HELOC Mortgage Acceleration Calculator

See how routing your cash flow through a HELOC can pay off your mortgage years early — and exactly how much interest you'll save

Advertisement (728×90) — Replace with AdSense code

Calculator Inputs

Mortgage Info

$
%
$
yrs

HELOC Info

$
%
$

Monthly Cash Flow

$
$
$

The HELOC mortgage acceleration strategy (sometimes called "mortgage cycling" or "velocity banking") uses a Home Equity Line of Credit as a high-speed checking account. Instead of letting your paycheck sit in a bank earning little to nothing, you deposit it directly into your HELOC — immediately reducing the principal balance you owe and the daily interest that accrues on it. You then draw from the HELOC to cover your normal living expenses throughout the month. The net effect is that your surplus cash flow chips away at the HELOC, which in turn allows you to periodically take another large chunk and apply it to your mortgage. Each chunk dramatically reduces future mortgage interest because it cuts the principal balance on which interest compounds. This calculator models both your standard mortgage payoff and the HELOC-accelerated path month by month, so you can see exactly how many years you can shave off your mortgage and how much total interest you'll save.