I am Joe Peinado. I kept hearing big claims about velocity banking, so I built a calculator that tests them with real math. It says "not yet" and "no" when the numbers say so.
This site tests velocity banking with math instead of selling it. It is an independent educational project. It is not a lender, a bank or a financial advisor, and it earns nothing from any loan, HELOC or course today. If that changes, this page will say so.
Every result comes from a month by month simulation of a mortgage and a home equity line. It compares doing nothing, sending your monthly surplus to the mortgage, and classic velocity banking, where you borrow chunks from the line to pay down the mortgage. Strategies are compared by net debt, which is what you owe minus any idle cash, so none of them wins by hoarding money.
A fixed mortgage rate, interest charged monthly, paychecks landing at the start of the month, spending spread evenly, and no fees. Lenders, variable rates, freezes on credit lines and fees will change real results, and the scenario pages show a stress test for a rate rise.
The calculator runs in your browser. The numbers you type into it are not sent anywhere. If you sign up for email, only your email address is stored.
HELOC facts come from the Consumer Financial Protection Bureau. Credit card grace period facts also come from the CFPB.
New scenarios and rate updates. No spam, unsubscribe any time. Your email is never sold.
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.