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Calculators, writing, PDF, image and SEO tools with transparent methods. No sign-up.
Home loan repayment estimate
Monthly principal and interest
$2,216.58
On a $360,000 loan
Example figures. Enter your own rate. Not a loan offer.
- free tools
- 105
- categories
- 8
- guides with PDF downloads
- 12
- tools that run entirely in your browser
- 82
Popular tools
All 105 tools- US Mortgage Payment CalculatorEstimate your monthly PITI payment, amortization schedule, payoff date and savings from extra payments.
- US Mortgage Affordability CalculatorEstimate the home price your income supports using front-end and back-end debt-to-income ratios you set.
- Home Loan Repayment Calculator (Australia)Work out monthly, fortnightly or weekly home loan repayments in AUD, with interest-only periods and extra repayments.
- Mortgage Offset CalculatorSee how much interest and time a 100% offset account saves on your Australian home loan, modelled day by day.
- Stamp Duty Calculator (Australia)Estimate transfer (stamp) duty in every Australian state and territory, with first home buyer and foreign purchaser rules.
- Borrowing Capacity Calculator (Australia)An illustrative serviceability scenario: estimate how much you might borrow from your income, expenses and a rate buffer.
- Compound Interest CalculatorGrow a starting amount and regular contributions with daily, monthly, quarterly or annual compounding, with inflation adjustment.
- Percentage CalculatorPercent of a number, what percent one number is of another, percentage change, increase, decrease and reverse percentages.
- Age CalculatorExact age in years, months and days, total days and weeks, and a countdown to the next birthday.
- AI Email WriterDescribe what you need to say and get a clear, ready-to-edit email with subject line options.
- AI Paraphrasing ToolRewrite text in a new style (fluent, formal, simple, concise) while keeping the meaning and facts.
- AI Grammar and Tone AssistantFix grammar and spelling in US, UK, Australian or Canadian English, and optionally shift the tone.
Every category, one place
Browse by what you need to get done.
- 26 toolsFinancial CalculatorsMortgage, loan, savings and everyday maths with transparent formulas.
- 15 toolsAI Writing ToolsDraft emails, captions, outlines and product copy with configurable tone.
- 14 toolsSEO ToolsAudit pages, preview snippets and generate technical SEO files.
- 5 toolsMarketing ToolsCampaign links, ad returns, acquisition cost and customer value.
- 8 toolsPDF ToolsMerge, split, rotate, reorder and watermark PDFs in your browser.
- 7 toolsImage ToolsCompress, resize, crop, convert and strip metadata locally.
- 15 toolsDeveloper ToolsFormat, validate, encode, minify and generate in one place.
- 15 toolsBusiness ToolsPricing, margins, property returns and trade estimates for small businesses.
Start with what you are trying to do
Pick the description that fits you and we will show the tools most people in your position reach for first.
Work out repayments, what you can afford and what extra payments save.
- US Mortgage Payment CalculatorEstimate your monthly PITI payment, amortization schedule, payoff date and savings from extra payments.
- US Mortgage Affordability CalculatorEstimate the home price your income supports using front-end and back-end debt-to-income ratios you set.
- Home Loan Repayment Calculator (Australia)Work out monthly, fortnightly or weekly home loan repayments in AUD, with interest-only periods and extra repayments.
- Mortgage Offset CalculatorSee how much interest and time a 100% offset account saves on your Australian home loan, modelled day by day.
- Stamp Duty Calculator (Australia)Estimate transfer (stamp) duty in every Australian state and territory, with first home buyer and foreign purchaser rules.
- Rent vs Buy CalculatorCompare the long-term net worth of buying a home versus renting and investing the difference.
Price jobs, protect margins and put a number on missed calls and no-shows.
- Profit Margin CalculatorGross, operating and net profit margins from revenue and costs, with a clear breakdown and the formulas.
- Service Pricing CalculatorPrice a service job from labour, materials and allocated overhead using a target margin or markup, with three package tiers compared.
- Break-Even CalculatorUnits and revenue needed to cover fixed costs, with an optional target profit and a revenue vs cost chart.
- Missed Call Revenue CalculatorEstimate the revenue and gross profit you may lose each month and year from unanswered calls, using your own booking rates.
- Appointment No-Show Cost CalculatorSee what missed appointments cost per year and how much reminders or rebooking could recover, using your own no-show rate.
- CRM ROI CalculatorEstimate the return on a CRM from extra deals and admin time saved against the subscription, setup and training costs you enter.
Tag campaigns, measure returns and check pages before they go live.
- UTM Link BuilderBuild GA4-ready UTM campaign links with validation, bulk variations, saved presets and one-click copy.
- ROAS CalculatorReturn on ad spend as a ratio and percentage, plus break-even and target ROAS from your gross margin.
- Customer Acquisition Cost CalculatorBlended CAC from itemised sales and marketing costs, plus the months of gross margin needed to pay it back.
- Website SEO AuditFetch any page and see its status, redirects, title, meta tags, canonical, headings, links, schema and robots.txt rules.
- SERP Preview ToolPreview how your title, URL and meta description may look in desktop and mobile search results, with pixel-based truncation.
- AI Social Media Caption GeneratorWrite several caption options for Instagram, LinkedIn, Facebook, X, TikTok and more.
Draft, rewrite, compress and convert without installing anything.
- AI Paraphrasing ToolRewrite text in a new style (fluent, formal, simple, concise) while keeping the meaning and facts.
- AI YouTube Title GeneratorGet accurate, clickable YouTube title options under 70 characters, plus thumbnail text ideas.
