Mortgage Velocity Calculator
Compare a traditional mortgage payoff to a velocity banking HELOC chunking strategy or an all‑in‑one 1st position offset account. This is an educational tool only and not a commitment to lend.
Chunking uses a separate HELOC to make periodic lump-sum payments toward principal. All-in-one uses a single 1st position line of credit where income and expenses flow through one account.
Total take-home income flowing through your account.
Living expenses, debts, etc., not including your current mortgage payment.
Amount you want to keep as a safety buffer.
Estimated interest rate on the line of credit / AIO account.
Max HELOC limit (used in chunking mode).
HELOC draw amount applied to principal in chunking mode.
How often to make a new chunk (chunking mode only).
Maximum number of years to simulate for comparison.
Traditional vs Selected Strategy
Payoff Snapshot
Snapshot of payoff time and total interest for each strategy.
| Scenario | Payoff Time | Total Interest | Total Cost (Principal + Interest) |
|---|
This simulator provides estimates for illustrative purposes only and is not a commitment to lend, a rate quote, or financial advice. Actual results depend on your specific loan terms, rate changes, spending patterns, and program guidelines.
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