The program starts with the assumption that you have a chunk of money sitting in the bank not doing anything

You pay down the principle on your mortgage with this chunk of money and then take out a HELOC – the HELOC is used for all your day-to-day checking activity and you deposit your paychecks into this account

Because the HELOC is short term money it COSTs less than the long term mortgage money even though the interest rate is higher on the HELOC (interesting concept that I haven’t fully grasped yet)

The software tells you when to send in your HELOC and mortgage payments in order to maximize the difference between the short and long term cost of the two loans

Interesting idea but it does appear to be based on the assumption that you have a chunk of money somewhere that’s getting dusty