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Estimate payments, affordability, refinance savings, rental cash flow, and more — 116 free calculators, no signup, no credit pull. Built to give you real numbers before you ever talk to anyone.
116 calculators
Home Purchase 50
Self-Employed · 1099 Income · Purchase 1099 Loan Calculator: Payment & Max Loan Self-employed on 1099 income? Estimate qualifying income from two years of 1099s, your max loan, monthly payment and cash to close. Open → Asset-Based · Home Purchase Asset-Based Mortgage Calculator (Asset Depletion Loans) Qualify with your assets, not a paycheck. Estimate qualifying income, max loan and cash to close from savings and investments. NMLS #1072866. Open → Military · BAH Affordability BAH Home Affordability Calculator | Stairway Mortgage Estimate your maximum affordable home loan based on your monthly BAH, BAS, income, and debts. Built by Jim Blackburn, NMLS #1072866. Open → Self-Employed · Bank Statement · Purchase Bank Statement Loan Calculator: Payment & Max Loan Self-employed? Estimate qualifying income from bank statement deposits, your max loan, monthly payment and cash to close. Free calculator. Open → Condotel · Hotel-Condo Purchase Condotel Loan Calculator: Payment, Cash to Close & DSCR Estimate a condotel loan payment, cash to close and net cost after rental-program income, plus a DSCR-style rent coverage ratio. Jim Blackburn, NMLS #1072866. Open → Conventional · Cash-Out Refinance Conventional Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Conventional cash-out refinance. Open → Conventional · New Construction Conventional Construction Loan Calculator Estimate total build cost, interest reserves, loan amount, monthly payment and cash to close for a conventional construction-to-permanent loan. Open → Conventional · Home Purchase Conventional Loan Calculator: Payment, PMI & Cash to Close Estimate your monthly payment, PMI, cash to close and the income needed to qualify for a conventional purchase loan. Free calculator. Open → Conventional · Rate & Term Refinance Conventional Refinance Calculator: New Payment & Savings Free conventional refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → FHA · Purchase Down Payment Assistance Calculator: FHA Purchase Estimate your FHA payment and cash to close with and without down payment assistance and seller credits. Free calculator for buyers. Open → Investor · DSCR · Purchase DSCR Loan Calculator: Payment, Cash Flow & ROI Estimate your DSCR loan amount, payment and net cash flow, plus 15- and 30-year equity, tax savings and return on an investment property. Open → FHA · 2–4 Unit · Owner-Occupied FHA 2-4 Unit Calculator: Payment & Rental Cash Flow Estimate payment, cash to close, rental cash flow and long-term appreciation on an owner-occupied duplex, triplex or fourplex with FHA. Open → FHA · 203k Renovation Purchase FHA 203k Loan Calculator: Max Loan, Payment & Cash to Close Free FHA 203k renovation calculator. Enter the price and repair costs to estimate your max loan, monthly payment with MI and cash to close. Open → FHA · 203k Renovation Refinance FHA 203k Refinance Calculator: Renovation & Payment Estimate project costs, your max FHA 203k refinance loan, upfront MIP, monthly payment with MI, cash to close and income needed to qualify. Open → Government · FHA · Cash-Out Refinance FHA Cash-Out Refinance Calculator: Cash Back & Payment Estimate your max FHA cash-out loan, cash back, upfront and monthly mortgage insurance, new payment and the income needed to qualify. Open → FHA · New Construction FHA Construction Loan Calculator: Build Costs & Payment Free FHA new-construction calculator. Estimate total build costs, your max FHA loan, upfront MIP, monthly payment and cash to close. Open → Government · FHA · Purchase FHA Loan Calculator: Payment, MIP & Cash to Close Estimate your FHA base loan, upfront and monthly mortgage insurance, total payment, cash to close and the income needed to qualify. Open → Government · FHA · Streamline Refinance FHA Streamline Refinance