Mortgage Payoff Optimizer
Compare extra payments, lump sums and payment schedules to explore projected interest and payoff timing.
View product & purchase options ↗From Havenstone Finance, the makers of CardSqueeze
A little clarity.
Beyond your cards.
Make sense of the bigger decisions, too. Explore practical calculators and guides for your mortgage, debt and savings.
Digital downloads · Desktop Excel calculators · Companion PDF guides
Mortgage tools
A clearer mortgage decision.
Understand what extra payments, refinancing, or a credit-line strategy could change before you commit.
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Should I Refinance Calculator
Weigh closing costs and a new loan term against how long you expect to keep your mortgage.
View product & purchase options ↗Velocity Banking Reality Check
Compare a line-of-credit strategy with direct extra mortgage payments, including the added borrowing costs.
View product & purchase options ↗All three, together
Homeowner Bundle
Three Excel calculators and their three companion PDF guides.
Debt & savings tools
Make room for what comes next.
Explore debt payoff plans, build a financial cushion, and give upcoming expenses a place in your budget.
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Debt Payoff Optimizer
Compare debt payoff approaches using your balances, interest rates and available payment budget.
View product & purchase options ↗Emergency Fund and Safety Net Calculator
Explore reserve targets and how your current emergency fund could handle an income interruption.
View product & purchase options ↗Savings Goals and Sinking Funds Calculator
Plan up to ten savings goals against a shared budget and identify gaps before their deadlines.
View product & purchase options ↗All three, together
Debt & Savings Bundle
Three Excel calculators and their three companion PDF guides.
Know what you’re getting.
Use your own numbers.
These independent workbooks don’t connect to your bank. Enter your assumptions and compare modeled scenarios.
Made for desktop Excel.
You’ll need desktop Microsoft Excel and a PDF reader. Check the product page for compatibility, pricing and purchase terms.
Tools, not guarantees.
Results are estimates, not personalized financial advice. Actual outcomes depend on your inputs, lender terms and other factors.
Explore the full collection at Havenstone Finance ↗