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The Velocity Banking Spreadsheet, free

The Excel tracker and step-by-step PDF from our Mortgage Killer Kit, free. Enter your email and both files land in your inbox in about a minute.

What's inside

Month-by-month mortgage balance, HELOC balance, interest on both, and your cash flow. You type in the yellow cells; the formulas do the rest.

How amortization front-loads interest, how chunking works, and the mistakes that make it backfire.

Your real surplus is income minus expenses minus your mortgage payment. Most payoff calculators skip that last part.
A HELOC only helps when it's cheaper than your mortgage. In late 2026 the average HELOC (7.29%) is about equal to a new 30-year mortgage (7.28%).
Most of the payoff speed comes from sending your surplus to principal, with or without a HELOC.

Rather not fill in a spreadsheet?

The app tracks every extra payment, updates your payoff date, and exports this same spreadsheet already filled in. Start with the free simulator.

Not financial advice. A HELOC is variable-rate and secured by your home. Rates cited: Bankrate (Sept 30, 2026) and Freddie Mac PMMS (Oct 1, 2026).