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Cash Flow Mortgage Payoff Calculator

See what may change when the same income and spending move through a line of credit.

Enter Your Numbers

No budget cuts. This uses the cash flow you already have.

1

Your mortgage and cash flow

Use principal and interest only—do not include escrow.

$
%
years
$
The income that would be deposited into the line.
$
Include escrow, bills, groceries, transportation, and normal spending. Do not include mortgage principal and interest.
Calculated mortgage P&I—
Current monthly outflow entered—
Cash flow already left over—
Make the estimate more preciseOptional
$
years
%

The estimate changes the rate once, then holds it there. Your loan may adjust more than once.

Line-of-credit assumptions

2nd-lien HELOC
%
$
$
$
$
Personal LOC
%
$
$
$
$
1st-lien HELOC
%
$
$
$
Cash-flow strategy details Turn these off if your account or mortgage does not support them.
months
$

Only enable recasting if your mortgage servicer allows it. Rules, minimum principal reductions, fees, and timing vary.

Recalculate every line-of-credit option at a higher constant rate.

+pts
2

Your comparison

Same income. Same spending. Different route.

You already have — left each month. No budget cut was added.

Keep paying the mortgage — No line-of-credit routing.
Use line-of-credit routing — Run the comparison to see.
Enter your current income and spending. The calculator changes the account routing—not the lifestyle you entered.
See the full comparison and assumptions

Potentially reusable capacity after five years

Repaid line principal may become available to borrow again during the draw period. It is not cash or savings, and lender access is not guaranteed.

2nd-lien HELOC—Estimated reusable line capacity.
Personal LOC—Estimated reusable line capacity.
1st-lien HELOC—Estimated reusable line capacity.
Option Debt-free Interest Fees Interest + fees Vs. current path

Estimated total debt over time

Mortgage + any remaining line balance

Estimated reusable line capacity

Credit limit minus the modeled line balance

This is potential access to borrowed funds during the draw period, subject to the lender’s terms. It is not an asset and using it increases debt.

Exactly what this calculator assumes
  • Keep current mortgage: continues the entered principal-and-interest payment. The positive cash flow remains outside the mortgage and its savings or investment growth is not modeled.
  • Changing mortgage rate: when enabled, the calculator uses the current rate until the entered change date, recalculates the payment over the remaining term at the future rate, and then holds that rate constant. Actual ARM rates and payments may adjust multiple times.
  • Unchanged spending: the calculator subtracts the same entered household spending and mortgage P&I from take-home income. It does not assume budget cuts or a new extra payment.
  • Positive cash flow: income minus household spending and mortgage P&I. The line strategies route this existing amount through debt instead of leaving it outside the loan.
  • 2nd-lien HELOC and PLOC: a chunk is drawn immediately. When paycheck routing is on, take-home pay lowers the daily line balance while estimated spending and the mortgage payment flow back out. Another chunk is drawn only after the prior line balance is cleared.
  • Mortgage recasting: when enabled, each chunk schedules a new mortgage payment after the entered delay, using the lower balance, original mortgage rate, and remaining term. The same household debt budget is maintained, so the payment reduction helps repay the line.
  • 1st-lien HELOC: take-home pay is deposited on the selected schedule; estimated non-mortgage spending is spread evenly across the year; interest is calculated daily and remains part of the line balance.
  • Available credit: estimated as the entered credit limit minus the modeled line balance. It is borrowing capacity, not cash or equity, and can change under the lender’s terms.
  • Every option: payoff requires all mortgage and line balances to reach zero. Entered up-front and annual fees are included.

Educational estimate only—not a loan quote or financial advice. Results exclude escrow, property taxes, homeowners insurance, tax effects, prepayment penalties, promotional rates, lender-specific minimum payments, draw and repayment-period changes, and changes in income or spending. Available credit assumes principal payments restore borrowing capacity during the draw period; a lender may reduce, suspend, or freeze access under the agreement and applicable law. Rates on HELOCs are commonly variable. Confirm every assumption with your mortgage servicer and prospective lender.

Sources and methodology

Questions Worth Asking

Calculator FAQ

Does this assume I cut my spending?

No. It keeps the spending you enter and uses only the cash flow already left over.

Does routing income create new money?

No. It changes where income lands and how long it lowers a daily line balance. Positive cash flow is still required.

Does this prove I should open a HELOC?

No. It is an educational estimate. Actual rates, fees, lender rules, qualification, and the risk of borrowing against your home all matter.

A calculator is a starting point

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