# STC Trader — Small Trading Capital

> STC Trader (www.stctrader.com) provides free calculators and strategy documentation built specifically for retail options traders with $500 to $10,000 accounts. The platform emphasizes how account size dictates strategy selection, focusing on mitigating assignment shortfall risk, calculating Wheel APY/ROC returns, and navigating 2026 intraday margin compliance & day trade rules under $25,000.

## Interactive Tools
- [Strategy Finder Wizard](https://www.stctrader.com/tools/strategy-finder.html): Interactive multi-step wizard matching account capital tier ($500–$10k), account type (cash vs margin), and risk goal with safe strategy blueprints.
- [Assignment Shortfall Calculator](https://www.stctrader.com/tools/buying-power-checker.html): Interactive tool calculating buying power reduction and cash shortfalls/surpluses for cash-secured puts, covered calls, and uncovered short calls.
- [Wheel Yield & APY Calculator](https://www.stctrader.com/tools/yield-calculator.html): Interactive calculator computing Return on Collateral (ROC %), Annualized Yield (APY %), breakeven cushion, and delta-based win probabilities.
- [PDT & Intraday Margin Risk Tracker](https://www.stctrader.com/tools/pdt-tracker.html): Interactive rolling 5-session day-trade tracker and 2026 intraday risk-based margin compliance tracker for small accounts under $25,000.

## Core Guides & Strategy Documentation
- [Small Account Options Trading Guide](https://www.stctrader.com/guides/small-account-options-trading.html): Pillar guide detailing account brackets ($500–$1k, $1k–$5k, $5k–$10k), accessible strategies, and position sizing.
- [Best Stocks Under $20 & $50 for Small Accounts](https://www.stctrader.com/guides/best-stocks-for-small-accounts.html): Stock selection criteria and liquid ticker guidelines for cash-secured puts on $500 to $3,000 accounts.
- [Robinhood PDT & Day Trading Rules Explained](https://www.stctrader.com/guides/robinhood-pdt-rules-explained.html): Broker-specific breakdown of Robinhood Instant margin traps, day trade settings, 2026 FINRA 4210 risk rules, and cash account switches under $25,000.
- [Pattern Day Trader & 2026 Margin Rules Explained](https://www.stctrader.com/guides/pattern-day-trader-rule-explained.html): Mechanics of day trade tracking, 2026 FINRA 4210 intraday risk monitoring amendments, and cash account T+1 settlement alternatives.
- [What Happens When Option Assigned](https://www.stctrader.com/guides/what-happens-when-option-assigned.html): Step-by-step breakdown of OCC assignment mechanics across put, call, and naked positions.
- [Covered Calls for Small Accounts](https://www.stctrader.com/guides/strategy/covered-calls-small-account.html): Running covered calls on sub-$40 stocks with limited capital.
- [Cash-Secured Puts for Small Accounts](https://www.stctrader.com/guides/strategy/cash-secured-puts-small-account.html): Sizing cash-secured puts safely so assignment does not over-concentrate a small account.
- [Credit Spreads for Small Accounts](https://www.stctrader.com/guides/strategy/credit-spreads-small-account.html): Defined-risk bull put and bear call spreads reducing capital requirements by 90%+.
- [Iron Condors for Small Accounts](https://www.stctrader.com/guides/strategy/iron-condors-small-account.html): Non-directional income strategies with capped risk for accounts under $5,000.
- [Wheel Strategy for Small Accounts](https://www.stctrader.com/guides/strategy/wheel-strategy-small-account.html): Cycling between puts and calls on affordable underlying stocks.

## Optional Full Context
- [Full Text Documentation](https://www.stctrader.com/llms-full.txt): Complete raw markdown text of all guides and tool calculations for deep LLM context ingestion.