Calculator: Monthly Savings Estimate your new FHA payment and your monthly and yearly savings from an FHA streamline refinance. Free calculator from Stairway Mortgage. Open → FHA · Streamline Refinance FHA Streamline Refinance Savings Calculator Estimate your new payment and the monthly and yearly difference from an FHA streamline refinance. Free calculator from Stairway Mortgage. Open → Foreign National · 1099 Income · Purchase Foreign National Loan Calculator: Payment & Max Loan Buying a US home as a non-resident? Estimate your max loan, monthly payment and cash to close on a foreign national mortgage. Free calculator. Open → Tools · Affordability Home Affordability Calculator: How Much House Can I Afford? Start from a monthly payment you Open → Conventional · HomeStyle Renovation Refinance Home Improvement Loan Calculator: Renovation Refinance Estimate project cost, loan amount, monthly payment and cash to close when you refinance to renovate, based on after-repair value. Open → Conventional · HomeStyle Renovation Purchase HomeStyle Renovation Loan Calculator: Buy & Renovate Estimate project cost, loan amount, monthly payment and cash to close for a HomeStyle renovation purchase based on after-repair value. Open → Conventional · HomeStyle Renovation Refinance HomeStyle Renovation Refinance Calculator Estimate project cost, loan amount, monthly payment and cash to close for a HomeStyle renovation refinance based on after-repair value. Open → ITIN · 1099 Income · Purchase ITIN Loan Calculator: Payment & Max Loan Buying with an ITIN instead of a Social Security number? Estimate your max loan, monthly payment and cash to close. Free calculator. Open → Jumbo · Cash-Out Refinance Jumbo Cash-Out Refinance Calculator Estimate your max jumbo cash-out loan by LTV, cash back, new payment, an interest-only option and the income needed to qualify. Open → Jumbo · Construction-to-Perm Jumbo Construction Loan Calculator: Tear Down & Build Model a jumbo construction-to-perm loan: payoff, tear-down and build costs, max loan by LTV, monthly payment and cash to close. Open → Jumbo · Home Purchase Jumbo Loan Calculator: Payment, PMI & Cash to Close Estimate the monthly payment, PMI, cash to close and income needed for a jumbo purchase above the conforming loan limit. Free calculator. Open → Jumbo · Rate Reduction Refinance Jumbo Refinance Calculator: New Payment & Savings Estimate a jumbo rate-and-term refinance: new payment, monthly and yearly difference, interest-only option and income needed to qualify. Open → Jumbo · Renovation Purchase Jumbo Renovation Loan Calculator: Buy & Renovate Estimate project costs, interest reserves, your max jumbo loan by LTV, monthly payment and cash to close on a jumbo renovation purchase. Open → Jumbo · Renovation Refinance Jumbo Renovation Refinance Calculator Estimate project costs, interest reserves, max jumbo loan by LTV, monthly payment and cash to close on a jumbo renovation refinance. Open → Purchase · Monthly Payment Mortgage Payment Calculator: Estimate Your Monthly Payment Enter loan amount, rate, term, taxes and insurance to estimate your full monthly mortgage payment. Free mortgage payment calculator. Open → No-Doc · Home Purchase No-Doc Loan Calculator: Payment & Cash to Close Estimate the monthly payment, mortgage insurance and cash to close on a no-doc purchase, qualified on credit and assets rather than income. Open → Non-Warrantable Condo · 1099 Income · Purchase Non-Warrantable Condo Loan Calculator Buying in a condo building that doesn Open → Self-Employed · P&L · Purchase P&L Loan Calculator: Qualify With a Profit & Loss Self-employed? Estimate qualifying income, max loan, payment and cash to close using a CPA-prepared profit and loss statement. Free calculator. Open → Resort Condo · Vacation Home Purchase Resort Condo Loan Calculator: Payment, Rent & Cash to Close Estimate a resort condo loan payment, cash to close, net cost after short-term rental income and a rent coverage ratio. Jim Blackburn, NMLS #1072866. Open → Reverse Mortgage · Home Purchase Reverse