A mortgage
calculator for
people who don’t
need one
Most mortgage calculators assume your biggest asset is a savings account. Ours assumes it’s a portfolio you’ve spent a decade not touching — and that selling it is a decision, not a withdrawal.
Should you liquidate, mortgage, or borrow against the portfolio? The honest answer is “it depends”. We just made “it depends” into software.
Four things we refuse to get wrong
Tax math, done properly
Federal + state long-term rates, NIIT, and the income thresholds that flip you between brackets. No hand-waved 15%.
Opportunity cost is a cost
The dollars you sell don’t compound. We show you exactly how much quieter your portfolio gets.
No signup wall
Open a tab, get a number. If you want to save a scenario, then — and only then — sign in.
We tell you when we don’t know
Rates change, margin calls happen, brokers differ. When the answer depends on you, we say so.
Built by Tyler Singletary
Stockstead is a tool for a specific decision: when a meaningful share of your wealth lives in a taxable portfolio and you’re sizing a home purchase, what does each financing path actually cost on an after-tax, opportunity-cost-adjusted basis? The calculator answers that with the actual formulas — long-term capital gains brackets, NIIT, state treatment, SBLOC interest, compound growth — instead of the back-of-napkin math most calculators offer.
Tyler founded Stockstead and writes its analysis. He is not a licensed financial advisor or CPA. Stockstead is educational, not personalized advice — for a decision this consequential, talk to a fiduciary and a tax professional before you wire anything.