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Free Tools for
Smarter Decisions

EMI, GST, SIP, XIRR, EPF, RD, Inflation Calculator, Rent Receipt Generator, Regex Tester and more — instant results, always free.

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🛠 All Free Tools
50 tools — no signup, works on any device
💰 Finance & Investment
🏦
Loan Calculator
EMI Calculator
Monthly instalments for home, car & personal loans with amortisation and prepayment analysis.
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🏠
Loan Calculator
Home Loan Calculator
Home loan EMI, total interest, amortisation table, prepayment savings, and Section 24 tax benefit.
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Loan Calculator
Loan Eligibility
How much loan you qualify for based on income, FOIR, existing EMIs and CIBIL score.
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🧾
Tax Calculator
GST Calculator
Add or reverse GST instantly. All slabs — 5%, 12%, 18%, 28%. CGST/SGST/IGST split shown.
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Tax Tool
GST Invoice Generator
Generate professional GST invoices with all mandatory fields. Download as PDF instantly.
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Tax Calculator
Income Tax Calculator
New vs old regime comparison for FY 2025-26. Includes 87A rebate, surcharge and cess.
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📊
Investment Calculator
SIP Calculator
Monthly SIP returns, wealth growth, step-up SIP projections and goal planner.
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📈
Investment Calculator
Step-Up SIP Calculator
See how annual SIP increases compound your wealth. Compare flat SIP vs step-up SIP returns.
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Investment Calculator
XIRR Calculator
Accurate returns for irregular SIPs or multiple cash flows on different dates. More precise than CAGR.
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📈
Investment Calculator
Compound Interest
See how money grows over time. Daily, monthly and annual compounding with year-by-year breakdown.
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📗
Investment Calculator
PPF Calculator
15-year PPF maturity amount, partial withdrawal eligibility, loan against PPF, and extension corpus.
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Investment Calculator
FD Calculator
Fixed deposit maturity with quarterly compounding, TDS above ₹40,000, and senior citizen rates.
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Investment Calculator
RD Calculator
Recurring deposit maturity amount with quarterly compounding. Compare RD vs FD for monthly savings.
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Investment Calculator
NPS Calculator
NPS corpus at retirement, monthly pension, 80CCD deduction, and Tier I vs Tier II comparison.
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💼
Investment Calculator
EPF Calculator
EPF maturity amount, employee + employer contribution breakdown, and interest earned over your career.
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🌅
Planning Calculator
Retirement Calculator
How much corpus you need, inflation-adjusted goals, EPF + NPS + SIP strategy, and withdrawal rate.
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💼
Salary Calculator
Salary / CTC Calculator
CTC to in-hand pay breakdown — PF, gratuity, HRA, LTA, special allowances, and tax impact.
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Finance Calculator
Gratuity Calculator
Gratuity amount on retirement or resignation, eligibility check, and the ₹20 lakh tax-free limit.
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🏠
Tax Calculator
HRA Calculator
HRA exemption using actual rent, 50%/40% salary rule, and metro vs non-metro calculation.
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Tax Tool
Rent Receipt Generator
Generate rent receipts instantly for HRA exemption claims. Download as PDF with all mandatory fields.
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💱
Finance Tool
Currency Converter
Live exchange rates for 150+ currencies. INR to USD, EUR, GBP and more — updated in real time.
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🏷️
Shopping Calculator
Discount Calculator
Sale price, percentage off, reverse discount, and final price with GST — 4 modes in one tool.
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💵
Finance Calculator
Simple Interest
Simple interest amount, total repayment, and comparison with compound interest for the same period.
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📉
Finance Calculator
Inflation Calculator
See how inflation erodes your money's value. What today's ₹1 lakh will be worth in 10, 20 or 30 years.
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⛽
Travel Calculator
Fuel Cost Calculator
Trip fuel cost by distance and mileage. Compare petrol, diesel, CNG and EV running costs.
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%
Math Calculator
Percentage Calculator
All 6 percentage modes — GST, discount, salary hike, marks, CGPA, percentage change and more.
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💰
Lifestyle Calculator
Tip Calculator
How much to tip at restaurants, salons, hotels and delivery. Bill splitting for groups made easy.
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⚕️ Health & Lifestyle
⚖️
Health Calculator
BMI Calculator
Body mass index with Indian ICMR and WHO categories, waist measurement guide and healthy range.
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🔥
Health Calculator
BMR Calculator
Basal metabolic rate using Mifflin-St Jeor formula, TDEE, calorie targets for weight loss or gain.
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🥗
Health Calculator
Calorie Calculator
Daily calorie requirements based on ICMR standards, age, gender, weight, height, and activity level.
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💧
Health Calculator
Water Intake Calculator
Daily water intake target based on weight, activity level, and climate — in litres and glasses.
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🎂
Date Calculator
Age Calculator
Exact age in years, months, days and hours. UPSC, SSC, school admission cutoff date support.
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🔧 Utility, Writing & Developer Tools
⌨️
Productivity Tool
Typing Speed Test
Test your WPM and accuracy. 1, 2 and 5 minute modes. Government exam typing test practice.
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💻
Developer Tool
JSON Formatter
Format, validate and minify JSON instantly. Syntax highlighting, error detection, tree view, download.
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🖼️
Media Tool
Image Compressor
Compress JPG, PNG and WebP images in your browser. No upload, no server — instant download.
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📝
Developer Tool
Text Diff Checker
Compare two blocks of text and see every addition, deletion and change highlighted side by side.
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🔎
Developer Tool
Regex Tester
Test and debug regular expressions live. Match highlighting, pattern library, token explanations.
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🔐
Developer Tool
Base64 Encoder/Decoder
Encode and decode Base64 text and files instantly. Supports text, images, and URL-safe encoding.
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🔒
Security Tool
Password Generator
Strong, random passwords in one click. Custom length, symbols, numbers — nothing stored.
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📱
Generator
QR Code Generator
QR codes for URLs, WiFi, UPI payments, plain text and vCards. Download as PNG instantly.
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📝
Writing Tool
Word Counter
Words, characters, sentences, paragraphs and reading time in real time. Paste any text.
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✦
Writing Tool
Character Counter
Count characters with platform limits for Twitter, Instagram, LinkedIn, SMS, Google Ads, SEO.
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🔤
Text Tool
Case Converter
UPPERCASE, lowercase, Title Case, camelCase, snake_case and 7 more formats in one click.
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🔁
Text Tool
Word Repeater
Repeat any word, phrase or sentence a custom number of times. Useful for testing and filler text.
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🔢
Finance Tool
Number to Words
Convert numbers to words for cheques and legal documents. Indian lakh/crore and international formats.
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🎨
Design Tool
Color Picker
Pick colors and convert instantly between HEX, RGB, HSL. Generate palettes from any base color.
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🔄
Converter
Unit Converter
Length, weight, temperature, speed, data storage, area — including Indian units like bigha and tola.
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🎓
Education Tool
CGPA Calculator
CGPA to percentage for CBSE, Anna University, VTU and more. Grade point average made simple.
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📄
Design Tool
Lorem Ipsum Generator
Placeholder text in paragraphs, sentences or words for designers, developers and writers.
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🎲
Utility Tool
Random Number Generator
Random numbers in any range, multiple unique picks, dice rolls, coin flips — cryptographically random.
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Why ToolLoom?
Built for India, works everywhere
⚡
Instant Results
Every tool gives you answers in milliseconds. No loading spinners, no delays — just results.
🔒
No Signup Required
Zero accounts, zero emails, zero tracking. Use any tool anonymously, every single time.
🇮🇳
Built for India
GST slabs, UPSC cutoffs, ICMR BMI, UPI QR codes, INR formatting — designed for Indian users.
📱
Works on Any Device
Fully responsive — works perfectly on mobile, tablet and desktop without any app download.
📖
Deep Guides Included
Every tool has a companion guide — not just the calculator, but the full explanation of how and why.
🎯
Always Free
No subscription, no account, no tracking of your inputs. ToolLoom is and will always be free.
📖 Latest Guides
In-depth articles updated for June 2026
View all 70 guides →
📉 Finance Guide