Mortgage for Purchase Calculator (H4P) Estimate a reverse mortgage home purchase: principal limit by age, loan amount, cash to close and monthly housing expense. Ages 62 and up. Open → Section 184 · 1099 Income · Purchase Section 184 Loan Calculator: Payment & Max Loan For Native American home buyers: estimate your max loan, monthly payment and cash to close with the HUD Section 184 program. Free calculator. Open → USDA · Cash-Out Refinance USDA Cash-Out Refinance Calculator: Cash Back & Payment Estimate your max USDA cash-out loan, the guarantee fee, cash back, monthly payment with the annual fee, and the income needed to qualify. Open → Government · USDA · Purchase USDA Loan Calculator: Payment, Fees & Cash to Close Estimate your USDA base loan, upfront and annual guarantee fees, monthly payment, cash to close and income needed to qualify. Free calculator. Open → USDA Guaranteed Loan · One-Time Close Construction USDA One-Time Close Construction Calculator: 100% Financing Estimate a USDA One-Time Close construction loan: lot, build and closing costs, the 1% guarantee fee, cash to close and payment. Jim Blackburn, NMLS #1072866. Open → Government · USDA · Rate Reduction Refinance USDA Refinance Calculator: New Payment & Savings Estimate a USDA rate-and-term refinance: new loan with fees, new payment, the monthly and yearly difference and income needed to qualify. Open → USDA · Renovation Purchase USDA Renovation Loan Calculator: Buy & Fix in One Loan Buy an eligible home and finance the repairs in one USDA loan. Estimate the guarantee fee, monthly payment and cash to close. Free calculator. Open → Government · VA · Cash-Out Refinance VA Cash-Out Refinance Calculator: Cash Back & Payment Estimate your max VA cash-out loan, cash back, the funding fee (with disability waiver), new payment and the income needed to qualify. Open → VA · New Construction VA Construction Loan Calculator: Max Loan, Fee & Payment Free VA new-construction calculator. Estimate total build costs, your max VA loan, the funding fee (with disability waiver), payment and cash to close. Open → Government · VA · High Balance Purchase VA High Balance (Jumbo) Loan Calculator Estimate a VA high balance purchase: loan at the county limit, the funding fee (with disability waiver), payment and cash to close. Open → VA Loan · Streamline Refinance (IRRRL) VA IRRRL Break-Even Calculator: 36-Month Recoupment Test Check if a VA IRRRL passes VA Open → Government · VA · Purchase VA Loan Calculator: Payment, Funding Fee & Cash to Close Estimate your VA purchase loan, the funding fee (with disability waiver), monthly payment, cash to close and the income needed to qualify. Open → VA · Renovation Purchase VA Renovation Loan Calculator: Buy & Renovate Estimate project costs, your max VA renovation loan, the funding fee (with disability waiver), monthly payment and cash to close. Open → VA · Renovation Refinance VA Renovation Refinance Calculator: Max Loan & Payment Free VA renovation refinance calculator. Estimate project costs, your max VA loan, the funding fee (with disability waiver), payment and cash to close. Open →
Refinance & Equity 27
Self-Employed · 1099 Income · Cash-Out Refinance 1099 Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a 1099 cash-out refinance. Open → Self-Employed · 1099 Income · Rate & Term Refinance 1099 Refinance Calculator: New Payment & Savings Free 1099 refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Self-Employed · Asset-Based · Cash-Out Refinance Asset-Based Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Asset-Based cash-out refinance. Open → Self-Employed · Asset-Based · Rate & Term Refinance Asset-Based Refinance Calculator: New Payment & Savings Free Asset-Based refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Self-Employed · Bank Statement · Cash-Out Refinance Bank Statement Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Bank Statement cash-out refinance. Open → Self-Employed · Bank Statement · Rate & Term Refinance Bank Statement Refinance Calculator: New Payment & Savings Free