but not making meaningful progress. She helped me identify opportunities I didn't even know existed and showed me how to create more control over my cash flow. The clarity and confidence I've gained have been invaluable.

N'Marie has a gift for making complex financial concepts easy to understand. Her MMM approach helped me see where my money was going and how to make it work more efficiently. I now feel empowered to make financial decisions with purpose instead of guesswork.

The biggest benefit of working with N'Marie was realizing how much potential was hidden within my existing financial situation. Through her guidance and the Money Mentress Model, I discovered strategies that have improved my cash flow and given me a greater sense of financial control. I highly recommend her to anyone looking to transform the way they manage money.


“As someone who didn't grow up with any money, I had to master the principles of wealth. Today, I guide business owners and families to completely transform their assets and establish generational wealth through The Money Mentress Model, no matter where their story began.”
- N'Marie Crumbie
Primary Location:
Fountain Hills, AZ
Real Estate Areas We Serve:
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