EMI Calculator
Estimate monthly EMI, total interest, and amount payable for a loan.
UTILNIVO
Fast, simple, and privacy-friendly online tools that work directly in your browser. No account required.
Estimate monthly EMI, total interest, and amount payable for a loan.
Calculate mortgage payments, interest, and totals.
Estimate monthly auto loan payments from price, down payment, rate, and term.
Plan payoff timelines and interest for credit card debt.
Project retirement savings growth over time.
Organize income and expenses into a simple budget.
Calculate compound interest growth on savings or investments.
Estimate returns from systematic investment plans.
Estimate tax from income using a simple percentage rate (not full tax brackets).
Convert prices before and after sales tax.
Convert salary to hourly, daily, weekly, monthly, and annual pay.
Convert hourly pay to weekly, monthly, and annual salary.
Estimate take-home pay from gross pay and simple deductions.
Estimate how much rent you can afford from your income.
Calculate time-and-a-half and other overtime pay totals.
Find the final price after a discount and sales tax.
Estimate monthly loan payments, total interest, and a basic amortization summary.
See how extra monthly payments reduce loan interest and payoff time.
Estimate how long it takes to pay off a loan balance and how much interest you will pay.
Calculate front-end and back-end debt-to-income ratios from income and monthly debts.
Calculate simple or compound interest on a principal over time.
Combine multiple PDF files into one document.
Split a PDF into separate pages or ranges.
Rotate PDF pages to the correct orientation.
Unlock a PDF when you know the password.
Add text or image watermarks to PDF pages.
Compress images to reduce file size.
Resize images to custom dimensions.
Convert images between JPG, PNG, and WebP formats.
Crop images to focus on the area you need.
Apply blur effects to images.
Add text or logo watermarks to images.
Convert an image file to Base64 or a data URL.
Decode Base64 or a data URL into an image file.
Create PNG favicons in common sizes from an image.
Inspect file and basic image metadata read locally in your browser.
Simplify width and height into an aspect ratio.
Convert between pixels, print size, and DPI/PPI.
Build color palettes from a seed hex color or an image.
Sanitize and minify SVG markup in your browser.
Unscramble letters into words with Medium and High difficulty modes.
Count words, sentences, characters, and paragraphs with reading time estimates.
Estimate reading and speaking time from text with adjustable speeds.
Compare two pieces of text and highlight changes.
Count characters with and without spaces in real time.
Convert text between upper, lower, title, sentence, and programming cases.
Remove duplicate lines from a block of text.
Sort lines or words alphabetically, or reverse line order.
Create APA, MLA, and Chicago citation drafts for common sources.
Generate random text strings for testing and placeholders.
Generate secure random passwords with customizable length and character sets.
Pick a name or item at random from a list.
Generate placeholder Lorem Ipsum text for designs and drafts.
Format, minify, and validate JSON with optional key sorting.
Compare two JSON documents and list structural differences.
Format, minify, and validate XML with readable indentation.
Compare two XML documents and list structural differences.
Encode and decode text with Base64.
Decode JWT tokens to inspect header and payload claims.
Generate UUIDs for apps, tests, and databases.
Test regular expressions against sample text.
Format SQL queries for readability.
Convert between Unix timestamps and human-readable dates.
Format a resume from your details using templates (not AI).
Build cover letter drafts from templates (not AI).
Draft emails from purpose, tone, and topic templates (not AI).
Build clearer prompts for AI tools and assistants.
Offline grammar and clarity suggestions (not a full AI writing assistant).
Generate structured outlines for blog posts and articles.
Calculate exact age in years, months, and days from a date of birth.
Count days, weeks, and months between two dates.
Count time remaining until a date or event.
Count weekdays between two dates, excluding holidays.
Find the difference between two clock times.
Calculate percentages, increases, decreases, and ratios.
Estimate how much an appliance costs to run.
Calculate body mass index using metric or US units with a general classification.
Convert between common units of length, weight, volume, and temperature.
Convert amounts using an exchange rate you enter (not live market rates).
Compare times across world time zones.
Create QR codes from text or URLs.
Generate barcodes for products and labels.
Generate printable monthly calendars.
Run focus sessions with short and long breaks using the Pomodoro method.
Explore baby name ideas by style and starting letter.
Estimate a due date from the start of the last period.
Calculate weighted grades and final scores.
Find what score you need on your final exam.
Calculate weighted GPA from course credits and letter grades or grade points.
Convert correct and incorrect answers into a percentage and letter grade.
Estimate trip fuel costs from distance and price.
Calculate fuel efficiency and mileage.
Estimate electric vehicle charging costs.
Plan total road trip costs including fuel and extras.
Split a restaurant bill evenly with tip and tax.
Calculate tip, total, and per-person amounts for a bill.
Scale recipe ingredients up or down by servings.
Estimate daily calorie needs from basic inputs.
Estimate daily water intake recommendations.
Pick one or more random options from a list.
Encode or decode URL-safe text.
Convert CSV with headers into a JSON array of objects.
Convert a JSON array of objects into CSV.
Check WCAG contrast ratios between two colors.
Format or minify HTML markup in your browser.
Format or minify CSS stylesheets.
Format or minify JavaScript code.
Format and validate YAML documents.
Preview CSV as a table and reformat it cleanly.
Encode or decode HTML entities.
Generate SHA-256, SHA-384, and SHA-512 hashes.
Generate SHA-256 file checksums in your browser.
Convert colors between HEX, RGB, HSL, and HSV.
Preview GitHub-flavored Markdown as HTML.
Explain 5-field cron expressions in plain language.
Calculate profit, margin percent, and markup percent.
Build a plain-text invoice draft from line items.
Loan, interest, tax, and money planning tools.
Merge, split, compress, and convert PDF files.
Compress, resize, convert, and edit images.
Word counters, converters, and writing utilities.
Formatters, encoders, and developer utilities.
Writing helpers and AI-assisted productivity tools.
Tools for business planning and productivity.
Quick calculators for numbers, dates, and estimates.
Password and privacy-focused utilities.
General-purpose tools for common daily tasks.
Tools for parents and family planning.
Grade, GPA, and test score calculators for students and teachers.
Fuel, mileage, and trip cost calculators.
Recipe, calorie, and nutrition helpers.
Estimate monthly EMI, total interest, and amount payable for a loan.
Calculate mortgage payments, interest, and totals.
Estimate monthly auto loan payments from price, down payment, rate, and term.
Plan payoff timelines and interest for credit card debt.
Project retirement savings growth over time.