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About the project

Clear calculations for better financial questions

STL is an independent collection of free calculators led by ten flagship tools for major U.S. money decisions. No account is required, and every result should be treated as a starting point—not a promise.

Last updated: July 13, 2026

What we are here to do

Financial formulas are often simple; the assumptions around them are not. We turn those formulas into focused tools that show inputs, outputs, and useful context in one place.

  • Provide fast, understandable scenario estimates.
  • Show scope, limitations, and primary sources near each tool.
  • Work without requiring an account or personal profile.
  • Support light and dark themes, mobile screens, and keyboard use.

What we are not

We are not a bank, broker, lender, insurer, accounting firm, law firm, or government agency. The site does not know your complete financial situation and does not provide individualized financial, tax, legal, investment, or credit advice.

Rates, laws, eligibility rules, fees, and market conditions can change. Check the cited authority and a qualified professional when the decision is material.

How we earn trust

We publish our calculation process, identify jurisdiction-specific tools, link to primary sources, and say plainly when a calculator has not been reviewed by a licensed professional. Corrections are made in the tool and documented through the project's normal version history.

Read the methodology, editorial policy, and source directory for the details.