Federal Reserve Interest Rates Calculator

Whole Life Banking — Rate Linkage & Loan Strategy (Simplified)
Whole Life Banking — Rate Linkage & Loan Strategy Calculator
Simplified: you edit only the core drivers. Policy-loan and bank-loan rates are auto-derived from Fed rates + spreads. PUA is calculated (not editable). Educational model only.

1) Fed Rate Linkage Inputs

Editable: Discount + spreads (or Funds/Prime override)
Discount ↔ Funds ↔ Prime
Preset
Federal Discount Rate (%)
Discount → Funds spread (%)
Funds → Prime spread (%)
Federal Funds Rate (%)
Prime Rate (%)
Default linkage: Funds = Discount − (Discount→Funds spread). Prime = Funds + (Funds→Prime spread). If you override Funds or Prime, the calculator infers the implied spread.

2) Loan Pricing & PUA (Auto)

Editable: loan amount, term, tax, policy vs bank spreads
Rate Transmission (Core drivers only)
Policy Loan Rate = Funds + spread (%)
Bank Loan Rate = Prime + spread (%)
Derived Policy Loan Rate (%) —
Derived Bank Loan Rate (%) —
Repay rate for comparison
Manual repay rate (%)
Loan Inputs + Calculated PUA
Loan Amount ($)
Months / Term
Income Tax Rate (Fed + State) (%)
Calculated “PUA” (over-repayment total, $) $—
How PUA is calculated (Repay − Policy) × Loan × (Months/12)
PUA is not editable: it is computed from the difference between the repay rate you choose and the policy loan rate, over the loan term, on the loan amount (simple, transparent approximation).

3) Compare Net-Financial Assets (to 30 Years)

Only essential assumptions remain
Savings / “Banking” Side
Starting Amount ($)
Banking growth rate (%)
Annual Deposit ($)
Whole Life Banking Side
WLB internal growth rate (%)
PUA credited growth rate (same as WLB growth)
Projection Years
Year-by-Year Comparison
Year Banking Whole Life Banking PUA Disparity (WLB − Banking)
Rate sensitivity: When Fed policy pushes rates up, the “bank loan rate” typically rises faster/above policy loans (depending on your spreads), increasing capital leakage on the banking side. This model shows that directional effect.

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