ClearDeed: Mortgage Analyzer
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Everyone
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About this app
ClearDeed shows homeowners every way to pay off their mortgage — as-is, extra principal, biweekly payments, and "velocity banking" with a HELOC — ranked side by side, using the real numbers from your own loan instead of a course seller's pitch.
Plan your payoff with your own numbers. No bank connection required.
WHY CLEARDEED
• Every option ranked by total interest — as-is, extra principal, biweekly, biweekly plus extra, and two velocity-banking strategies, all with the same monthly budget by default
• Honest when the math says no — if moving your mortgage onto a higher-rate HELOC would cost you more, it says so plainly
• Built on your loan's real schedule — your original amount, rate, payment and first payment date place you exactly where you are today
• 100% manual entry — no bank login, no account linking, no sign-up
• Nothing is sent to us — no account, no cloud service, no ads, no tracking
FREE: YOUR ANSWER
• Guided setup — income and bills first, then your mortgage, your HELOC, and an optional velocity strategy, with date pickers so every date is entered correctly
• Dashboard — the two cheapest ways to pay off your mortgage, and your next step
• Compare your options — the top options side by side, with what each one actually does with your money
• How we calculate this — every assumption laid out, plus what happens when your HELOC's draw period ends and what a +2% or +4% HELOC rate would do
• No HELOC, or one you use for other things? Say you're not interested in velocity banking and compare the mortgage options on their own
• Real dates, not averages — mortgage due day, HELOC statement day, and the end of your HELOC's draw period are all in the math
OPTIONAL: MORE DETAIL
• Full analysis (one-time purchase) — every option ranked, the mortgage and HELOC interest split, and your full year-by-year amortization schedule
• Tracking (optional yearly subscription) — the Monthly True-Up: confirm your real statement balances each month, log what caused any drift, and your plan recalculates from the truth. Includes Full analysis while subscribed; cancel anytime from Google Play
TWO VELOCITY STRATEGIES, MODELED HONESTLY
• Smaller chunks — the classic cycle: a chunk goes to the mortgage each time your paychecks have paid the HELOC back to zero (or on a schedule you pick), with a suggested chunk size that costs the least interest for your numbers
• HELOC first position — move your whole mortgage onto the HELOC on day one, then pay the HELOC down
• Your HELOC as your checking account — paychecks go in, bills come out, and everyday spending can go on a credit card paid in full from the HELOC
• Optional: run your whole monthly leftover through the HELOC, where it stays available, shown next to extra principal with the same money
All of it counts every dollar of interest on both loans.
BUILT FOR HONESTY, NOT HYPE
Most velocity-banking calculators are either a free lead-capture form or the front door to a course costing thousands. ClearDeed is neither. It uses the same money for every option by default and shows you when a simpler approach — extra principal or biweekly payments — would beat the strategy. You do not need a paid biweekly program: paying a little extra each month does nearly the same thing.
Please note: ClearDeed is for planning and educational use only and is not a guarantee. It never connects to your bank or moves money. ClearDeed is not a lender, bank, or financial advisor and does not provide financial, investment, or tax advice. All projections are estimates based on the numbers you enter and are not a guarantee of any payoff date or dollar amount saved. Moving debt from a fixed-rate mortgage to a variable-rate HELOC carries real risk: the HELOC's rate can rise at any time, the lender can freeze or lower the line, and the HELOC is secured by your home too. This app contains no ads and offers an optional one-time purchase and an optional yearly subscription.
See every option honestly before you decide.
Plan your payoff with your own numbers. No bank connection required.
