Velocity banking, testedDoes velocity banking work? We ran the numbers.
Most velocity banking content sells a course. This site just runs the math. Pick your mortgage rate and HELOC rate to see whether the method beat plain extra payments, and by how much. Start with the break-even rate table.
3% mortgage, 6% HELOC-$712 vs extra payments3% mortgage, 8% HELOC-$2,089 vs extra payments3% mortgage, 10% HELOC-$3,520 vs extra payments4% mortgage, 6% HELOC+$403 vs extra payments4% mortgage, 8% HELOC-$1,134 vs extra payments4% mortgage, 10% HELOC-$2,726 vs extra payments5% mortgage, 6% HELOC+$1,754 vs extra payments5% mortgage, 8% HELOC-$18 vs extra payments5% mortgage, 10% HELOC-$1,857 vs extra payments6% mortgage, 6% HELOC+$3,654 vs extra payments6% mortgage, 8% HELOC+$1,628 vs extra payments6% mortgage, 10% HELOC-$532 vs extra payments7% mortgage, 6% HELOC+$6,050 vs extra payments7% mortgage, 8% HELOC+$3,674 vs extra payments7% mortgage, 10% HELOC+$1,152 vs extra payments
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Built by Joe Peinado. About and method | Break-even rates | All scenarios
Educational estimate, not financial, tax or legal advice. Fixed mortgage rate, HELOC interest charged monthly, paychecks at the start of the month, spending spread evenly, no fees. Real lenders, rate changes and fees will change the result. Talk to a licensed professional before moving money.