Cash across the operating company, the holding company, the trust, and personal rarely moves together. Liquidity & Cash Flow holds them in one view, plus the business telemetry from QuickBooks, so you can see what's available, what's earmarked, and what's about to move.
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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
💡Pay 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
Now you know which debts to attack first. Not for psychology, but for actual cash flow. Bring it to your advisor.
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 ÷ 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
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.
Compounding Speed
Get your money working 2 years earlier and watch it multiply. Debt payoff order isn't trivial. It's transformative.
The Full Picture
Your mortgage, car, business loan, and credit card all interact. See how they fit together, not just one at a time.
Math Over Feelings
Debt snowball feels good but isn't always optimal. Cash Flow Index scores give you the numbers. Do what works, not what's popular.
Watch Yourself Win
Track your Cash Flow Index score over time. Watch the bad debts disappear. See your cash flow climb. Numbers don't lie.
Decisions Before Commitments
Should you pay off the car or invest? Model it first. Know the answer before you sign anything.
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?
Translate cash flow into strategy
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.