WHY CLEARDEED
• Every option ranked by total interest — as-is, extra principal, biweekly, biweekly plus extra, and two velocity-banking strategies, all with the same monthly budget by default
• Honest when the math says no — if moving your mortgage onto a higher-rate HELOC would cost you more, it says so plainly
• Built on your loan's real schedule — your original amount, rate, payment and first payment date place you exactly where you are today
• 100% manual entry — no bank login, no account linking, no sign-up
• Nothing is sent to us — no account, no cloud service, no ads, no tracking
FREE: YOUR ANSWER
• Guided setup — income and bills first, then your mortgage, your HELOC, and an optional velocity strategy, with date pickers so every date is entered correctly
• Dashboard — the two cheapest ways to pay off your mortgage, and your next step
• Compare your options — the top options side by side, with what each one actually does with your money
• How we calculate this — every assumption laid out, plus what happens when your HELOC's draw period ends and what a +2% or +4% HELOC rate would do
• No HELOC, or one you use for other things? Say you're not interested in velocity banking and compare the mortgage options on their own
• Real dates, not averages — mortgage due day, HELOC statement day, and the end of your HELOC's draw period are all in the math
OPTIONAL: MORE DETAIL
• Full analysis (one-time purchase) — every option ranked, the mortgage and HELOC interest split, and your full year-by-year amortization schedule
• Tracking (optional yearly subscription) — the Monthly True-Up: confirm your real statement balances each month, log what caused any drift, and your plan recalculates from the truth. Includes Full analysis while subscribed; cancel anytime from Google Play
TWO VELOCITY STRATEGIES, MODELED HONESTLY
• Smaller chunks — the classic cycle: a chunk goes to the mortgage each time your paychecks have paid the HELOC back to zero (or on a schedule you pick), with a suggested chunk size that costs the least interest for your numbers
• HELOC first position — move your whole mortgage onto the HELOC on day one, then pay the HELOC down
• Your HELOC as your checking account — paychecks go in, bills come out, and everyday spending can go on a credit card paid in full from the HELOC
• Optional: run your whole monthly leftover through the HELOC, where it stays available, shown next to extra principal with the same money
All of it counts every dollar of interest on both loans.
BUILT FOR HONESTY, NOT HYPE
Most velocity-banking calculators are either a free lead-capture form or the front door to a course costing thousands. ClearDeed is neither. It uses the same money for every option by default and shows you when a simpler approach — extra principal or biweekly payments — would beat the strategy. You do not need a paid biweekly program: paying a little extra each month does nearly the same thing.
Please note: ClearDeed is for planning and educational use only and is not a guarantee. It never connects to your bank or moves money. ClearDeed is not a lender, bank, or financial advisor and does not provide financial, investment, or tax advice. All projections are estimates based on the numbers you enter and are not a guarantee of any payoff date or dollar amount saved. Moving debt from a fixed-rate mortgage to a variable-rate HELOC carries real risk: the HELOC's rate can rise at any time, the lender can freeze or lower the line, and the HELOC is secured by your home too. This app contains no ads and offers an optional one-time purchase and an optional yearly subscription.
See every option honestly before you decide.
Shred the term — compare extra principal, biweekly & velocity banking
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- No data collectedLearn more about how developers declare collection
What’s new
What's new in this update:
• A short terms screen on first open: review the Terms, EULA and Privacy Policy and tick the box to continue. Your plan and purchases are kept.
• "How we calculate this" now lists what the projections don't include, like lender fees, escrow and prepayment penalties.
• Clearer reminder that ClearDeed is a planning tool, not financial advice.
• Links to open-source licenses.
• Behind-the-scenes updates and fixes.
• A short terms screen on first open: review the Terms, EULA and Privacy Policy and tick the box to continue. Your plan and purchases are kept.
• "How we calculate this" now lists what the projections don't include, like lender fees, escrow and prepayment penalties.
• Clearer reminder that ClearDeed is a planning tool, not financial advice.
• Links to open-source licenses.
• Behind-the-scenes updates and fixes.
App support
About the developer
NGN CONSULTING CORP.
ngn.consulting.corp@gmail.com
6348 N Milwaukee Ave Ste 330
Chicago, IL 60646-3728
United States
+1 773-895-7355