- Merge PDFCombine several PDFs into one file in the order you choose, with optional page ranges for each file.
- Compress PDFReduce PDF size with a lossless structure clean-up or by lowering image quality, with honest before and after sizes.
- Image CompressorCompress JPG, PNG and WebP images with a quality slider and optional downscaling, with before and after sizes.
- Percentage CalculatorPercent of a number, what percent one number is of another, percentage change, increase, decrease and reverse percentages.
Format, validate, encode and generate, with code that never leaves your device.
- JSON FormatterPretty-print or minify JSON with 2 spaces, 4 spaces or tabs, sort keys, and see exact error positions.
- Base64 Encoder and DecoderEncode and decode Base64 with correct UTF-8 handling, URL-safe output, and file to data URI conversion.
- UUID Generator (v4 and v7)Generate random v4 or time-ordered v7 UUIDs in bulk with formatting options, and validate or inspect any UUID.
- Password GeneratorGenerate strong random passwords or word passphrases with unbiased cryptographic randomness and an entropy estimate.
- QR Code GeneratorCreate QR codes for URLs, text, Wi-Fi, email, phone and contact cards, with colours, error correction and PNG or SVG download.
- CSS Gradient GeneratorDesign linear, radial and conic CSS gradients with draggable colour stops, presets and ready-to-copy CSS.
Mortgage calculators built for your market
US and Australian home loans are quoted, repaid and taxed differently, so each country gets its own set of calculators rather than a currency switch.
United States
USD- PITI with property tax, insurance, PMI and HOA
- PMI removal at 78% of original value
- Affordability by debt-to-income ratios
- Refinance break-even and rent vs buy
Australia
AUD- Weekly, fortnightly and monthly repayments
- Offset accounts modelled with daily interest
- State and territory stamp duty from official sources
- Illustrative borrowing capacity with a buffer
Your files never leave your device
PDF and image tools do all the work in your browser. Nothing is uploaded, so confidential documents and personal photos stay with you.
Write faster. Get found.
AI writing tools for drafts you will edit, and SEO checks that report what they actually find on the page.
AI writing
View allDeveloper tools without the ads and uploads
Formatters, encoders and generators that run locally. Passwords use cryptographically secure randomness and are never sent anywhere.
- JSON Formatter
- JSON Validator
- HTML Formatter
- CSS Minifier and Beautifier
- JavaScript Minifier
- Base64 Encoder and Decoder
- URL Encoder and Decoder
- UUID Generator (v4 and v7)
- QR Code Generator
- Password Generator
- Color Palette Generator
- HEX to RGB Converter and Contrast Checker
- CSS Gradient Generator
- Open Graph Preview and Checker
- Email Signature Generator
Free marketing guides
Complete guides you can read online or download as a PDF. No email required.
- Meta Ads and Lead Generation GuideLearn how to plan, launch and improve lead generation campaigns on Facebook and Instagram, calculate what a lead is worth to you, and turn more of those leads into customers with fast follow-up.
- SEO, AEO and GEO GuideAn honest, practical guide to search engine optimisation and the newer practices of optimising for answer engines and AI-generated answers, with checklists, examples and a step-by-step plan.
- AI Marketing and Productivity GuideLearn where AI assistants genuinely save time in marketing and operations, how to write prompts that produce usable drafts, and how to review, protect data and measure results honestly.
- Website Growth and Conversion GuideA practical playbook for small businesses and marketers to attract the right visitors, measure what matters, and improve the share of visitors who become leads and customers.
Stop losing leads between the first call and the booking
Put numbers on missed calls and no-shows, then follow step-by-step guides to automate follow-up with any CRM. Templates included.
Calculators for your industry
Estimators built around how each trade prices work. You enter your own rates and costs; nothing is assumed about your market.
Trades and renovation
Auto detailing
From the learning center
Worked examples that explain the numbers behind the tools.
- SEO and AI searchRobots.txt and AI crawlers: how it works and what to allowHow robots.txt works, its syntax and limits, how to test it, and the documented user agents for AI crawlers such as GPTBot, ClaudeBot and Google-Extended.
- MarketingUTM parameters: a practical guide to tagging campaign linksWhat each UTM parameter means, how to build a consistent naming convention, examples for email, social and ads, common mistakes, and how UTMs show in GA4.
Recently added
Questions, answered
Anything else? Contact us.
Are the tools really free?
Yes. Every tool is free to use without an account. Some tools that cost us money to run, such as the AI writing tools, have a daily usage limit so they can stay free.
Do you upload my files or save what I type?
Calculators, PDF tools, image tools and developer tools run in your browser, so files and inputs stay on your device. AI tools and URL checkers send your submission to our server to produce the result, and we do not store the text or fetched pages.
How accurate are the mortgage calculators?
They use standard amortization formulas that we test against published reference values, and each page explains its method and assumptions. Results depend on the figures you enter and are estimates, not loan offers.
Why are there separate US and Australian calculators?
The markets work differently. US calculators include PMI, property tax and HOA in a monthly PITI payment. Australian calculators support weekly and fortnightly repayments, offset accounts with daily interest, and state stamp duty.
How do you make money?
Through clearly labelled advertising, some disclosed affiliate links (for example to a CRM platform in our business resources) and an optional CRM setup service. None of these are required to use the tools.
Can I suggest a tool or report a bug?
Please do. Use the contact page and tell us what you need, or what you entered and what you expected to see.
Missing a tool you need?
Tell us what you are trying to calculate, convert or check. Useful suggestions shape what we build next.