X Debt by Velocity — Your Financial GPS

Your cash flow

Enter monthly income and living expenses that are not debt payments. Put a mortgage or existing HELOC in the debt list, not in expenses. If you add a whole life policy below, its premium is added automatically — do not also include that premium in expenses.

Monthly income ($)

Monthly living expenses ($)

Monthly bills you can charge on a card ($)

Extra payment toward debt ($ / month) Leave blank to use all leftover income after expenses and minimums.

Pay frequency Used for velocity banking’s paycheck-timing estimate. Other paths use monthly totals.

For credit-card velocity, enter bills you can actually charge. Leave that field at 0 if you pay all living expenses in cash. Do not include rent or other bills you cannot charge. This form does not guess the split.

Debts

Type each balance, annual rate, and minimum payment by hand. Do not enter account numbers. Mark variable-rate debts so rate-shock can apply to all of them, not only a HELOC. Promotional or deferred-interest, federal student loans, and collections can be flagged; those programs are not fully modeled.

Credit-card velocity options

These apply only if you entered a credit limit on a card and a dollar amount of bills you can charge. This method does not create extra income.

Which card to pay down first

Optional cash-back / rewards on charged bills (%)

A rewards percent is a small credit on the bills you charge. It is not a reason to ignore interest. Many cards do not earn rewards on cash advances or balance transfers.

Optional line of credit (for velocity banking)

Optional existing whole life policy (for infinite banking)

Stress tests

These run on the same free page so a teaser rate or a tighter month cannot hide. They are estimates only.

Rate shock on every variable-rate debt or facility

Income drop

Before you run the numbers

Estimated comparison

At a common month

Notes and warnings

These figures are estimates using monthly interest on ordinary debts (balance × APR ÷ 12), daily balances on a modeled line of credit (30-day months), and a pay-first average-daily-balance estimate on credit-card hubs, including interest on new purchases when a balance is carried. Transfer and cash-advance fees are the amounts you entered. Minimums you type are treated as fixed unless you enter a percent-of-balance rule. A path is finished only when the debts you entered and any line, policy loan, or transferred balance used by that path are estimated at $0, or the run stops after 50 years. This is not a promise of results and not a recommendation to open, close, surrender, or stop paying any account or policy.