Velocity Banking Strategy

What is velocity banking?

Velocity banking is a debt payoff strategy that uses a line of credit (often a HELOC) as a checking account to accelerate mortgage payoff by directing large principal chunks at your highest-interest debt.

How VestmentPulse models it

When you add an investment with a Split Payment configured, VestmentPulse tracks:

• Full payment — your standard monthly payment
• Split payment — the extra principal chunk directed at a target debt
• Cashflow — net income after both payments

Setting up velocity banking

1. Open an investment and scroll to Split Payment
2. Enter the amount you're chunking from this investment's cashflow toward a target debt
3. VestmentPulse subtracts this from net cashflow and shows your accelerated payoff timeline

The Income Stacking connection

As investments pay off debts, freed-up cashflow gets redirected into more investments — this compounding effect is the core of Income Stacking. Your dashboard tracks the net result in real time.