🗂️ Complete Toolkit
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Every free tool on SmartUtilz — searchable, filterable, always free.
255+ utilities available
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SIP Calculator
Monthly investment & wealth growth
Finance
FD Calculator
Fixed deposit maturity & interest
Finance
EMI Calculator
Loan EMI, interest & total payable
Finance
Compound Interest
Compound vs simple interest comparison
Finance
ROI Calculator
Return on investment & CAGR
Finance
Income Tax (India)
FY 2024-25 new & old regime
Finance
Discount Calculator
Price after discount & savings
Finance
Stock P&L
Stock profit/loss with brokerage
Finance
Budget Planner
50/30/20 rule budget tracker
Finance
Retirement Calculator
Retirement corpus & planning
Finance
Loan Comparison
Compare 2 loans side by side
Finance
Currency Converter
INR, USD, EUR, AED, GBP & more
Finance
PPF Calculator
Public Provident Fund maturity value
Finance
EPF Calculator
Employee Provident Fund corpus estimator
Finance
NPS Calculator
National Pension Scheme SIP projector
Finance
80C Tax Saver
Section 80C deduction & tax savings
Finance
Capital Gains Tax
STCG & LTCG calculator India FY25
Finance
Gratuity Calculator
Gratuity per Payment of Gratuity Act
Finance
TDS Calculator
Tax Deducted at Source estimator
Finance
Dividend Yield
Dividend yield & annual income estimator
Finance
Crypto Tax India
30% flat tax + 1% TDS on crypto gains
Finance
Gold Price Calculator
Gold cost with making charges & GST
Finance
Bond YTM Calculator
Yield to Maturity approximation formula
Finance
Emergency Fund
How much emergency reserve you need
Finance
SIP vs Lump Sum
Compare SIP and one-time investment returns
Finance
Mortgage Amortization
Full year & month-by-month schedule + CSV export
Finance
Loan Prepayment & Refinance
Interest saved from extra payments or refinancing
Finance
Indian Equity Tracker
NSE/BSE portfolio — P&L, CAGR, 20% goal
Finance
SIP Calculator
Mutual fund returns with step-up option
Finance
FIRE Calculator
Financial Independence, Retire Early planner
Finance
Debt Payoff Calculator
Snowball vs Avalanche — real month-by-month simulation
Finance
Emergency Fund Calculator
Your real runway — normal vs survival-mode spending
Finance
Inflation Calculator
Future cost of an expense, or real value of a fixed sum
Finance
Rental Property ROI Calculator
Cap rate, cash-on-cash return, yield & break-even occupancy
Real Estate
Break-Even Calculator
Break-even point plus profit at any sales volume
Business
Freelance Rate Calculator
What to charge, factoring taxes, costs & billable hours
Business
Margin vs Markup Calculator
Convert between cost, price, margin % and markup %
Business
Business Valuation Calculator
Low-base-high value estimate by EBITDA or revenue multiple
Business
SaaS LTV:CAC Calculator
Lifetime value, LTV:CAC ratio & CAC payback period
Business
Portfolio Rebalancer
Exact amount to add or reduce per asset class
Finance
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JSON Formatter
Beautify, minify & validate JSON
Dev
Base64 Encode/Decode
Encode & decode Base64 strings
Dev
Regex Tester
Test regex with live highlighting
Dev
Color Picker
HEX, RGB, HSL, CMYK converter
Dev
UUID Generator
UUID v4, NanoID & custom IDs
Dev
Hash Generator
SHA-1, SHA-256, SHA-512 hashes
Dev
HTML Encoder
Encode/decode HTML entities
Dev
URL Encoder
Encode/decode URLs & query params
Dev
JWT Inspector
Decode header, payload & expiry status
Dev
Cron Generator
Cron syntax ↔ plain English, both ways
Dev
Text Diff
Line-by-line text comparison
Dev
CSS Minifier
Minify & beautify CSS code
Dev
Markdown Preview
Live markdown → HTML preview
Dev
GPA Calculator
Semester GPA from subjects & grades
Student
CGPA Calculator
Cumulative GPA across semesters
Student
Attendance Tracker
Check attendance & classes to attend
Student
Grade Calculator
Weighted average from components
Student
Percentage Calculator
3 modes — X% of Y, what % is X, change
Student
Marks Calculator
Convert marks to percentage & grade
Student
Pomodoro Timer
Focus timer with work & break cycles
Student
Study Planner
Plan study hours before exams
Student
BMI Calculator
Body mass index, WHO & Asian ranges
Health
Calorie Calculator
TDEE & daily calorie needs
Health
Water Intake
Daily water requirement
Health
Ideal Weight
4 formula ideal weight estimate
Health
Heart Rate Zones
5 training zones from age & HR
Health
Body Fat %
US Navy tape measure method
Health
Sleep Calculator
Best bedtimes using 90-min cycles
Health
Macro Calculator
Protein, carbs & fat for your goal
Health
Waist-Hip Ratio
WHR cardiovascular risk assessment
Health
