Disclaimer

Effective date: July 12, 2026

Educational content, not advice

Stoia is a software company, not a registered investment adviser, broker-dealer, accountant, or law firm. Nothing on this website — articles, calculators, comparisons, examples, or FAQ answers — constitutes financial, investment, legal, or tax advice, and none of it is tailored to your personal circumstances. Content is provided in good faith for general education.

About the calculators

Our calculators perform straightforward math on the numbers and assumptions you enter. Results are estimates: real-world outcomes depend on rates that change, taxes and fees the calculators simplify or omit, and behavior no formula predicts. A projection at an assumed 7% return is an illustration, not a promise — markets go down as well as up, and past performance does not guarantee future results.

About third-party information

Prices, features, and statistics about third-party products (other finance apps, savings rates, survey data such as the Federal Reserve's Survey of Consumer Finances) were checked at the time of publication and can change without notice. Verify anything important directly with the source before acting on it.

Do your own diligence

Before making significant financial decisions — investing, paying off large debts, buying property, changing insurance — consider consulting a qualified professional who can evaluate your specific situation: a fee-only fiduciary financial planner, a CPA, or an attorney as appropriate.

Questions

If anything here is unclear, write to info@getstoia.com.