Wealth Builder Break-Even Analysis
Find exactly when & whether switching beats your current fixed rate
Scenario inputs
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Your WB rate: 6.88%
* Projections use monthly calculations for simplicity and do not include the daily sweep benefit — the actual account calculates interest daily, so real-world results are typically slightly better than shown.
Cumulative interest paid — 3 SOFR rate scenarios iThree scenarios model how SOFR rate changes affect your savings. Flat = rates stay the same. Fall = SOFR drops 0.25%/yr. Rise = SOFR rises 0.25%/yr. The orange dashed line shows your existing mortgage with the same extra payment applied each month for a true apples-to-apples comparison.
Fixed (no extra pmts)
Fixed + extra pmts
Wealth Builder (flat)
WB rates fall
WB rates rise
Why the Wealth Builder beats extra mortgage payments
A common and totally fair question: "If I put the same extra money toward my regular mortgage every month, wouldn't I get the same result? Why bother switching?"
Great question. Here is why the Wealth Builder still wins — explained simply:
1
Your bank charges you interest every single day — not once a month.
A traditional mortgage calculates interest once per month on your full balance, no matter when money flows in or out. The Wealth Builder calculates interest daily on whatever your balance is that day. So the moment your paycheck deposits, you start saving interest immediately — every single day until bills go out. Over 20+ years those daily savings compound into tens of thousands of dollars.
A traditional mortgage calculates interest once per month on your full balance, no matter when money flows in or out. The Wealth Builder calculates interest daily on whatever your balance is that day. So the moment your paycheck deposits, you start saving interest immediately — every single day until bills go out. Over 20+ years those daily savings compound into tens of thousands of dollars.
2
Extra payments on a traditional mortgage are locked away forever.
Every extra dollar you pay into a traditional mortgage is gone — you cannot get it back without refinancing or opening a new loan. The Wealth Builder is a line of credit. If an emergency hits — medical bill, job loss, car repair — you can draw money back up to your credit limit. Your equity stays accessible. Your safety net stays intact.
Every extra dollar you pay into a traditional mortgage is gone — you cannot get it back without refinancing or opening a new loan. The Wealth Builder is a line of credit. If an emergency hits — medical bill, job loss, car repair — you can draw money back up to your credit limit. Your equity stays accessible. Your safety net stays intact.
3
You do not have to be disciplined — the math works automatically.
To beat a mortgage with extra payments, you have to commit to sending that extra check every single month without fail for decades. Miss a few months and the benefit evaporates. With the Wealth Builder, your paycheck automatically reduces your balance the moment it deposits. Good months accelerate payoff faster. Tight months do not penalize you.
To beat a mortgage with extra payments, you have to commit to sending that extra check every single month without fail for decades. Miss a few months and the benefit evaporates. With the Wealth Builder, your paycheck automatically reduces your balance the moment it deposits. Good months accelerate payoff faster. Tight months do not penalize you.
4
The numbers above prove it — even when you give the traditional mortgage the same advantage.
The chart and summary above show all three scenarios side by side. In most scenarios the Wealth Builder wins on both total interest saved and years to payoff — because daily compounding is a more powerful engine than monthly amortization with extra payments.
The chart and summary above show all three scenarios side by side. In most scenarios the Wealth Builder wins on both total interest saved and years to payoff — because daily compounding is a more powerful engine than monthly amortization with extra payments.
🎯 Reality check — what actually happens in practice:
The extra payments scenario assumes you send that extra check every single month without fail for over a decade. In reality almost nobody does. Life happens — job changes, medical bills, kids, emergencies. Clients who refinanced into 15-year mortgages in 2016 to "pay off faster" came back in 2020 during COVID asking to go back to a 30-year because they needed the lower payment. The discipline required to beat the Wealth Builder with extra payments is the same discipline that causes most people to refinance back into a 30-year the moment life gets hard.
And when they refi? They reset the clock, pay closing costs again, and start a brand new 30-year amortization — meaning the first years are almost entirely interest all over again. The Wealth Builder has no such reset. Every dollar you put in works immediately, and the line stays open if you ever need it back.
The extra payments scenario assumes you send that extra check every single month without fail for over a decade. In reality almost nobody does. Life happens — job changes, medical bills, kids, emergencies. Clients who refinanced into 15-year mortgages in 2016 to "pay off faster" came back in 2020 during COVID asking to go back to a 30-year because they needed the lower payment. The discipline required to beat the Wealth Builder with extra payments is the same discipline that causes most people to refinance back into a 30-year the moment life gets hard.
And when they refi? They reset the clock, pay closing costs again, and start a brand new 30-year amortization — meaning the first years are almost entirely interest all over again. The Wealth Builder has no such reset. Every dollar you put in works immediately, and the line stays open if you ever need it back.
Bottom line: The Wealth Builder is not just a mortgage with extra payments bolted on. It is a fundamentally different financial structure that uses daily interest accrual and cash flow sweeping to continuously reduce what you owe — while keeping your money accessible at all times.
Full break-even matrix — total interest saved by fixed rate & monthly surplus iThis table shows how much total interest the Wealth Builder saves vs. your existing fixed mortgage across every combination of rate and monthly surplus. Green = clearly worth switching. Yellow = marginal. Red = stay on your fixed rate.
