Abstract: A computer system and computer-based method for use with a brokerage incentive program comprising linking by a computer in a computer network a debt vehicle having an outstanding balance to a brokerage account, calculating by a brokerage incentive computer engine a return generated by at least one investment product in the brokerage account over a predetermined period of time, determining by the brokerage incentive computer engine a monetary amount equal to at least a portion of the calculated return generated, and automatically applying the monetary amount to the outstanding balance of the linked debt vehicle.