🧰 ToolBox

How the EMI calculator works

EMI (Equated Monthly Instalment) is calculated with the standard reducing-balance formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P is the principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the tenure in months. The calculator also shows total interest and the total amount you will pay over the life of the loan.

Why use it

Before taking a home or car loan, this tells you exactly what the loan costs each month and overall — so you can compare tenures and rates, and see how a longer tenure lowers the EMI but raises total interest.

GST rates in India

Goods and Services Tax in India uses slabs of 5%, 12%, 18% and 28% (with special rates for some goods). The most common slab for services is 18%. Use "Add GST" when your price is before tax, and "Remove GST" when you have a final amount that already includes GST and want the base price.

How SIP returns are estimated

A SIP invests a fixed amount every month. The future value uses the annuity-due formula: FV = P × ((1+i)ⁿ − 1) / i × (1+i), where i is the monthly return and n the number of instalments. It shows the amount invested versus the estimated returns.

FD maturity formula

Maturity = P × (1 + r/f)^(f×t), where r is the annual rate, f is how many times interest compounds per year, and t is the number of years. Most bank FDs compound quarterly.

Compound vs simple interest

Compound interest earns interest on interest: Amount = P × (1 + r)^t. Simple interest only grows on the original principal: A = P × (1 + r×t). Over long periods, compounding makes a large difference — this is the principle behind long-term investing.

Live exchange rates

Rates come from the European Central Bank reference rates (via Frankfurter), with a second free provider as fallback. They update on business days. Popular conversions include USD to INR, EUR to INR, GBP to INR and AED to INR.

How age is calculated

The calculator compares today's date with your date of birth and reports the difference in years, months and days, along with your total days lived and how many days until your next birthday. Useful for forms, exams, insurance and age-proof requirements.

Percentage formulas

X% of Y = X/100 × Y. X is what % of Y = X/Y × 100. Percentage change = (Y − X)/|X| × 100. These cover marks, discounts, tips, growth rates and price changes.

What BMI means

BMI = weight (kg) ÷ height (m)². Categories: under 18.5 is underweight, 18.5–24.9 normal, 25–29.9 overweight, 30+ obese. BMI is a rough screening tool, not a diagnosis — it does not account for muscle, age or body composition. For personal health advice, consult a doctor.

Days between dates

Enter any two dates to see the exact number of days, plus the equivalent in weeks, months and years. Handy for project deadlines, leave planning, billing cycles and countdowns.

Unit conversions made easy

Convert kilometres to miles, kilograms to pounds, Celsius to Fahrenheit, litres to gallons, and many more across eight categories. Values use standard conversion factors, so they match reference tables.

Word count for essays, SEO and social posts

Track word and character limits for assignments, blog posts, meta descriptions and tweets. The reading time assumes an average of 200 words per minute.

Change text case instantly

Useful for headings, code identifiers, variable names and cleaning up text that was typed with caps lock on. camelCase, snake_case and kebab-case are the common naming styles in programming.

Strong passwords, generated locally

Passwords are built with your browser's crypto.getRandomValues, which is cryptographically secure, and they never leave your device. Longer passwords with mixed character sets are far harder to crack.

Random picks for draws and games

Generate lottery numbers, dice rolls, or pick a random winner. Uses the browser's secure random source for unbiased results.

What Base64 is

Base64 turns binary or text data into a safe ASCII string, commonly used in data URLs, email attachments and API tokens. It is an encoding, not encryption — anyone can decode it.

URL encoding

Special characters in a URL (spaces, &, ?, =) must be percent-encoded so browsers and servers read them correctly. This tool handles the conversion both ways.

QR codes for links, Wi-Fi and text

QR codes encode text, URLs, contact details or Wi-Fi credentials into a scannable square. This generator runs fully in your browser — the code is created locally and can be downloaded as an image.