Put your cash flow to work

Smart Mortgage Savings Calculator

Explore how regular income deposits, spending, available cash, and a variable rate could affect the balance of an All In One first-lien HELOC compared with a traditional mortgage.

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Loan setup

Start with the mortgage.

Scenario name Mortgage balance$ Available cash at start$ Traditional mortgage rate% Remaining term Extra traditional payment$ All In One starting rate% Estimated annual rate change% Illustration rate cap%

Deposits & spending

Show the monthly cash flow.

Monthly income deposited$ Deposit frequency Monthly non-housing expenses$ Other monthly HELOC draws$ Annual HELOC fee$ One-time future draw$ Future draw occurs aftermonths

Enter regular household spending without the traditional mortgage payment. The illustration treats income as deposits to the HELOC and spreads expenses across each month.

03 Customize Your Payoff PlanAdd a goal, extra payments, or lump sums.

Loan plan to customize

Choose a payoff goal

Desired payoff timeline

Automatically include the estimated monthly amount needed to meet this goal.

Estimated amount needed for goalSelect a payoff goalThe amount will account for the other custom payments entered below.

Adjust regular payments

Additional monthly deposit$ Quickly adjust the monthly extra$0

Add one-time or recurring extras

One-time lump sum$ Lump sum occurs aftermonths Recurring extra amount$ Recurring frequency

How extras are handled: Traditional mortgage extras are applied as additional principal payments. All In One extras are modeled as additional deposits that reduce the daily outstanding HELOC balance and remain subject to the loan’s variable-rate and cash-flow assumptions.

04 Reserve CalculatorEstimate monthly ITIA and required reserves.

Loan amount$ Annual interest rate% Monthly property taxes$ Monthly homeowners insurance$ Monthly HOA dues$

Required reserve months 6 months 12 months

Monthly Interest-Only Payment$1,875.00

Monthly Property Taxes$300.00

Monthly Homeowners Insurance$150.00

Monthly HOA Dues$0.00

Total Monthly ITIA$2,325.00

Total Required Reserves$13,950.00Based on 6 months of ITIA

Interest-only loan reserves are calculated using the monthly interest payment, property taxes, homeowners insurance, and applicable association dues (ITIA). Principal is excluded because the loan requires interest-only payments during the applicable period. Reserve requirements vary by lender, loan program, credit profile, loan amount, and escrow requirements. Six months is common, while some scenarios require 12 months or more.

Traditional payoff——

All In One payoff estimate——

Estimated time difference—Based on the entered cash-flow pattern

Projected balance over time

See how the paths compare.

TraditionalAll In One

Side-by-side comparison

Estimated results

MeasureTraditionalAll In One

Starting balance after available cash——

Starting rate——

Scheduled monthly mortgage payment—Cash-flow based

Estimated total interest & fees——

Estimated payoff——

Equivalent Interest Rate ——

How this is calculated: The traditional value is the entered mortgage rate. The All In One value is the fixed rate a fully amortizing traditional mortgage would need over the original mortgage term to produce the same total projected interest as the All In One scenario. It uses the entered original loan balance and excludes All In One fees. This illustrative comparison uses different payoff periods and is not the All In One contractual rate, an APR, or a rate available to a borrower.

Open “Customize Your Payoff Plan” to explore a different payoff strategy.

View detailed customized payoff schedule

Monthly estimates for the customized plan.

Month	Date	Starting balance	Regular payment / net cash flow	Custom extras	Interest & fees	Ending balance

The on-page table shows every projected month. Download the CSV to save the complete schedule.

Customized payoff projections are estimates, not guarantees. Actual results may differ due to rate changes, transaction timing, spending, withdrawals, fees, payment application, and loan terms.

Save or share these results

Take the complete comparison with you.

The report uses the numbers currently entered above.

How this illustration works

Traditional mortgage: Uses the entered fixed rate, remaining term, and optional extra payment with standard monthly amortization.

All In One: Uses an original daily-balance simulation. Income is deposited according to the selected frequency, expenses and draws increase the balance, interest accrues daily, and the variable rate changes annually by the amount entered up to the illustration cap.

Important comparison note: The traditional baseline uses its scheduled payment plus any extra payment you enter. The All In One result uses the full deposit-and-spending pattern entered above. Different use of surplus cash can materially change the comparison.

Ready to review the numbers?

Talk through your scenario with Zo.

Zo can explain program terms, current rates, qualification requirements, and whether an All In One loan may fit your goals.

Schedule a consultation ↗ Start a secure application ↗

Calculator disclosures

The All In One loan is a variable-rate first-lien Home Equity Line of Credit (HELOC) that replaces a traditional mortgage. The interest rate and required payment can change. Results are estimates for educational and illustrative purposes only and are not guaranteed. Actual savings and payoff timing depend on rates, cash flow, deposit timing, spending habits, withdrawals, fees, loan terms, and borrower behavior. This calculator does not include every possible cost, tax consequence, product feature, or change in financial circumstances.

Program availability, credit limits, pricing, and qualification requirements vary. This is not a commitment to lend or a loan approval. All loans are subject to credit approval and underwriting guidelines. Please consult Zo for a personalized loan analysis and appropriate legal, tax, or financial professionals for advice within their areas of expertise.