Strategy dashboard
Debt & capital strategy dashboard
Choose how debts are ordered and how you accelerate payoff—Banking Strategy / HELOC draws and freed minimums roll forward automatically each month.
Your numbers
Guided flow: enter your numbers and debts, see which payoff option gets you out of debt faster, choose your payoff approach, then pick acceleration options. Everything recalculates on every change.
Saved scenarios are stored in this browser (localStorage). Your last working inputs auto-restore on refresh.
This is the amount you choose to apply toward your strategy each month. It can be adjusted anytime based on your situation.
Used to fund your policy and support the Banking Strategy. Debt payoff occurs through policy loans and redirected payments — not direct extra payments.
Debts
Outside obligations first—your payoff approach only affects the order extra cash attacks balances after all active minimums are paid.
Compare Your Payoff Options
See which payoff option gets you out of debt faster.
Then choose how you want to accelerate it.
Same numbers you entered above—timeline and interest saved for each approach, side by side. Use the buttons below or choose Fastest Route next; Step 2 updates immediately.
Snowball
Smallest balance first
- Consumer Debt-Free Timeline
- 17 mo (1.4 yr)
- Interest saved
- $6,604
Avalanche
Highest APR first
- Consumer Debt-Free Timeline
- 17 mo (1.4 yr)
- Interest saved
- $6,604
Choose Your Payoff Approach
Ordering for consumer debt: smallest balance first (Snowball), highest APR first (Avalanche), or Fastest Route (the model runs both and uses whichever reaches total debt-free sooner; ties default to Snowball).
Acceleration Options
Standard (baseline) uses income − living expenses for debt only. Banking Strategy adds contributions, cash value growth, and policy-loan access. HELOC models the line as your cash-flow hub: income pays it down, expenses and consumer payoffs use available credit, with interest on the balance.
Banking Strategy inputs
Advanced settings
By default the model runs month-by-month until every balance in the scenario is paid (including policy loan and HELOC when used), or 30 years—whichever comes first. Use this only if you need a shorter or longer hard cap.
Projected results
Snowball · Banking Strategy
Strategy Comparison
Uses the same income, expenses, debts, and strategy budget as Step 1. Three projections run in the background—you do not need to switch strategies. Snowball (Standard) uses Snowball payoff and Standard acceleration; Banking Strategy and HELOC use your selected payoff method (Snowball).
Snowball (Standard)
Snowball · Standard acceleration
- Consumer Debt-Free Timeline
- 17 mo (1.4 yr)
- Total Debt-Free Timeline
- 17 mo (1.4 yr)
- Interest saved
- $6,604
- Ending balance
- —
No banking or HELOC vehicle in this column
Banking Strategy
Snowball · policy loan model
- Consumer Debt-Free Timeline
- 17 mo (1.4 yr)
- Total Debt-Free Timeline
- 19 mo (1.6 yr)
- Interest saved
- $5,724
- Ending balance
- $11,839
Ending Banking Strategy net (cash value − policy loan)
HELOC
Snowball · HELOC acceleration
- Consumer Debt-Free Timeline
- 3 mo (0.3 yr)
- Total Debt-Free Timeline
- 10 mo (0.8 yr)
- Interest saved
- $136
- Ending balance
- $0
Ending HELOC balance (modeled line)
Debt Payoff Order
Snowball: smallest balance is attacked first among open debts (order updates as balances change).
| # | Debt | Balance | APR | Min payment | Status |
|---|---|---|---|---|---|
| 1 | Debt 1 | $50,000 | 18.00% | $500 | Open |
Banking Strategy (engine view)
Policy draws for debt elimination run only when borrow capacity can pay off the full current target. Your monthly contribution still credits cash value each month. Freed minimums from paid-off debts stay in cash flow and stack toward policy loan principal after other minimums and the remaining monthly strategy slice after your contribution.
Month 1 — before strategic draw
After interest on debts, loan interest, CV growth, and your contribution.
- Current target
- Id 1
- Amount to eliminate target
- $50,750
- Policy cash value
- $2,909
- Policy loan balance
- $0
- Borrow capacity remaining
- $2,618
- Can borrow to wipe target?
- Not yet
Latest simulated month
End of month 19 after paydowns and recycling.
- Current target
- —
- Amount to eliminate target
- $0
- Policy cash value
- $11,839
- Policy loan balance
- $0
- Borrow capacity remaining
- $10,655
- Could wipe target if drawn now?
- No
- Freed minimums stacked (per month)
- $500
- Policy loan principal paid (sim total)
- $8,007
Income − living expenses − minimums ($500 / mo)
Your monthly strategy budget (flexible)
From your monthly strategy budget
In the model: minimums, consumer balances when applicable, policy loan paydown, and redirects.
This strategy can be very powerful when structured correctly. If you'd like help setting this up, we can walk you through it step-by-step.
Book Free Strategy CallBalance projection
Month-by-month
| Month | Consumer debt | Banking Strategy (net) | Payments |
|---|---|---|---|
| 1 | $47,650 | $2,909 | $3,100 |
| 2 | $45,265 | $3,320 | $3,100 |
| 3 | $42,844 | $3,733 | $3,100 |
| 4 | $40,386 | $4,147 | $3,100 |
| 5 | $37,892 | $4,562 | $3,100 |
| 6 | $35,361 | $4,979 | $3,100 |
| 7 | $32,791 | $5,398 | $3,100 |
| 8 | $30,183 | $5,818 | $3,100 |
| 9 | $27,536 | $6,240 | $3,100 |
| 10 | $24,849 | $6,664 | $3,100 |
| 11 | $22,121 | $7,089 | $3,100 |
| 12 | $19,353 | $7,515 | $3,100 |
| 13 | $16,543 | $7,943 | $3,100 |
| 14 | $13,692 | $8,373 | $3,100 |
| 15 | $10,797 | $8,804 | $3,100 |
| 16 | $7,859 | $9,237 | $3,100 |
| 17 | $0 | $4,795 | $11,077 |
| 18 | $0 | $8,309 | $3,100 |
| 19 | $0 | $11,839 | $1,807 |
First 24 months shown. Chart spans all 19 simulated months (through payoff or a 30-year cap).