Bank Statement refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Investor · Buy · Rehab · Rent · Refi · Repeat BRRRR Calculator: Buy, Rehab, Rent, Refinance, Repeat Run a full BRRRR deal: purchase loan, rehab, cash-out refinance at ARV, cash back and monthly rental cash flow. Free investor calculator. Open → Investor · Build, Rent & Refinance Build to Rent Calculator: Construction to DSCR Refinance Model a build to rent deal: build cost, interest carry, DSCR refinance loan, cash back, cash flow and cash left in the deal. Jim Blackburn, NMLS #1072866. Open → Condotel · Cash-Out Refinance Condotel Cash-Out Refinance Calculator: Net Cash & LTV See how much cash a condotel cash-out refinance could free up: max new loan, gross and net cash, new P&I and LTV. Jim Blackburn, NMLS #1072866. Open → Condotel · Rate/Term Refinance Condotel Refinance Calculator: Break-Even & New Payment Compare your condotel loan with a rate/term refinance: new P&I, monthly change, LTV, break-even months and lifetime cost. Jim Blackburn, NMLS #1072866. Open → Investor · DSCR · Rate Reduction Refinance DSCR Refinance Calculator: Payment, Savings & Cash Out Estimate a DSCR rental refinance: new payment, monthly and yearly difference, max loan from rent and DSCR, and estimated cash back. Open → Foreign National · Cash-Out Refinance Foreign National Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Foreign National cash-out refinance. Open → Foreign National · Rate & Term Refinance Foreign National Refinance Calculator: New Payment & Savings Free Foreign National refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Home Equity / Cash-Out HELOC Calculator: Available Equity, Draw & Payment Estimate your available equity, how much you could draw on a HELOC, and the monthly payment, while keeping your first mortgage in place. Open → Home Equity / Cash-Out Home Equity Calculator: Available Equity & Payment Estimate your available home equity, how much you could draw, and the monthly payment, without refinancing your first mortgage. Open → ITIN · Cash-Out Refinance ITIN Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a ITIN cash-out refinance. Open → ITIN · Rate & Term Refinance ITIN Refinance Calculator: New Payment & Savings Free ITIN refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Self-Employed · No-Doc · Cash-Out Refinance No-Doc Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a No-Doc cash-out refinance. Open → Self-Employed · No-Doc · Rate & Term Refinance No-Doc Refinance Calculator: New Payment & Savings Free No-Doc refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Non-Warrantable Condo · Cash-Out Refinance Non-Warrantable Condo Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Non-Warrantable Condo cash-out refinance. Open → Non-Warrantable Condo · Rate & Term Refinance Non-Warrantable Condo Refinance Calculator Free Non-Warrantable Condo refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open → Investor · Buy & Hold Rental Property Calculator: Cash Flow, Equity & ROI Analyze a buy-and-hold rental: monthly cash flow, appreciation, equity buildup, depreciation tax savings and annualized return. Free calculator. Open → Resort Condo · Cash-Out Refinance Resort Condo Cash-Out Refinance Calculator: Net Cash Estimate the cash a resort condo cash-out refinance could free up: max new loan, gross and net cash, new P&I and LTV. Jim Blackburn, NMLS #1072866. Open → Resort Condo · Rate/Term Refinance Resort Condo Refinance Calculator: Break-Even & Payment Refinancing a vacation condo? Compare current and new P&I, see the monthly change, LTV, break-even months and lifetime cost. Jim Blackburn, NMLS #1072866. Open → Reverse Mortgage · Cash-Out Refinance Reverse Mortgage Cash-Out Refinance Calculator Estimate how much cash a reverse mortgage refinance could free up based on your age and home value, and what your monthly housing expense becomes. Open → Section 184 · Cash-Out Refinance Section 184 Cash-Out Refinance Calculator Estimate the cash you could take out, your new loan amount and payment, and the income needed to qualify for a Section 184 cash-out refinance. Open → Section 184 · Rate & Term Refinance Section 184 Refinance Calculator: New Payment & Savings Free Section 184 refinance calculator. Estimate your new payment, the monthly and yearly difference, and the income needed to qualify. Open →
