VelocityBankCalculator.com

Game plan every debt with one line of credit.

Load in all your debts and every line of credit or card you can chunk with, then see the full payoff cascade — month by month, debt by debt.

Plan name

Plans are saved in this browser only — no account needed.

Know your 4 vital numbers

Velocity banking only works if these are accurate. Everything below — the payoff engine, timeline, and amortization schedule — runs off these numbers.

Step 1

1 — Total income

$6,500

Total of the income table below.

2 — Total debt payments

$660

Sum of the minimum payments on your debts. Edit in Debts below.

3 — Total living expenses

$4,200

Total of the living expenses table below (no debt payments).

4 — Total cash flow

$1,640

Income − debt payments − living expenses.

Payoff order

Avalanche — chunks hit your most expensive debt first. Cheapest overall.

Income

Every dollar that lands each month, after tax. The total feeds vital number 1.

Total / mo

$6,500

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Living expenses

Everything except debt payments. The total feeds vital number 3.

Total / mo

$4,200

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Debts you're attacking

$33,000 total · $660/mo minimums · 11.23% avg rate

2 debts

Debt 1

Name

Balance

Interest rate

Minimum payment

Debt 2

Name

Balance

Interest rate

Minimum payment

Monthly cash flow

Total income

$6,500

From the income table.

Living expenses

$4,200

From the living expenses table.

Free cash flow: $2,300 / mo

Life events

Bonuses, raises, or new expenses that kick in later.

0 events

Lines of credit & cards

$15,000 of available credit to chunk with

1 tools

Name

Limit

Interest rate

Chunk size

Draw fee

Game plan results

Velocity payoff

1 yr 4 mo

$2,063 interest

Standard payoff

1 yr 4 mo

$2,000 interest

Time difference

No change

Interest difference

+$63

extra cost

With these numbers, chunking costs more than simply applying your cash flow directly. Try a lower line rate, a smaller fee, or a larger chunk.

When each debt clears

Chunks cascade to the next debt as soon as one is gone.

Credit cardOct 2026 · 2 mo

Car loanJun 2027 · 10 mo

Balance over time

All debts plus what you've borrowed on your lines, month by month.

$31,036

$28,982

$26,896

$24,802

$22,692

$20,555

$18,405

$16,241

$14,064

$11,862

$9,638

$7,396

$5,136

$2,859

$563

Debts Lines & cards

Month-by-month schedule (16 months)

Month	Debts	Lines	Chunked	Interest
1 Sep 2026	$27,649	$3,387	$5,000	$336
2 Oct 2026	$24,411	$4,571	$2,789	$582
3 Nov 2026	$19,113	$7,782	$5,000	$796
4 Dec 2026	$13,783	$11,019	$5,000	$1,002
5 Jan 2027	$9,438	$13,254	$3,981	$1,192
6 Feb 2027	$7,301	$13,254	$1,746	$1,355
7 Mar 2027	$5,151	$13,254	$1,746	$1,505
8 Apr 2027	$2,987	$13,254	$1,746	$1,641
9 May 2027	$810	$13,254	$1,746	$1,764
10 Jun 2027	$0	$11,862	$365	$1,862
11 Jul 2027	$0	$9,638	—	$1,938
12 Aug 2027	$0	$7,396	—	$1,996
13 Sep 2027	$0	$5,136	—	$2,036
14 Oct 2027	$0	$2,859	—	$2,059
15 Nov 2027	$0	$563	—	$2,063
16 Dec 2027	$0	$0	—	$2,063

Debt Payoff Game Plan

VelocityBankCalculator.com · August 6, 2026 · Highest rate first

Debts

Debt	Balance	Rate	Minimum
Car loan	$25,000	7.5%	$450
Credit card	$8,000	22.9%	$210
Total	$33,000	11.23% avg	$660

Lines of credit & cards

Tool	Limit	Rate	Chunk	Fee
HELOC (LOC)	$15,000	9.5%	$5,000	0%
Total credit	$15,000

Income

Source	Monthly
Salary / wages	$5,200
Spouse / partner income	$900
Commissions & bonuses	$200
Side work / self-employment	$200
Rental income	$0
Investment / dividends	$0
Benefits / support	$0
Other income	$0
Total income	$6,500

Living expenses

Expense	Monthly
Rent / mortgage	$1,500
Utilities (electric, gas, water)	$260
Phone & internet	$160
Groceries	$700
Eating out	$250
Fuel / transportation	$260
Insurance (health, auto, home)	$420
Childcare / school	$0
Clothing	$90
Medical & prescriptions	$80
Subscriptions & entertainment	$90
Personal care	$60
Household & maintenance	$80
Giving / donations	$50
Savings & emergency fund	$200
Misc	$0
Misc	$0
Total living expenses	$4,200

4 vital numbers

Number	Monthly
1 — Total income	$6,500
2 — Total debt payments	$660
3 — Total living expenses	$4,200
4 — Total cash flow	$1,640

Cash flow

Income: $6,500
Living expenses: $4,200
Free cash flow: $2,300

Strategy

Payoff order: Highest rate first
Debts: 2
Credit tools: 1

Fees

Draw / advance fees: $0
Total interest: $2,063

Summary

Strategy	Payoff time	Total interest
Velocity banking (chunking)	1 yr 4 mo	$2,063
Standard payoff	1 yr 4 mo	$2,000
Difference	No change	+$63 interest

Payoff dates

Debt	Month	Date
Credit card	2	Oct 2026
Car loan	10	Jun 2027

Velocity schedule

Month	Debt balance	Lines & cards	Chunked	Cumulative interest
1 · Sep 2026	$27,649	$3,387	$5,000	$336
2 · Oct 2026	$24,411	$4,571	$2,789	$582
3 · Nov 2026	$19,113	$7,782	$5,000	$796
4 · Dec 2026	$13,783	$11,019	$5,000	$1,002
5 · Jan 2027	$9,438	$13,254	$3,981	$1,192
6 · Feb 2027	$7,301	$13,254	$1,746	$1,355
7 · Mar 2027	$5,151	$13,254	$1,746	$1,505
8 · Apr 2027	$2,987	$13,254	$1,746	$1,641
9 · May 2027	$810	$13,254	$1,746	$1,764
10 · Jun 2027	$0	$11,862	$365	$1,862
11 · Jul 2027	$0	$9,638	—	$1,938
12 · Aug 2027	$0	$7,396	—	$1,996
13 · Sep 2027	$0	$5,136	—	$2,036
14 · Oct 2027	$0	$2,859	—	$2,059
15 · Nov 2027	$0	$563	—	$2,063
16 · Dec 2027	$0	$0	—	$2,063

Estimates only. Interest is modeled monthly on average balances and excludes taxes, promotional rates, and lender-specific terms. Not financial advice.