Truth In Equity
Credit Line Banking Calculator
Use your credit line as a cash-flow tool to accelerate your mortgage payoff. Enter your numbers below to see your projected timeline using the Credit Line Banking method.
First Mortgage
$
Outstanding principal today
%
Annual interest rate
$
Principal + interest only
Monthly Cash Flow
$
After-tax take-home pay
$
Exclude mortgage payment
$0.00
Income − Expenses − Mortgage
Credit Line / 2nd Lien
$
Maximum available credit line
%
Annual rate (often prime + margin)
$
Current estimated market value
Payoff Summary
Estimated Mortgage Payoff Timeline
— yrs — mos
Monthly Surplus (S)
—
Income − Expenses − Mortgage
Monthly Credit Line Interest
—
On full credit line limit
Monthly Harvest (Hₙ)
—
Surplus − Credit line interest
Effective Monthly Attack
—
PMT principal + S − Credit line cost
LTV Ratio
—
Combined / Market Value
Total Interest Saved
—
vs. standard amortization
Formula Applied
—
Amortization Schedule
| Month | Date | Beg. Balance | Principal Paid | Interest Paid | Credit Line Deployed | End Balance |
|---|
Important: Results are estimates based on the inputs provided and the Credit Line Banking formula. They assume consistent cash flow, fixed interest rates, and disciplined execution of the strategy. Actual results vary based on individual circumstances, payment behavior, market conditions, and other factors. This calculator is for informational and educational purposes only — it is not a loan offer, a guarantee of results, or financial advice. Consult with a Truth In Equity consultant for personalized analysis.
Ready for a personalized analysis?
This calculator shows the math. A Truth In Equity consultant can show you how Credit Line Banking applies to your specific mortgage, income, and goals — and whether you qualify.
Get Started →