Investment & Rental 11
Investor · 1031 Exchange · Capital Gains 1031 Exchange Calculator: Capital Gains Tax Deferral Estimate the capital gains tax a 1031 exchange could defer, how those funds could grow, and the payment and cash to close on the replacement. Open → Investor · Ground-Up Construction · Build to Sell Build to Sell Calculator: Spec Home Profit & Loan Cost Estimate build to sell profit on a ground-up spec home: project cost, construction loan, cash needed, interest carry and return. Jim Blackburn, NMLS #1072866. Open → Investing · College Housing College Housing vs. Buying a Rental for Your Student Compare paying for campus housing with buying a property your student lives in, and see the long-term wealth difference. Free calculator. Open → Investor · DSCR DSCR Calculator: Rental Property Debt Service Coverage Enter rent and expenses to see a rental Open → Investor · Fix & Flip Fix and Flip Calculator: Loan, Costs & Profit Run a fix-and-flip deal: max loan by ARV, cash to close, holding costs, total project cost, net profit and cash-on-cash return. Open → Investor · Hard Money · Fix & Flip and Bridge Hard Money Loan Calculator: Max Loan, Points & Profit Enter your term sheet Open → Wealth · Compound Growth Investment Growth Calculator: Future Value & Return Project an investment over time: total contributions, future value at your target annual return, and total return. Free growth calculator. Open → Wealth · Allocation Investment Portfolio Allocation Calculator Enter holdings across cash, real estate, stocks, bonds and commodities to see your total portfolio and allocation by asset class. Open → Investor · Multifamily Underwriting Multifamily Loan Calculator: Cash Flow, DSCR & Cap Rate Free multifamily calculator. Enter rents and expenses to estimate NOI, cash flow after the mortgage, DSCR and cap rate on duplexes to apartment buildings. Open → Investor · Passive · Syndication Passive Real Estate Investment Return Calculator Project a passive real estate or syndication investment: contributions, first-year depreciation tax savings, asset value and annual return. Open → Multifamily · Management & NOI Property Management Cost Calculator: Fees, NOI & Cash Flow Estimate a rental Open →
Specialty & Non-QM 5
Bridge · Buy Before You Sell Bridge Loan Calculator: Buy Before You Sell Estimate a bridge loan: equity available, initial payment, the recast after your sale, capital gains exclusion and reinvestment growth. Open → Renovation · Budget Home Renovation Cost Estimator Pick your project scopes and finish level to get a ballpark renovation budget, including demolition and contingency. Free cost estimator. Open → Sales · Phone Profit Phone Profit Calculator: What Is Each Call Worth? See how much revenue each sales call is worth from your call-to-meeting ratio, close rate and average deal size. Free calculator. Open → Reverse Mortgage · HECM Income Reverse Mortgage Income Calculator: HECM Monthly Payout Estimate the monthly income a reverse mortgage (HECM) could pay, using HUD Open → Reverse Mortgage · Legacy Reverse Mortgage Inheritance Calculator Estimate what your heirs could inherit after a reverse mortgage by comparing your home Open →
Planning & Wealth 7
