Most homeowners are told there are only two options: pay the minimum for 30 years, or refinance. There is a third. This simulator runs your real numbers side by side so you can see the difference in dollars, not theory.
No account, no credit check, and nothing is submitted until you choose to.
Nothing here is exotic. It is the difference between money sitting still in a checking account and money working against a balance every single day.
Instead of parking your paycheck in a checking account earning nothing, it lands against a line of credit. Interest is charged on the average daily balance, so every day your money sits there, it is working.
Whatever is left after your bills gets applied straight to principal in chunks, not spread thin across a 30-year amortization schedule where the bank front-loads the interest.
Each chunk lowers the balance the next month's interest is calculated on. The effect builds on itself — which is exactly what the simulator below is measuring.
Everything updates as you type. Nothing is submitted anywhere until you decide to send it.
| As it stands | With the strategy | |
|---|---|---|
| Years to payoff | 28 yr 0 mo | 6 yr 9 mo |
| Total interest paid | $513,394 | $100,996 |
| Total cost of the house | $913,394 | $500,996 |
| Interest you keep | — | $412,398 |
Your current plan is a standard amortization of the balance you entered at your current rate over the years remaining. The accelerated plan applies your monthly surplus against principal each month through the line of credit, and charges interest on the line at the rate you entered against its average balance. Rates are assumed to hold steady, and the model does not include closing costs, taxes, or the effect of any extra payment you already make. This is an estimate to show you the shape of the opportunity, not a loan offer or a commitment to lend.
With $3,632 a month of surplus, you have the engine this strategy runs on. The next step is confirming your actual HELOC options and building the schedule around your real bills.
Check your inbox in the next minute for your spreadsheet and a link to book your review call.
Anyone who tells you this strategy works for every homeowner is selling you something. Here is the real filter.
It is a cousin of it, and for some people paying extra principal really is the right answer. The difference is that a line of credit charges interest on the average daily balance, so parking your income there does work for you between paydays, and it keeps your surplus accessible instead of locked into the house. The simulator above shows you what your surplus alone is worth, which is the honest floor of the strategy.
No. Nothing on this page pulls credit or submits an application. Credit is only reviewed if and when you decide to move forward on an actual line of credit, and we will tell you before that happens.
Self-employed and commission-based income is common in this strategy and is not a disqualifier. Use a conservative monthly average in the simulator, then we will build the schedule around your real pattern including the slow months.
You get your full breakdown as a spreadsheet you can keep, and a link to book a review. On that call we confirm your actual HELOC options, stress-test the plan against a rate move, and give you a straight answer on whether to proceed.
The simulator, the spreadsheet, and the review call cost nothing. If you move forward on a line of credit, you are told every cost in writing before anything is signed.
Sixty seconds to see whether the strategy is worth a real conversation, or whether you are better off leaving your mortgage exactly where it is.