Monthly Freedom

Turn your home equity into monthly freedom

See exactly how much cash flow you can reclaim each month by paying off high-interest credit card debt with a cash-out refinance.

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How It Works

Three steps to a lighter monthly budget

A cash-out refinance replaces your mortgage with a larger one — the difference pays off your high-interest debt instantly.

Step 01

Tap your home equity

Your home has likely appreciated since you bought it. A cash-out refi lets you borrow against that equity at a mortgage rate, which is often lower than credit card rates.

Step 02

Pay off high-rate debt

Proceeds go directly toward eliminating your credit card balances — replacing high-interest credit card debt with your mortgage rate.

Step 03

Reclaim monthly cash flow

Those minimum payments? Gone. Depending on your balances, you may free up meaningful monthly cash flow — money that's yours to keep, save, or invest.

Step 04

Break even fast

Refinancing has closing costs, so it's worth knowing how long monthly savings may take to cover them — the calculator estimates that for you.

Interactive Calculator

See your numbers in real time

Enter your current mortgage, new loan terms, and the debts you want to eliminate. Results update instantly.

Current mortgage

Home value ($)

Current mortgage balance ($)

Current monthly payment ($)

New cash-out refinance terms

New loan amount ($)

New interest rate (%)

Loan term (years)

Closing costs ($)

Cash-out for debt payoff ($)

Credit card / high-interest debts to pay off

Card / debt name

Balance ($)

Min payment ($/mo)

Enter the monthly minimum payments you currently make — these are the payments you will no longer owe after payoff.

Calculator results are estimates for illustration only and are not a loan offer or commitment to lend. Actual rates, payments, closing costs, and loan approval depend on your credit, property, and lender guidelines.

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