Terms of use
Use the estimates as a starting point, not a substitute for advice
By using STL, you agree to use the service lawfully and to verify any result before relying on it for a material decision.
Last updated: July 13, 2026
Educational service only
Calculators, explanations, charts, and examples are general educational information. They do not create an adviser, fiduciary, accountant, attorney, lender, broker, insurer, or client relationship.
Estimates and no warranty
Results depend on the inputs and assumptions you choose. To the extent permitted by law, the service is provided “as is” and “as available” without a guarantee of accuracy, completeness, suitability, uninterrupted availability, or fitness for a particular purpose.
Your responsibility
You are responsible for checking inputs, current laws, product terms, taxes, fees, and eligibility. Verify important results with the relevant institution, official source, and a qualified professional before acting. Do not use the service for unlawful activity or attempt to disrupt or misuse it.
Links, content, and availability
Third-party links are provided for reference; we do not control their content, availability, or policies. Site design, original copy, and code are protected by applicable rights, excluding third-party materials and open-source components under their own licenses.
Tools, features, and these terms may change as formulas, sources, and the service evolve. The date at the top identifies the current published version.
