Track your HELOC strategy with CFI-based debt targeting, cash flow optimization, and real-time payoff projections. Make data-driven decisions to crush debt faster.
Free tier includes dashboard, 3 debts, and cash flow tracking.
A proven four-step process to accelerate your debt payoff using a first-lien HELOC.
Replace your traditional mortgage with a HELOC. Your home equity becomes a flexible, revolving line of credit with simple interest calculated daily.
Deposit your entire paycheck directly into the HELOC. Every dollar sitting in the account reduces your daily interest charge — even before you spend it.
Pay daily expenses with credit cards during the billing cycle. This keeps your money parked in the HELOC longer, maximizing interest savings through the float period.
When available credit builds up, make lump-sum payments against your highest Cash Flow Index debts. Each chunk frees monthly cash flow, accelerating the next payoff.
A complete toolkit for managing your Velocity Banking strategy from start to payoff.
HELOC balance, utilization, cash flow, and projected payoff date at a glance.
Automatically ranks debts by Cash Flow Index to identify the optimal payoff target.
Track income sources and expenses with frequency-aware monthly totals.
Optimize your billing cycle float to keep money parked in the HELOC longer.
Model income changes, refinancing, and extra payments to see payoff timeline shifts.
Historical snapshots and projected payoff curves with interest savings comparisons.
Personalized advice based on your CFI rankings, utilization, and cash flow data.
Visualize payment timing to optimize paycheck parking and minimize interest.
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Full velocity banking toolkit
Join thousands using the Velocity Banking method to pay off their mortgage years ahead of schedule.