See how much you could save by implementing IBC and Velocity Banking strategies to pay off your mortgage faster and reduce interest payments.
What is Velocity Banking?
Use HELOC as a Tool
Leverage a Home Equity Line of Credit to make large principal payments on your mortgage.
Redirect Cash Flow
Use monthly positive cash flow to pay down the HELOC balance quickly.
Repeat the Process
Once HELOC is paid off, make another chunk payment to your mortgage.
What is Infinite Banking (IBC)?
Financial Control
Become your own banker
Growing Cash Value
Build equity while reducing debt
Policy Loans
Borrow against your policy
The Infinite Banking Concept uses specially designed whole life insurance policies to create a personal banking system. This allows you to recapture interest you would normally pay to lenders while building cash value that grows tax-advantaged.
Potential Savings Example
$300,000
Mortgage Amount
Standard 30-year fixed mortgage
$247,220
Interest Savings
Using velocity banking strategy
19.4
Years Saved
Pay off your mortgage faster
Based on a $300,000 mortgage at 4.5% interest with $2,000 monthly cash flow and a $50,000 HELOC at 5.5% interest. Your actual results may vary based on your specific financial situation.
Important Disclaimer
Educational Purposes Only
This calculator provides estimates based on simplified assumptions about Velocity Banking and IBC strategies. It is for educational purposes only and not financial advice.
Results May Vary
Actual results may vary based on individual circumstances, market conditions, and implementation details. Consult with a financial professional before making decisions.
Assumptions and Limitations
The calculator uses simplified models that may not account for all variables in real-world scenarios, including changes in interest rates, income fluctuations, or other financial factors.