Common questions

STWLTH Wealth is a free suite of financial simulators, built by Stwlth Software, for people who want honest math on the decisions that actually move the needle. Our flagship is the DebtLOC Payoff Simulator — the only calculator that shows you the real math on velocity banking / HELOC strategies, including when they help, when they don't, and how small the actual benefit typically is vs simple extra payments. We cut through the hype.

Yes. All 19 tools are free, including everything that used to require Premium or Ultimate: advanced options, full DebtLOC analysis, PDF & CSV export, and net-worth tracking. If you're not signed in, we ask for an email address once before you use the tools — never sold or shared. Saving scenarios, share links, and tracking need a free account so there's somewhere to store your data.

Every feature from both plans is now free for everyone, and we no longer sell subscriptions. If you still have one, you don't need it for anything — cancel it anytime from Settings → Manage billing.

No. Never. We will never ask for access to your bank, brokerage, or any financial institution. There is no Plaid integration, no account linking, no screen scraping. You type in your own numbers — we do the math.

Yes. Your data is stored securely in a PostgreSQL database with row-level security — meaning you can only access your own data. All traffic is encrypted in transit. We don't sell, share, or use your data for advertising, and we don't make money from it — STWLTH Wealth is built and funded by Stwlth Software, a software company.

Only the essentials. We use a session cookie for authentication (keeping you logged in) — that's it. We don't use tracking cookies, advertising cookies, or third-party marketing pixels. Our analytics are cookieless by design, so there's no cookie banner because there's nothing to consent to.

Our calculators use standard financial formulas — amortization, compound interest, inflation-adjusted withdrawals, etc. All calculations run in your browser in real time. We show transparent math with no black boxes. That said, these are simulators, not financial advice. Real returns, tax situations, and life circumstances vary.

Because the space is full of $500–$5,000 courses and YouTube gurus selling a strategy that mostly works by accident. Our DebtLOC simulator is built to be honest — it shows the real math, including the cases where the HELOC strategy actively loses to simple extra payments (which is most cases at current HELOC rates). Everyone gets the headline verdict plus the full sensitivity, chunk optimization, and opportunity-cost modeling. No course to buy.

No. The tools model general-purpose financial decisions — mortgage payoff, salary negotiation, rent vs buy, tax brackets, debt acceleration — that matter regardless of your retirement timeline. A few (FIRE Number, Coast FIRE, One More Year) are specifically built for people modeling an early-retirement path, but the rest are broadly useful.

Yes. With a free account you can save as many scenarios as you like on any tool, load them later, and share them with a link.

Some calculators include an opt-in "Ask STWLTH" panel that explains the math of your current scenario. When you ask a question, your current inputs and results (numbers only — no name, email, or account ID) are sent to Anthropic's Claude model, grounded by our own methodology docs (embedded with Voyage AI). We never store your questions or scenario data — only anonymous counters (token usage, latency, thumbs up/down) and a cache keyed by irreversible hashes. Signed-out visitors get 3 AI answers a day; a free account gets 25. If AI is unavailable, the panel falls back to our static methodology docs. AI answers explain math — they are never financial advice.

No. STWLTH is a set of financial simulators — tools that help you model scenarios and understand the math behind financial decisions. We are not financial advisors and nothing on this site constitutes financial advice. Always consult a qualified professional for decisions specific to your situation.