J&L Financial Tool Set is a set of financial planning tools to aid you in making those important financial decisions like loans, mortgages, refinancing, credit card debt payoff as well as other easy to use tools. The set contains the following tools -- A detailed mortgage calculator, a mortgage refinancing analysis, an accelerated mortgage payment analysis, a loan calculator, an inflation calculator, a Taxes / Inflation / Investment calculator, a trade-off analysis, an effective rate calculator, and a credit card debt payoff analysis.