Budgeting · 50/30/20 Rule 50/30/20 Rule Calculator: Split Your Monthly Budget Free 50/30/20 rule calculator. Enter your monthly take-home pay to split it into needs, wants, and savings and debt payoff in seconds. Open → Qualifying · Debt-to-Income Debt-to-Income Ratio Calculator for Mortgages Enter your income and monthly debts to see your DTI ratio and an estimate of the housing payment and loan amount you may have room for. Open → Wealth · Net Worth How to Calculate My Net Worth | Stairway Mortgage Enter what you own and what you owe to instantly see your current net worth. Built by Jim Blackburn, NMLS #1072866. Open → Wealth · Legacy Legacy Giving Planner: Family & Charity Set yearly giving for your family and the causes you care about, and see how your legacy can support loved ones and charities over time. Open → Military · Tax Benefits Military Tax Benefits Calculator: BAH & BAS Savings Enter your monthly BAH and BAS to estimate your yearly tax-free income and the federal tax you save. Free calculator for service members. Open → Qualifying · Income & DTI Mortgage Income Calculator: Max Debt by Loan Type Add up your qualifying income and see the most total monthly debt lenders allow for conventional, FHA, VA, USDA and jumbo loans. Open → Legacy · Influence Your Real Impact on The World | Stairway Mortgage See how many lives you could touch by sharing God Open →
More Calculators 16
Comparison · 15 vs 30 Year 15 vs 30 Year Mortgage Calculator Compare a 15-year and a 30-year mortgage side by side: monthly payment, total interest and lifetime difference. Free comparison calculator. Open → Broker Tool · Anti-Steering Disclosure Anti-Steering Disclosure Calculator for Brokers Compare total closing costs across the lowest-rate, Loan Estimate and highest-rate options to complete a broker anti-steering disclosure. Open → Buyer · Closing Costs Closing Cost Calculator for Home Buyers Enter your loan amount and fees to estimate your cash to close, broken down the same way as your Loan Estimate. Free buyer closing cost tool. Open → Comparison · Total Costs Compare 3 Mortgage Offers: Total Cost Calculator Line up three mortgage offers against your Loan Estimate and see the monthly difference, break-even point and total cost over the loan term. Open → Comparison · Interest Costs Compare Two Mortgage Offers: Total Interest Calculator Put two mortgage offers side by side and see total interest over the loan term and the monthly, yearly and lifetime difference. Open → Homeowner · Insurance Flood Insurance Cost Calculator: Estimate Your Premium Estimate your yearly flood and hazard insurance cost from home size, rebuild cost, coverage, deductible and coastal risk. Free calculator. Open → Florida · Homeowners Insurance · 2026 Florida Home Insurance Cost by County: 2026 Calculator Home insurance cost ranges for all 67 Florida counties from state OIR and Citizens data, the monthly escrow they add, and how your quote compares. Not a quote. Open → Tools · Home Value Home Value Estimator: Average Zillow, Realtor & More Average your home Open → Tools · Interest-Only Interest-Only Mortgage Payment Calculator Compare an interest-only payment with a regular principal and interest payment and see the monthly and yearly cash-flow difference. Open → Payoff · Extra Payments Mortgage Payoff Calculator with Extra Payments | Stairway Mortgage See how much faster you can pay off your mortgage by adding extra to each monthly payment. Built by Jim Blackburn, NMLS #1072866. Open → Financing · Points & Buydown Mortgage Points Calculator: Is Buying Down Worth It? See how much paying points lowers your monthly payment and how many months it takes to break even. Free mortgage points calculator. Open → Comparison · Points Only Mortgage Points Comparison: 3 Options Side by Side Compare three payment options by discount points and see the monthly difference, break-even point and total cost over the loan term. Open → Selling · Net Proceeds Net Proceeds Calculator | Stairway Mortgage Estimate how much cash you Open → Buying · Rent vs. Own Rent Versus Buying a Home Calculator | Stairway Mortgage Compare the annual cost of renting versus owning, plus your home Open → Planning · Cash Reserves Reserves Calculation | Stairway Mortgage Add up your monthly expenses to see how much cash you Open → Spec Home · Build to Sell Spec Home Calculator: Buy, Tear Down, Build & Sell Estimate cash to close, holding costs and profit on a spec home you buy, tear down and rebuild to sell with one loan. Free builder calculator. Open →
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