Velocity banking is usually explained with big promises and clean diagrams. This simulator keeps it plainer: compare normal payoff against a study model where a line of credit pays chunks of principal and monthly free cash flow sweeps that line back down.
Use this for education and assumptions-checking. It does not recommend a HELOC, debt restructure, refinance, or lending strategy.
Model rule: chunks reduce the primary debt, line interest accrues monthly, and free cash flow sweeps against the line. If the primary debt is paid off, any unused regular payment also sweeps the line.
Positive means the study model paid less interest inside the selected horizon. Negative means it cost more.
Enter assumptions to compare the two payoff paths.
Study estimateThe scenario interest includes both the original debt and the line of credit. Fees, variable-rate moves, prepayment penalties, credit changes, taxes, and behavioral risk are not included.
| Starting debt balance | $0 |
| Regular monthly payment | $0 |
| Monthly free cash flow swept to line | $0 |
| Line limit | $0 |
| Requested chunk pattern | $0 |
| Scenario peak line balance | $0 |
Balances are end-of-year estimates. If a payoff happens mid-year, later rows hold at zero.
| Year | Baseline debt | Scenario primary | Scenario line | Scenario total |
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