Tool-path generation is a key issue in sheet metal incremental forming process, and existing approaches either are prone to computationally expensive or cannot be applied to stereolithography (STL) model including defects. Thus, a new tool-path generation method is presented by adopting the thought of generating cutter-location (CL) data directly from corresponding cutter-contact (CC) data. By analyzing the interference characteristics between fillet-end tool and model surface and considering tangential case and intersection case comprehensively, a discrete computational model is proposed to calculate single-layer interference-free CL contour, instead of computing a precise CL point by checking potential interferences from candidate facet, vertices, and edges, respectively. So this method is more efficient and easier for program implementation. Additionally, a fast recursive search algorithm is developed to identify and extract flat area features, and an efficient 2D invalid loops removal algorithm based on decomposition thought is presented to obtain valid CC contours and CL contours with a near linear time-complexity. Implementation tests prove that the new method is effective and robust for STL model with defects, and tool-path achieved is highly precise. It is also applicable to various tool shapes and suitable for planning various types of tool-paths to meet different SMIF process requirements.