Presented by
Garrett Gunderson × X1 Wealth
Free tool. No signup required to see your score.
Is Your HELOC Working For You or Against You?
Five quick tests. Five minutes. One honest score that tells you if your Home Equity Line of Credit is building wealth or quietly destroying it.
Based on frameworks from Garrett Gunderson's "HELOC Trap That's Destroying Wealth in 2026" video.
Free. Takes about 5 minutes. No signup required to see your score.
Assumptions and limits
- Cash Flow Index = HELOC Balance / Monthly Payment. Higher scores mean more efficient debt.
- Cost of Money compares your best available return rate to your HELOC interest rate.
- Spending categories are self-reported and may not reflect exact allocations.
- This tool does not account for tax deductibility of HELOC interest.
- For educational comparison only. Consult a financial advisor for a personalized HELOC strategy.
Based on Garrett Gunderson's "HELOC Trap That's Destroying Wealth in 2026" framework from his YouTube content.