VO2 Max Estimator
Cardio fitness from heart rate ratio
Health
Protein Intake
Daily protein requirement by goal
Health
Keto Macro Calculator
Ketogenic diet macro breakdown
Health
Intermittent Fasting
Eating & fasting window calculator
Health
Steps to Calories
Daily step count calorie burn estimator
Health
Sleep Debt Tracker
Cumulative sleep deficit calculator
Health
Lean Body Mass
Muscle mass estimation (Boer formula)
Health
Vitamin D Synthesis
Sun exposure needed for Vitamin D
Health
Child Growth Chart
WHO growth percentile (0-5 years)
Health
Stress Level Test
PSS-5 perceived stress scale score
Health
Posture Score
Desk posture & ergonomics checklist
Health
Fertility Window
Ovulation & fertile days calculator
Health
Alcohol Units
Weekly alcohol unit tracker & risk
Health
Medicine Dosage
Weight-based dosage guide (adult/child)
Health
Word Counter
Words, chars, read time & frequency
Text
Case Converter
9 case styles including camelCase
Text
Lorem Ipsum
Dummy text for mockups & layouts
Text
Duplicate Remover
Remove duplicate lines from lists
Text
Text Reverser
Reverse chars, words, lines or flip
Text
Find & Replace
Plain text & regex find/replace
Text
Text Sorter
Sort lines A-Z, numeric, length
Text
Whitespace Cleaner
Remove extra spaces & blank lines
Text
Line Tools
Number, prefix, suffix & join lines
Text
Text Compare
Side-by-side text comparison
Text
Typing Speed Test
Measure your WPM & accuracy
Game
Snake Game
Classic snake — eat, grow, survive!
Game
Memory Card Game
Match emoji card pairs
Game
Number Guess
Guess the number with hot/cold hints
Game
Math Quiz
10 quick math questions
Game
Reaction Time Test
Test your reflexes in milliseconds
Game
Utility Tools
12 tools
Pomodoro Timer
25-minute focus sessions
Utility
Random ID Generator
UUID, NanoID & short IDs
Utility
Currency Exchange
Live approximate exchange rates
Utility
Dummy Text Generator
Filler text for design mockups
Utility
Bedtime Calculator
Best wake-up & sleep times
Utility
Color Converter
HEX ↔ RGB ↔ HSL with contrast
Utility
Quick % Calculator
Everyday percentage calculations
Utility
Sale Price Calculator
How much you save in a sale
Utility
Hydration Tracker
Daily water intake target
Utility
Checksum Generator
SHA-256 hash for verification
Utility
Reading Time
Estimate reading time for any text
Utility
Unit Converter
255+ units across 12 categories
Utility
Currency Converter
Live rates for 160+ currencies
Utility
Percentage Calculator
8 types of % calculations
Utility
Date & Time Calculator
Age, countdown, days between dates
Utility
Life Insurance Calculator
Coverage needed for your family
Insurance
Health Insurance Premium
Estimate premium by age & cover
Insurance
Car Insurance Premium
IDV, NCB & premium estimate
Insurance
Travel Insurance
Trip cost & premium estimator
Insurance
Term Insurance Calculator
Term cover premium by age
Insurance
Coverage Need Calculator
How much cover you actually need
Insurance
Annual Insurance Cost
Total yearly insurance spend
Insurance
Family Insurance Planner
Cover for every family member
Insurance
Insurance Plan Comparison
Compare two plans side by side
Insurance
Personal Risk Assessment
Your insurance risk score
Insurance
Invoice Generator
Create & print professional invoices
Business
GST Invoice Generator
CGST/SGST and IGST invoices
Business
Profit Margin Calculator
Gross, net margin & markup
Business
Break-Even Calculator
Units & contribution margin
Business
Payroll Calculator
PF, ESI, gratuity & net pay
Business
Commission Calculator
Flat & tiered commission rates
Business
Revenue Calculator
MRR/ARR with growth projection
Business
Expense Tracker
Category breakdown & budget %
Business
Business Name Generator
Brand name ideas by keyword
Business
Quote Generator
Professional quote for clients
Business
Freelance Rate Calculator
Hourly rate from income target
Business
Time & Billing Tracker
Log sessions & calculate billing
Business
Project Cost Calculator
Team & overhead cost estimate
Business
Business Valuation
EBITDA & revenue multiple
Business
Estimate Generator
Phase-based project estimate
Business
Pricing Calculator
Cost-plus pricing for products
Business
Subscription Cost Calc
Monthly vs annual & per-seat
Business
Sales Tax Calculator
Add or extract tax from price
Business
Business Loan EMI
Loan repayment for businesses
Business
Property Value Calculator
Area x rate x location grade
Real Estate
Rent vs Buy Calculator
Year-by-year net worth matrix
Real Estate
Rental Yield Calculator
Gross & net yield on property
Real Estate
Real Estate ROI
Capital gain + rental return
Real Estate
Property Tax Calculator
Annual municipal property tax
