If you paid off a loan, how much would that free up each month? Compare balances and payments, then weigh the result against interest costs and the cash you need to keep available.
The Cash Flow Index calculator is free to use. The broader scenario tools described below are planned, not included as available features.
Cash Flow Index
Which debt to pay first
Your Debts
Credit Card
$5,000 / $250/mo
Car Loan
$15,000 / $400/mo
Mortgage
$300,000 / $2000/mo
Priority Order
Sorted
Credit CardHigh Priority
20
Car LoanHigh Priority
37.5
MortgageLow Priority
150
đź’ˇPay off Credit Card first. Each $1 paid frees up more monthly cash flow than paying your other debts.
Illustrative example. Fictional household.
See which payoff order frees the most monthly cash.
Compare balances and monthly payments to see how much cash a full payoff could release. Use that comparison alongside rates, reserves, and your household priorities.
1.
Plug In What You Owe
Mortgage, car, credit cards, business loans, whatever you've got. Balance and monthly payment. Takes 2 minutes.
2.
Compare the Monthly Impact
Each debt gets a Cash Flow Index score. Lower = more cash freed per dollar paid off. The results might surprise you.
3.
Make a Smarter Payoff Plan
Compare the monthly cash released by each full payoff. Interest rates, loan terms, and reserves may point to a different order.
Compare the cash each payoff would release.
The Cash Flow Index divides a debt’s balance by its monthly payment. A lower score means a full payoff releases more monthly cash per dollar used.
Balance Ă· monthly payment
For a $5,000 balance with a $250 monthly payment, the score is 20. Paying that balance in full would release $250 per month.
Use this alongside interest rates, available reserves, and loan terms. The score compares cash flow efficiency; it does not decide the right payoff order for your household.
On the cash flow roadmap
Cash Flow Sandbox
Planned: compare how a property purchase, debt payoff, or business change could affect cash flow.
Deal Radar
Planned: organize an investment’s assumptions, projected cash flows, and risks for review before committing.
Compare the tradeoffs with the whole cash picture in view.
More Options
A full payoff removes a monthly payment. See the amount available for other commitments, alongside the cash needed to make that payoff.
Cash you would commit
Paying down debt uses cash you could keep in reserve or put toward another goal. Compare that tradeoff before committing.
The Full Picture
Your mortgage, car, business loan, and credit card all interact. See how they fit together, not just one at a time.
Understand what the score measures
A lower index means more monthly payment released per dollar of full payoff. It does not necessarily mean the lowest total interest cost.
Update the figures
Use updated balances and payments when comparing options again. A calculation is a snapshot of the figures you entered.
Decisions Before Commitments
This calculator compares debt payments. A broader comparison of paying off debt versus investing requires additional assumptions and professional judgment.
Sequence debt with real math
This keeps payoff decisions tied to real monthly impact instead of rules of thumb.
What the Cash Flow Index is
The Cash Flow Index is a payoff priority metric: balance divided by monthly payment. Lower scores free more cash per dollar paid off. It complements rate analysis.
Before your next conversation
Do you have balances and monthly payments for every debt?
Is cash flow the real constraint right now?
Would freeing $500-$2,000 per month change your options?
Have you compared payoff order by cash flow and by rate?
Do you know which debt creates the most drag on decisions?
Questions to bring to your professional
If I pay this off first, how much monthly cash is freed?
Where does payoff sequencing beat investing or saving?
Which assumptions would change the best order?
Work through your next cash-flow question
Use cash flow insights to guide your next tax and strategy moves.
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 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.
Find the cash-flow constraint worth reviewing first.
Bring the balances and monthly payments you already know. Compare which payoff order frees cash, then review the tradeoffs before you act.
