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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. It is based on a number your bank doesn't show you.
Cash Flow Index 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. 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 Cash Flow Index 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.
Cash Flow Index 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.
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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.
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, and credit card all interact. See how they fit together, not just one at a time.
Debt snowball feels good but isn't always optimal. Cash Flow Index scores give you the numbers. Do what works, not what's popular.
Track your Cash Flow Index score 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.
Decision support
This keeps payoff decisions tied to real monthly impact instead of rules of thumb.
Related resources
Use cash flow insights to guide your next tax and strategy moves.
Tool
Rank debts by how much monthly cash they free.
Tool
Answer a few questions and uncover hidden cash flow.
Resource
See which moves matter before key deadlines.
Feature
Discover strategies that fit your cash flow reality.
Feature
Pair payoff plans with tax-focused decisions.
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.