Mortgage & Wealth Calculators

Simple, powerful resources to help you plan, compare, and move forward with confidence.

You don’t have to guess. You don’t have to wing it.

Use our tools, and make your next move your smartest yet.

Charitable Remainder Trust (CRT) Cash Flow Estimator

Estimates income and tax benefits from a CRT-based donation plan.

Estate Distribution & Legacy Wealth Allocator

Plans how your estate and assets will be distributed by intent.

Family Investment Mission Builder

Defines and aligns your family’s long-term mission for wealth.

Lifetime Donation Impact Calculator

Projects the total impact your giving can make over a lifetime.

First-Time Buyer Readiness Scorecard

Assesses how prepared you are to buy your very first home.

Home Affordability Calculator (Monthly Budget-Based)

Shows how much house you can afford based on your budget.

Home Price by Savings Calculator

Estimates purchase price you can afford with current savings.

Max Purchase Price Calculator (Income + DTI-Based)

Calculates your max home price using income and DTI ratio.

Rent vs. Buy Calculator

Compares long-term costs of renting versus buying a home.

What’s My Next Best Move? Quiz

Guides first-time buyers to their smartest next step in homeownership.

Build ADU to Enjoy – Cost Calculator

Estimates total cost to build and enjoy an ADU on your property.

Debt Consolidation Loan Payment Calculator

Shows your new payment if debts are merged into one loan.

Divorce Buyout Refinance Calculator

Calculates refinance costs to buy out a partner post-divorce.

Early Payoff vs. Investment ROI Tool

Compares benefits of early mortgage payoff vs. investing funds.

HELOC vs. Cash-Out Comparison Tool

Weighs costs and benefits of HELOC vs. cash-out refinance loans.

Home Equity Tracker

Tracks how your home equity grows over time and with payments.

Rent vs. Sell Calculator

Compares returns of renting out vs. selling your current home.

Smart Move Readiness Scorecard

Assesses how prepared you are for your next major move decision.

Real Estate Investor Readiness Quiz

Evaluates your readiness to begin investing in real estate today.

Short-Term vs. Long-Term Rental ROI Comparison

Compares ROI from short-term and long-term rental strategies.

Stairway Wealth Roadmap Builder

Outlines a step-by-step wealth plan tailored to your goals.

Wholesaling Profit Estimator

Estimates potential profit from real estate wholesaling deals.

70% Rule Deal Analyzer

Quickly checks if a flip deal meets the 70% rule for max purchase price.

Build ADU to Rent – Net Income Calculator

Estimates long-term rental income from building and renting an ADU.

Build ADU to Sell – Cost/Profit ROI Calculator

Projects ROI from building and selling an accessory dwelling unit.

Hard Money Loan ROI Calculator

Calculates profit margins using hard money financing terms.

Property Depreciation Calculator

Estimates yearly property depreciation for tax deduction plans.

Real Estate Entity Structure Tax Comparison

Compares tax outcomes for different real estate entity types.

Rehab Budget Estimator

Creates an accurate rehab cost plan for real estate projects.

Rental Property Cap Rate Calculator

Evaluates rental property cap rate to assess investment return.

Short-Term Rental ROI Calculator (Airbnb)

Estimates profit from operating short-term vacation rental units.

Team-Building Cost Planner

Helps plan and estimate costs for team-building real estate events.

Build ADU to Enjoy – Cost Calculator

Estimates total cost to build and enjoy an ADU on your property.

Debt Consolidation Loan Payment Calculator

Shows your new payment if debts are merged into one loan.

Divorce Buyout Refinance Calculator

Calculates refinance costs to buy out a partner post-divorce.

Early Payoff vs. Investment ROI Tool

Compares benefits of early mortgage payoff vs. investing funds.

HELOC vs. Cash-Out Comparison Tool

Weighs costs and benefits of HELOC vs. cash-out refinance loans.

Home Equity Tracker

Tracks how your home equity grows over time and with payments.

Rent vs. Sell Calculator

Compares returns of renting out vs. selling your current home.

Smart Move Readiness Scorecard

Assesses how prepared you are for your next major move decision.

Build ADU to Enjoy – Cost Calculator

Estimates total cost to build and enjoy an ADU on your property.

Debt Consolidation Loan Payment Calculator

Shows your new payment if debts are merged into one loan.

Divorce Buyout Refinance Calculator

Calculates refinance costs to buy out a partner post-divorce.

Early Payoff vs. Investment ROI Tool

Compares benefits of early mortgage payoff vs. investing funds.

HELOC vs. Cash-Out Comparison Tool

Weighs costs and benefits of HELOC vs. cash-out refinance loans.

Home Equity Tracker

Tracks how your home equity grows over time and with payments.

Rent vs. Sell Calculator

Compares returns of renting out vs. selling your current home.

Smart Move Readiness Scorecard

Assesses how prepared you are for your next major move decision.

Sharing God’s Word – Lifetime Impact Calculator

Estimates the lifelong spiritual reach of your faith-sharing efforts.

Think Clearly. Act Confidently.

At Stairway Mortgage, we believe clarity creates confidence.

Whether you’re a first-time buyer or seasoned investor, our growing library of calculators, templates, and decision-making tools is designed to help you think strategically, act wisely, and feel prepared.

These aren’t gimmicks. They’re real tools we use with our clients every day.

Stay ahead of rate changes

Speed, Strategy, Clarity – All Working for You

100% Client Satisfaction

Real Comments, Real People

Hear From Some Past Clients of Our Founder

Alexis Kulick - via Faceook Director of Digital Campaign at UBS - CALIFORNIA

Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.

Julian Einfrank - via Facebook Sr. Wealth Advisor Clifton Larson Allen - ILLINOIS

Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!

Elizabeth Torres - via Facebook Senior Branch Mgr. at JP Morgan Chase - ILLINOIS

Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.

David Livermore - via Google Founder Cultural Intelligence - CALIFORNIA

Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.

Christina Curva Carrasco - via Facebook Owner at Curated Interiors - WASHINGTON DC

Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.

The Numbers Matter — But So Do Your Goals

This quiz helps you pair what’s possible with what’s truly meaningful.

Use this short quiz to clarify your long-term financial goals — and let us guide you with more than just math. Together, we’ll align your numbers with your bigger picture and ensure every calculation leads somewhere worthwhile.

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