IBT - International Brotherhood of Teamsters

This calculator will compare investing dues money with IBT versus an investment program of your choice. This is money you could use for your first home, children's education or retirement.

At first glance, union dues may not seem that unreasonable. That is, until you start to add them up month after month, and year after year. Then, it becomes a lot more money than you may think. Especially when you add on top of that the returns you could have earned by putting your money into some type of investment (such as ABX's CAP/401(k) program, mutual funds, stocks, etc.).

Take a look at how much you could have earned over the years if you'd been able to invest that money instead of having to hand it over to IBT. Simply answer the questions on the left and watch your dollars add up on the far right.

To calculate your investment potential:
Complete the statements below and click:

1.Current Hourly Pay $
2.Current Age
3.Select an Investment Strategy*

Annual Union Dues
Typical Retirement Age 65
Years until your Retirement
Your Potential Return on Investment (ROI)
# of Years Invested Lost IBT Dues vs. *Your Earned Investment
3 vs.
5 vs.
10 vs.
vs.
Your **estimated earned investment of at age 65 could provide you with in extra income per month (at 7.5%) for the rest of your life.

*Assumes the following ROI:
**Low Growth Rate at 7.5% Annually
(suggested for those age 50 or over)
Moderate Growth Rate at 10% Annually
(suggested for those age 40-49)
Aggressive Growth Rate at 12.5% Annually
(suggested for those age 18-39)


Isn't your future and your family's future more important than the IBT's? Of course it is. The way to control your financial future is by controlling where you invest your hard-earned money today. Where do you get the best rate of return? Through the union or through your own investments?