Turn home-loan debt into deductible investment debt

Debt Recycling Calculator

See how recycling your non-deductible home loan into deductible investment debt could build wealth and clear the โ€œbadโ€ debt faster โ€” compared with simply paying the loan down.

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How recycling pulls ahead

Same cashflow, two very different outcomes.
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Recycle

Pay down the home loan, then re-borrow that freed equity to invest โ€” converting non-deductible debt into deductible debt, a slice each year.

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Deduct

Interest on the investment loan is tax-deductible. Those savings plus the investment income accelerate killing the non-deductible loan.

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Compound

Your money is invested years earlier than โ€œpay the loan off first,โ€ so it compounds for longer.

Want help structuring it safely?

Debt recycling only works if the loan is structured correctly. We're building tools + a directory to do it right. Join the waitlist.

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