Real Estate
Stamp Duty Calculator
State-wise stamp duty & registration
Real Estate
Home Affordability
Max property based on income
Real Estate
Down Payment Calculator
Savings plan for down payment
Real Estate
Rental Income Calculator
Net income after all expenses
Real Estate
Property Investment
10-year full investment analysis
Real Estate
Age Calculator
Exact age in years, months & days
Utility
QR Code Generator
Generate QR codes for any text/URL
Utility
Password Generator
Strong secure random passwords
Utility
Unit Converter
Length, weight, temp & volume
Utility
Timezone Converter
Convert times across world timezones
Utility
Random Generator
Random numbers, dice, coin flip
Utility
Color Picker
HEX, RGB & HSL color converter
Utility
Countdown Timer
Days until your next event
Utility
Tip Calculator
Restaurant tip & bill split
Utility
Speed Calculator
Speed, distance & time
Utility
File Size Converter
Bytes, KB, MB, GB & TB
Utility
BMI Quick Calc
Body mass index metric & imperial
Utility
Engagement Rate
Likes, comments vs followers
Social
YouTube Revenue
Estimated earnings from views
Social
TikTok Engagement
TikTok engagement & benchmarks
Social
CPM / CPC Calculator
Ad cost per impression & click
Social
Influencer Rate
Post & story rate by followers
Social
Ad Budget Planner
Budget to reach & impressions
Social
Hashtag Generator
Niche hashtags per platform
Social
Email Marketing ROI
Campaign revenue & ROI
Social
Follower Growth Rate
Growth rate & projection
Social
Social Media ROI
Revenue vs spend ROI
Social
Carbon Footprint
Your annual CO₂ footprint
Eco
Solar Panel ROI
25-year solar investment return
Eco
EV vs Petrol Cost
Electric vs petrol car comparison
Eco
Energy Bill Calculator
Monthly home energy cost
Eco
Water Footprint
Daily water consumption tracker
Eco
Recycling Impact
CO₂ saved by recycling
Eco
Tree Planting Calculator
Trees needed to offset your CO₂
Eco
Green Travel Calculator
CO₂ per travel mode comparison
Eco
Statistics Calculator
Mean, median, mode, variance & SD
Math
Quadratic Solver
Real & complex roots with vertex
Math
Triangle Calculator
Sides, angles & area (SSS, RHS)
Math
Probability Calculator
Single, combined & conditional
Math
nPr / nCr Calculator
Permutations & combinations
Math
Prime Number Checker
Prime test + Sieve of Eratosthenes
Math
Fraction Calculator
Add, subtract, multiply & divide
Math
Matrix Calculator
2×2 determinant, inverse & ops
Math
Number Sequences
Arithmetic, geometric, Fibonacci +
Math
Log / Exp Calculator
Logarithm & exponential functions
Math
NDA Generator
Non-disclosure agreement template
Legal
Privacy Policy Generator
GDPR-compliant privacy policy
Legal
Terms of Service
Website terms & conditions
Legal
IP Disclaimer
Intellectual property disclaimer
Legal
Non-Compete Agreement
Employee non-compete clause
Legal
Invoice T&C Generator
Payment terms & conditions
Legal
Freelance Contract
Client contract for freelancers
Legal
GDPR Checklist
15-item GDPR compliance score
Legal
Legal Fee Estimator
Solicitor fees by matter & region
Legal
Trademark Cost
Filing fees by jurisdiction & class
Legal
Recipe Converter
Scale recipes for any serving size
Food
Calorie Counter
Track food calories & macros
Food
Alcohol Units
Units, calories & weekly guideline
Food
BMR Meal Planner
Calorie target & meal breakdown
Food
Cooking Temp Converter
°C, °F & Gas Mark conversion
Food
Baking Ratio Calculator
Precise ingredient ratios
Food
Nutrition Calculator
Detailed nutrition per food item
Food
Coffee Ratio Calculator
Perfect brew ratios by method
Food
Food Hydration Tracker
Water from food vs drinking
Food
Portion Size Calculator
Portions for any group size
Food
Trip Budget Planner
Full trip cost by category
Travel
Packing List Generator
Tailored packing list by trip type
Travel
Flight Cost per Mile
Cost, CO₂ & value per km
Travel
Hotel Budget Calculator
Total stay cost with taxes & fees
Travel
Itinerary Days Planner
Useful days & daily schedule
Travel
Currency + Tip
Convert currency & calculate tip
Travel
Luggage Weight Check
Airline limits & excess bag fees
Travel
Road Trip Calculator
Fuel, tolls, food & hotel costs
Travel
Visa Fee Estimator
Fees, type & processing time
Travel
Data Roaming Cost
Roaming vs local SIM vs eSIM
Travel
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Disclaimer. All 255+ tools on SmartUtilz are provided for informational and educational purposes only. Individual tools may include additional disclaimers relevant to their specific use case — always independently verify results before relying on them for professional, financial, or safety-critical decisions. Read full disclaimer →