Clearpath — Velocity Banking

Clearpath

Velocity Banking Dashboard

HELOC 7.54% LOC ~11.5% BT 0% CC 28–32%

Instrument 1 · Bulk Absorber

PSECU HELOC

7.54%

APR · Secured · Rental

Absorbs large CC chunks. Lowest rate in your arsenal. Sit & grind principal.

Instrument 2 · Velocity Engine

APCI LOC

11.5%

APR · Unsecured · Fluid

Paycheck flows in. Expenses flow out. Daily average balance drops = interest savings every single day.

Instrument 3 · The Enemy

Credit Cards

—%

Avg APR · 0 accounts

Target for elimination. Every dollar moved to HELOC saves 20+ points of interest rate spread.

Total CC Debt

$0/yr in interest

Est. Interest Saved / yr

moving CC → HELOC

Monthly Surplus

after expenses + minimums

Est. Debt-Free

—

with velocity strategy

Payoff Timeline · Velocity Strategy

Active Debts

📊

No debts yet

Add debts in My Debts tab

Configure Your Instruments

Set up your three financial instruments. These rates drive all savings calculations throughout the app.

● INSTRUMENT 1 — HELOC (Bulk Absorber)

Lender Name

APR (%)

Credit Limit ($)

Current Balance ($)

● INSTRUMENT 2 — LOC (Velocity Engine)

Lender Name

APR (%)

Credit Limit ($)

Current Balance ($)

● INSTRUMENT 3 — Credit Cards

Managed in the My Debts tab. Avg rate calculated automatically.

Add Credit Card / Debt

Account Name

Current Balance ($)

APR (%)

Min. Monthly Payment ($)

Your Debts

💳

No debts added

Add your credit cards above. The app will calculate optimal transfer order.

Monthly Income

Take-Home Pay ($)

Other Income ($)

Monthly Expenses (excluding debt payments)

Housing / Rent ($)

Utilities ($)

Groceries ($)

Transport ($)

Insurance ($)

Subscriptions ($)

Dining / Fun ($)

Other ($)

Cash Flow Summary

Total Income

Living Expenses

Debt Min. Payments

Net Surplus

available to attack debt

Paycheck Velocity Allocation

How much of your monthly surplus do you direct toward extra debt repayment through the LOC?

Extra debt payment $0 / mo

How Velocity Banking Saves You Money

Your LOC charges interest on the average daily balance. When your paycheck deposits on day 1, it immediately reduces that balance. As you spend throughout the month, it rises back — but every day it sat lower saved you interest. This is the velocity effect: income parked in the LOC works for you every single day.

Monthly Paycheck ($)

Monthly Expenses ($)

LOC Balance Before Paycheck ($)

LOC APR (%)

Avg Days Paycheck Sits Before Spent

Monthly Interest Saved (parking)

vs. keeping income in checking

Annual Parking Savings

just from the velocity effect

Interest Without Velocity

paying on full balance all month

Interest With Velocity

with paycheck reducing balance

Full Rate Arbitrage: CC → HELOC Savings

The big win isn't just parking — it's the rate spread. Here's what moving each CC to your HELOC saves per year.

Account	Balance	Current APR	Interest/yr (at CC rate)	Interest/yr (at HELOC rate)	Annual Savings
Add debts in My Debts tab to see savings
TOTAL ANNUAL SAVINGS			—	—	—

HELOC Chunk Transfer Plan

A "chunk" is a large CC balance transferred to your HELOC. You don't move everything at once — you chunk strategically based on your HELOC availability, then use your monthly surplus to pay it down before pulling the next chunk. This plan shows the optimal sequence.

HELOC Available ($)

Monthly Extra Payment ($)

Target Months to Clear Each Chunk

Optimal Transfer Sequence

Highest-rate CC absorbed first

📋

No debts to plan

Add your credit cards in My Debts tab first.

Your Pay & The Purchase

Enter your weekly take-home, your fixed obligations (rent, bills, minimums), and a purchase price. All time and percentage calculations use your truly free money — not your gross pay — so the weeks-of-work number reflects what the purchase actually costs in terms of discretionary income, not the paycheck illusion.

Weekly Take-Home Pay ($)

Weekly Fixed Obligations ($) rent, bills, minimums

Hours Per Week Worked

Purchase Price ($)

Item Name (optional)

Highest CC APR (%) auto-filled

Balance Transfer Details

INSTRUMENT 4 · TEMP WEAPON

Enter the details of your 0% balance transfer offer. The calculator will tell you exactly whether the fee is worth it, how much to safely transfer, and whether you can realistically clear it before the clock runs out.

Transfer Amount ($)

Transfer Fee (%)

0% Promo Period (months)

Post-Promo APR (%)

Source Card APR (% being replaced)

Monthly Payment You'll Make ($)

Transfer Start Date

Your Monthly Surplus ($) (auto-filled)

Full Cost Comparison

BT offer vs. keeping on CC vs. moving to HELOC

Enter details above

to see comparison

Month-by-Month Payoff Tracker

Can you clear it before the 0% expires?

Each square is one month. ■ Paid off ■ Remaining balance ■ Danger zone (last 3 months) ■ After promo expires

Safe Transfer Amount Calculator

Based on your monthly payment and promo months, this is the maximum balance you can safely transfer and guarantee payoff before the 0% expires — with a buffer for real life.

Safe Transfer (100% payoff)

—

cleared with zero balance by month —

Safe Transfer (90% payoff)

—

10% buffer for missed/light months

Fee at Safe Amount

—

one-time upfront cost

Break-Even Point

—

months until fee is recovered vs. keeping on CC