Tools platform

Free tools for practical decisions.

Start with mortgage and finance tools, then explore developer, text, image, education, and health utilities.

Finance

Finance tools

Filter by task and browse nine tools at a time.

Buying

Mortgage Calculator

Estimate principal, interest, taxes, insurance, PMI, HOA, and total monthly payment.

Open tool Payment

PITI Calculator

Estimate principal, interest, taxes, insurance, PMI, and total monthly PITI.

Open tool Qualification

Home Affordability Calculator

Estimate affordable home price, monthly mortgage budget, DTI, and loan amount.

Open tool Refinancing

Refinance Calculator

Compare current payment, new payment, monthly savings, costs, and break-even timing.

Open tool Payment

Amortization Calculator

Estimate monthly payment, total interest, and yearly principal vs interest schedule.

Open tool Payment

Extra Payment Calculator

Estimate interest saved, payoff time saved, and extra monthly payment impact.

Open tool Qualification

PMI Calculator

Estimate private mortgage insurance, loan amount, down payment percentage, and PMI status.

Open tool Buying

Closing Cost Calculator

Estimate closing costs, cash needed at closing, and a common cost range.

Open tool Qualification

Debt-to-Income Ratio Calculator

Estimate front-end DTI, back-end DTI, total monthly debt, and affordability signal.

Open tool Buying

Rent vs Buy Calculator

Compare monthly rent, ownership cost, and total cost over your expected time in the home.

Open tool Buying

Down Payment Calculator

Estimate down payment percentage, loan amount, target gap, and PMI likelihood.

Open tool Advanced

Loan Comparison Calculator

Compare two mortgage loans by payment, interest, total payment, and total cost.

Open tool Advanced

ARM Calculator

Estimate introductory and adjusted payments for an adjustable-rate mortgage scenario.

Open tool Advanced

APR Calculator

Estimate APR, monthly payment, total interest, and loan cost after fees.

Open tool Taxes & Insurance

Property Tax Calculator

Estimate annual property tax, monthly tax, and housing cost contribution.

Open tool Payment

Biweekly Mortgage Calculator

Estimate biweekly payment, interest saved, and payoff time saved.

Open tool Advanced

Interest-Only Mortgage Calculator

Estimate interest-only payment, later payment, total interest, and payment risk.

Open tool Advanced

Balloon Mortgage Calculator

Estimate monthly payment before balloon, balloon balance, and payoff risk.

Open tool Refinancing

Cash-Out Refinance Calculator

Estimate cash out, new payment, loan-to-value, and total loan cost.

Open tool Payment

Mortgage Payoff Calculator

Estimate payoff timeline, interest saved, and time saved with extra payments.

Open tool Advanced

HELOC Calculator

Estimate available HELOC credit, current LTV, combined LTV, and interest-only payment.

Open tool Advanced

Home Equity Loan Calculator

Estimate home equity loan payment, total interest, total payment, and combined LTV.

Open tool Qualification

Loan-to-Value Calculator

Calculate LTV ratio, estimated equity, down payment percentage, and LTV signal.

Open tool Buying

Cash-to-Close Calculator

Estimate down payment, closing costs, prepaids, credits, and total cash to close.

Open tool Buying

Seller Credit Calculator

Estimate seller concessions and remaining closing costs after credits.

Open tool Advanced

Mortgage Points Break-Even Calculator

Compare upfront discount point cost with estimated monthly payment savings.

Open tool Advanced

Rate Lock Cost Calculator

Estimate rate lock cost, payment difference, locked payment, and break-even timing.

Open tool Taxes & Insurance

Escrow Calculator

Estimate monthly escrow for taxes, insurance, PMI, and cushion planning.

Open tool Buying

Appraisal Gap Calculator

Estimate appraisal gap, maximum loan from appraisal, and additional cash needed.

Open tool Taxes & Insurance

Property Tax Reassessment Calculator

Estimate reassessed annual property tax, monthly tax, and payment change.

Open tool Advanced

Loan Calculator

Estimate monthly payment, total interest, and total repayment for a fixed-rate loan.

Open tool Advanced

Savings Calculator

Estimate future savings value, total contributions, and interest earned.

Open tool

Developer

Developer tools

Active

JSON Formatter

Format, validate, and inspect JSON in your browser without sending data to a backend.

Open tool Active

Base64 Encoder

Encode text to Base64 or decode Base64 values directly in the browser.

Open tool Active

UUID Generator

Generate random version 4 UUIDs for testing, prototypes, records, and developer workflows.

Open tool Active

Timestamp Converter

Convert Unix timestamps into local time, UTC time, ISO format, seconds, and milliseconds.

Open tool Active

Regex Tester

Test regular expressions against sample text and view matches instantly.

Open tool

Text

Text tools

Active

Word Counter

Count words, characters, reading time, sentences, and spacing details.

Open tool Active

Character Counter

Count characters, characters without spaces, lines, words, and paragraphs.

Open tool Active

Password Generator

Generate random passwords with length, lowercase, uppercase, number, and symbol options.

Open tool

Image

Image tools

Active

QR Code Generator

Create a real QR code for short URLs and text snippets directly in your browser.

Open tool

Education

Education tools

Active

GPA Calculator

Estimate GPA from course credits and letter grades using a standard 4.0 scale.

Open tool Active

Study Time Calculator

Estimate weekly, daily, and monthly study time from course load and study ratio.

Open tool

Health

Health tools

Active

BMI Calculator

Estimate body mass index from height and weight and view the general BMI category.

Open tool Active

Age Calculator

Calculate age in years and months plus total days and weeks between dates.

Open tool Active

Date Calculator

Add days, weeks, or months to a start date and view the resulting calendar date.

Open tool