In the print dialog, uncheck “Headers and Footers” to remove the file path and page URL from the PDF.

Interactive Strategy Calculator

Cash Flow Generation Calculator

Model a HELOC-funded investment strategy where excess cash flow after HELOC interest is assumed to be spent rather than used to pay down debt.

Important Disclaimer

Figures are based on assumptions provided and are general in nature. Results are not guaranteed and should not be construed as tax, legal, lending, or investment advice. Borrowing to invest involves risk, including interest-rate risk, market risk, and the potential for investment losses.

Initial HELOC

Initial investment borrowing

Available Cashflow

After HELOC interest

Gain / Profit

Investment value less unchanged HELOC

Strategy Projection

HELOC outstanding, investment account value, and projected gain/profit.

Year-by-Year Projection

Based on the same formulas used in the Excel workbook.

Year	HELOC Outstanding	Investment Account Value	Cash Flow Spread	Gain / Profit

Cash flow spread is calculated as net annual portfolio cash flow less HELOC interest. Excess cash flow is assumed to be spent and is not used to reduce the HELOC or reinvested into the investment account.

Cash Flow Generation Calculator

Client strategy illustration

Inputs

Figures stated are derived based on assumptions and information provided. Projections are general in nature and should not be construed as exact figures. Borrowing to invest involves risks, including interest-rate changes, market losses, and the risk that spent cash flow may not be available to reduce debt.

Year-by-Year Projection

Cash flow generation strategy projection table

Review assumptions regularly. Actual returns, cash flow, borrowing costs, tax treatment, and investment values may differ materially from this illustration.