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When you free up $2k/month, you have choices. Invest it. Save it. Spend it. But you can't do any of that if it's trapped in bad debt.
The Math Nobody Taught You
Highest interest rate first? Not always. Lowest balance first? Feels good, but leaves money on the table. There's a third way—and it's based on a number your bank doesn't show you.
CFI Score
Your debt efficiency
Payoff Order
Optimized for you
Real Math
Not debt snowball guesses
It's not about interest rates. It's about how much cash each debt traps every month. The Cash Flow Index tells you which debts, if paid off, would free up the most cash fastest. It's simple math—and almost nobody does it.
Step 01
Mortgage, car, credit cards, business loans—whatever you've got. Balance and monthly payment. Takes 2 minutes.
Step 02
Each debt gets a CFI score. Lower = more cash freed per dollar paid off. The results might surprise you.
Step 03
Now you know which debts to attack first—not for psychology, but for actual cash flow. Bring it to your advisor.
The Formula
Low
Pay This Off First
Big cash freed per dollar paid. This is trapping your money.
Medium
Second Priority
Decent efficiency. Attack after the low-score debts are gone.
High
Keep This Last
Probably your mortgage. Low payment relative to balance. Let it ride.
CFI doesn't replace interest rate analysis—it complements it. Sometimes the highest-rate debt isn't the biggest cash flow killer. Now you can see both.
Coming Soon
Before you buy that rental property, pay off that mortgage, or change your business structure—run the numbers. See exactly how it changes your cash flow. No guessing.
Expected: 2026
Score deals before you commit. Is that syndication worth it? Does this rental cash flow for real? Get a risk-adjusted analysis that shows you what your broker won't.
Expected: 2026
When you free up $2k/month, you have choices. Invest it. Save it. Spend it. But you can't do any of that if it's trapped in bad debt.
Get your money working 2 years earlier and watch it multiply. Debt payoff order isn't trivial—it's transformative.
Your mortgage, car, business loan, credit card—they all interact. See how they fit together, not just one at a time.
Debt snowball feels good but isn't always optimal. CFI gives you the numbers. Do what works, not what's popular.
Track your CFI over time. Watch the bad debts disappear. See your cash flow climb. Numbers don't lie.
Should you pay off the car or invest? Model it first. Know the answer before you sign anything.
Important Financial Information
X1 Financial Tools provide educational calculations to help you analyze your financial situation. They do not constitute financial advice. Financial strategies depend on many factors including interest rates, tax implications, and personal circumstances. Consult with a qualified financial advisor before making significant financial decisions.
X1 Wealth, Inc. is a financial technology company, not a registered investment advisor, CPA firm, or law firm. Our tools provide educational information and should not be construed as personalized financial, tax, or legal advice.
Get Started
Plug in your numbers. Find out which debts to attack first. Takes 2 minutes.
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Multiply your potential, exponentially.