Step 1
Type in your numbers by hand
Enter balances, rates, minimums, income, and expenses. Version 1 does not connect to a bank or ask you to log in.
X Debt by Velocity
Your fastest, cheapest path out of debt, mapped from your own numbers.
Enter your debts, income, and monthly expenses. X Debt by Velocity analyzes them together and builds a payoff plan designed to get you debt-free in the shortest time while keeping the most money in your pocket. It also shows you, side by side, how other popular methods like velocity banking and infinite banking would stack up for you. It's free, private, and does not require account information.
Free — no account, no subscription
This is an educational calculator. It is not financial, insurance, tax, or legal advice. This calculator sells no products. Results are estimates based on the numbers you type in and will not match a lender’s or insurer’s statement exactly. For people 18 or older in the United States only.
How it works
Three steps. You stay in control of every figure, and you would carry out any strategy yourself.
Step 2
Add a line or a policy only if you have one to model
A HELOC or personal line of credit, and an existing whole life policy, are optional. The calculator does not offer a loan, sell insurance, or sketch a new policy.
Step 3
Compare the estimates
You get a side-by-side table, including a fairness control and optional stress tests. A refresh starts over. You can print the page if you want a copy.
Strategies it compares
Every path uses the same starting numbers you entered. The table can show that a popular method loses. It does not pick a product for you.
Baseline
Minimum payments
Only the minimums you enter. This is the “do nothing extra” comparison so the other paths have an honest baseline.
Extra payment
Debt snowball
Pay every minimum, and put your extra payment toward the smallest balance first. When that one is gone, roll the payment to the next-smallest.
Extra payment
Debt avalanche
The same extra payment, aimed at the highest interest rate first.
Optional line of credit
Velocity banking
Income and bills go through a HELOC or personal line of credit, and leftover credit may be used for larger “chunk” payments. A HELOC is usually secured by the home; missed payments can put the house at risk. Rates are often variable.
Optional existing policy
Infinite banking
A loan against the cash value of an existing whole life policy, while premiums continue. Version 1 does not model buying a new policy, and it does not recommend surrendering or stopping a policy. Dividends are not guaranteed. This is not a policy illustration.
Fairness control
Consolidate, then avalanche
A one-time draw or policy loan on the same facility you entered, then avalanche the rest — without paycheck cycling. This exists so a lower rate is not mistaken for a strategy win.
Your numbers stay on your device
The payoff math runs in your browser, on this device. The host serves only the page and its scripts. It does not receive, log, or store your debts, income, or policy values.
Version 1 does not use cookies or browser storage for those inputs. A refresh starts over. You can print the page if you want a copy. This preview has no analytics or advertising pixels.
What this calculator does not do
It does not talk to creditors, move money, open a loan, or sell a policy. It is not a debt-relief service, a lender, or an insurance agency.
If you are behind on payments or in default, this tool is not a substitute for nonprofit credit counseling or official consumer help.
Honest risk notes
These warnings belong on this page, not only in the fine print. Please read them before you use the estimates.
Estimates, not advice
X Debt by Velocity is an educational calculator. It is not financial, insurance, tax, or legal advice. This calculator sells no products. Confirm figures with your lender, insurance professional, or tax professional before you act. For people 18 or older in the United States only.
A HELOC uses your home as collateral
A home equity line of credit is usually secured by your home. Missed payments can put the house at risk — a different risk than a credit-card collection call. HELOC rates are often variable, and a teaser rate can expire. Read the official explainer: What is a HELOC? from the Consumer Financial Protection Bureau (opens in a new tab).
Policy dividends are not guaranteed
Infinite banking in this tool is modeled only on an existing whole life policy you type in. Dividends are not guaranteed. A carrier illustration — with guaranteed and non-guaranteed columns — is the real document; this app is not that illustration. A policy loan reduces the death benefit. A lapse or surrender with a loan outstanding can create taxable income.
Questions
Short answers. The calculator itself does not add anything beyond what is written here.
Is it free?
Yes. There is no account, no report fee, and no subscription.
Do I have to connect my bank?
No. Version 1 is hand-entered numbers only. There is no bank login.
Is my information saved?
No. The math runs on your device. This page does not save your debts, income, or policy values on a server, and it does not store them in the browser after you leave. A refresh starts over.
Will this settle or lower my debts?
No. The app does not negotiate with creditors, change the terms of any debt, or move your money. You would carry out any strategy yourself. The results are estimates, not a promise.
Is this financial advice?
No. It is an educational comparison of methods using the numbers you enter. It is also not insurance, tax, or legal advice.
Is this a loan offer or an insurance illustration?
No. It is not a lender quote and not a policy illustration. It does not recommend opening a HELOC, buying a policy, surrendering a policy, or stopping premiums.
Can I model a new life insurance policy?
No. Version 1 only models an existing whole life policy you already have and type in. Universal life, indexed UL, and variable life are not modeled.
Who is it for?
People 18 or older in the United States who want to compare payoff methods on numbers they enter themselves.
Compare the paths on your numbers
Free to use. No account. The estimates stay on your device.
Start comparingEducational calculator. Not advice. This calculator sells no products. Results are estimates, not a promise.