Enter your numbers below. You will see your DTI today, how it compares to the 43% threshold most lenders use, and your estimated mortgage-ready date with a structured plan.
Estimates are fine. You can refine everything later inside the program.
Enter each debt and your honest monthly budget — get a month-by-month plan to debt-free, and see whether avalanche, snowball, or velocity banking wins for your situation.
Be honest here. A plan built on a fantasy budget gets abandoned the first hard month.
| Name | Balance ($) | APR (%) | Min. payment ($) |
|---|
Optional. Fill in Step 1 too — velocity banking runs on your real cash flow (paycheck parked on the line, expenses out, and the difference attacks your debt daily).
Instead of chipping away one payment at a time, you use a line of credit as a tool: draw a lump-sum “chunk” to knock out a debt, park your paycheck on the line so your money fights interest every day of the month, pay expenses from the line, and let your leftover cash flow clear it — then repeat. Every chunk frees up a monthly payment, which makes the next cycle faster.
| Month | Payments | Interest | Remaining total |
|---|
Your payoff order and month-by-month schedule are one step away. Tell us where to send your plan.
We will email you a copy and Nohea's team may follow up to help. No spam, unsubscribe anytime.
These figures are educational estimates based on the balances, rates, and payments you entered, with interest compounded monthly. Velocity banking projections additionally assume your line’s APR stays fixed, your paycheck is parked against the line all month, and disciplined spending from the line — real line rates are variable and results depend on consistency. They are not financial advice or a payoff guarantee — actual creditor terms vary.
Lenders look for a debt-to-income ratio of 43% or better. Run your numbers in two minutes and see where you stand today.