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
Founder of Stockstead. Product Specialist, AI/ML Startups at AWS. NYC.
Stockstead exists because Tyler kept doing the math himself — on whiteboards, for friends, and while researching his own first home purchase. The bank's calculator didn't model RSU vesting schedules. The mortgage broker's spreadsheet ignored unrealized capital gains. None of the existing tools knew what to do with options that hadn't been exercised yet, or with concentrated stock the buyer didn't want to sell. So he built the one he needed.
He has spent twenty-plus years building software products. He is currently a Product Specialist for AI/ML Startups at Amazon Web Services, working with seed–Series B founders on small-language-model fine-tuning, evaluation, and POC-to-production. Before AWS, he spent eight years as Chief Product & Operating Officer at Tagboard, where he led a turnaround from $600K to $7.2M ARR. Earlier, he was VP & GM of Klout & Consumer Data at Lithium Technologies after Klout's 2014 acquisition, and before that Director of Platform Product at Klout itself — where he built the API platform into 60% of company revenue and watched a venture-backed company go through an exit from the inside. He started his career as a contract software engineer in Southern California in 1998 (Pascal, Delphi, then C#), which is why he wrote the Stockstead calculator himself instead of outsourcing it.
He has also co-authored published research on topical influence and social-network analysis — including "Mining Half a Billion Topical Experts Across Multiple Social Networks" — and writes regularly on developer platforms and AI infrastructure.
The relevance to a mortgage calculator is direct. Two decades of equity-heavy compensation across six employers — RSUs, ISOs, post-IPO grants, lockups, the works — left Tyler with a portfolio whose shape doesn't fit the assumptions any standard calculator makes. When he started seriously looking at the New York market, every mortgage tool either ignored the brokerage account entirely or treated it as generic 'savings.' None of them modeled SBLOC vs liquidation. None of them counted unrealized capital gains. None of them asked about concentrated positions or unvested grants. He built Stockstead so the calculator he needed for his own decision would exist — and then opened it up to the rest of the room.
Tyler is not a licensed financial advisor, CPA, or tax attorney, and Stockstead is not personalized advice. The math is rigorous; the numbers are yours. For a decision of this size, talk to a fiduciary and a tax professional before you wire anything.
Verify any of this: linkedin.com/in/tylersingletary