Inflation Calculator Guide: Why ₹1 Lakh Today Won't Buy the Same Tomorrow

How CPI inflation is measured in India, historical inflation rates, and how to inflation-proof your long-term savings.

📅 Jun 2026 · 8 minRead →
📊 Investment Guide

XIRR Calculator Guide: Why It's More Accurate Than CAGR for SIPs

What XIRR measures vs CAGR, how to calculate XIRR for SIPs with irregular cash flows, and reading your mutual fund XIRR correctly.

📅 Jun 2026 · 8 minRead →
🏁 Retirement Guide

Retirement Calculator India: How Much Do You Really Need to Retire?

Retirement corpus formula, inflation-adjusted calculations, EPF + NPS + PPF + SIP strategy, and what ₹1 crore actually buys in 2046.

📅 Jun 2026 · 11 minRead →
🏠 Loan Guide

Home Loan Calculator Guide: EMI, Amortisation, Prepayment & Tax Benefits

How home loan EMIs are calculated, Section 24 and 80C deductions, prepayment vs tenure reduction, and PMAY subsidy eligibility.

📅 Jun 2026 · 11 minRead →
📊 Investment Guide

PPF vs FD vs SIP: Complete Comparison for Indian Investors (2026)

Returns, liquidity, tax treatment, risk, lock-in periods, and the right choice at every income level and financial goal.

📅 Jun 2026 · 10 minRead →
💼 Salary Guide

Salary Calculator India: CTC, In-Hand Pay, PF, Gratuity & Tax Explained

How CTC breaks down into take-home pay, PF contributions, HRA, LTA, and new vs old regime impact on your monthly salary.

📅 Jun 2026 · 10 minRead →

All Tools Are Free — Always

No account. No subscription. No hidden fees. ToolLoom is and will always be free for everyone.

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