HELOC Cash Flow Planner
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For first-lien HELOC homeowners

Stop wondering if your HELOC is working.

Every dollar that lands in your HELOC, even for a day, lowers the balance you pay interest on. This planner shows you exactly what that does to your interest and your payoff date, every single day.

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Free to start. Set up in under 5 minutes.

HELOC Cash Flow Planner overview dashboard showing balance, available credit, and payoff date
Example numbers
A couple looking overwhelmed by scattered bank statements and a spreadsheet at their kitchen table

You set this up to pay off your house faster. Then the spreadsheets started.

You know the idea. Money in, money out, balance down. But the daily interest math lives in a spreadsheet you hope is right, and you can't tell what last week's draw really cost you. It's your biggest debt. You should be able to see it working.

Made by people who use this strategy

We run the same strategy, and we wanted an easier way to see how it works. So we built it. If you're using a first-lien HELOC, or wondering if one could work for you, this is for you.

How the balance comes down, day by day.

Built by someone who runs this same strategy, so it shows you the daily math you've been guessing at.

01Day 1: Your paycheck lands

The moment your income hits the line, the balance you're charged interest on drops.

Not at the end of the month. Right away.

Balance before payday (example):$226,439.00
Paycheck deposited-$9,500.00
New balance interest is charged on$216,939.00
Property and credit line setup with example numbers
Example numbers
Recurring card-payment drafts tracked to the day
Example numbers
02Days 1 to 30: You live your life

Pay the card, buy groceries, cover the bills, all from the line.

The planner tracks every dollar to the day, so you don't have to.

Tracked to the dayEvery transaction is dated, so you can see what last week's draw really cost you.
03Every day: Interest melts

See the daily balance and the interest it earns, day by day.

Watch the charge shrink as money sits in the account.

Daily interest (example)$50.50 / dayFalls with each deposit
The mathBalance x rate / 365Charged daily, not monthly
Savings buckets inside the HELOC line of credit
Example numbers
04Every month: What's left over pays down your mortgage

Whatever you don't spend permanently lowers what you owe.

Your payoff date moves closer.

Payoff trajectory

Same $250,000 balance. A 30-year mortgage at 3.5% vs. this strategy at 8.5% with a $3,000/mo surplus.

Sample numbers. Estimate only.

Even at a higher rate, the daily-balance advantage means this strategy is paid off years sooner. Sample numbers, estimate only.

This strategy, $3K/mo surplus (estimate)
Typical 30-year mortgage

These are just sample numbers to quickly show how this strategy can apply. Sign up free to enter your own numbers and see real data.

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How you get started

You already did the hard part and set up the strategy. This is the part that shows you it's working.

1

Add your numbers.

Your balance, your credit line, your income, and your bills. Under 5 minutes.

2

Live your normal life.

Run paychecks and spending through the line like you already do.

3

Watch it work.

See your interest and payoff date change, and test a draw before you take it.

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Everything your spreadsheet is missing.

Each one shows you something you've been guessing at.

Daily interest engine

See exactly what interest you're being charged each day, and why.

Savings buckets

Set money aside for taxes, trips, and repairs without losing track of what's really yours.

Payoff projections

Ask 'what if I take a draw?' and see the effect on your payoff date before you decide.

Available credit as a tool

Know how much room you have and what using it would do.

Recurring card-payment drafts

Automatic payments are planned in, so nothing surprises your balance.

Helo, your AI guide

Ask a plain-English question about your numbers and get a plain-English answer.

See it before you start.

Every screen answers one question: where do you stand today?

Overview dashboard of HELOC Cash Flow Planner
Example numbers

Overview dashboard

Your balance, available credit, and payoff date in one glance.

Payoff trajectory curve vs traditional mortgage
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Payoff trajectory

See how far today's habits take your payoff date.

Savings buckets inside the HELOC line of credit
Example numbers

Savings buckets

Every dollar has a job, and you can see it.

Planning help, not financial advice

Planning help, not financial advice.

This planner gives planning guidance. It is not licensed financial advice. Every number is an estimate based on what you enter. Your information isn't shared or sold.

Your HELOC is already working. Now you can see it.

Add your numbers in under 5 minutes, and see today's balance, today's interest, and your payoff date.

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