# UtilsDaily > Free online calculators, converters, and developer tools. No account required, no ads, all tools run in-browser. Covers personal finance (India & US), health metrics, text utilities, developer tools, unit converters, color tools, date/time tools, and more. UtilsDaily (https://utilsdaily.com) is a free utility tools platform with 150+ browser-based tools across 13 categories. All tools work offline after load, respect user privacy, and are accessible on any device. ## Financial Calculators (India) - [SIP Calculator](https://utilsdaily.com/india/finance/sip-calculator): Calculate future returns for monthly investments. - [EMI Calculator](https://utilsdaily.com/india/finance/emi-calculator): Calculate monthly EMI for any type of loan. - [Income Tax Calculator](https://utilsdaily.com/india/finance/income-tax-calculator): Compare Old vs New regime for your salary. - [PPF Calculator](https://utilsdaily.com/india/finance/ppf-calculator): Public Provident Fund maturity with tax benefits. - [Home Loan Calculator](https://utilsdaily.com/india/finance/home-loan-calculator): Housing loan EMI with prepayment analysis. - [NPS Calculator](https://utilsdaily.com/india/finance/nps-calculator): National Pension System retirement benefits. - [FD Calculator](https://utilsdaily.com/india/finance/fd-calculator): Estimate interest and maturity of Fixed Deposits. - [RD Calculator](https://utilsdaily.com/india/finance/rd-calculator): Calculate maturity value of Recurring Deposits. - [GST Calculator](https://utilsdaily.com/india/finance/gst-calculator): Calculate inclusive and exclusive GST amounts. - [HRA Calculator](https://utilsdaily.com/india/finance/hra-calculator): Calculate HRA tax exemption benefits. - [Lumpsum Calculator](https://utilsdaily.com/india/finance/lumpsum-calculator): Check returns on one-time bulk investment. - [SWP Calculator](https://utilsdaily.com/india/finance/swp-calculator): Plan systematic withdrawals for regular income. - [Personal Loan Calculator](https://utilsdaily.com/india/finance/personal-loan-calculator): Unsecured loan EMI with processing fees. - [Gratuity Calculator](https://utilsdaily.com/india/finance/gratuity-calculator): Calculate gratuity payout on resignation/retirement. - [Home Loan Prepayment Calculator](https://utilsdaily.com/india/finance/home-loan-prepayment-calculator): Calculate interest saved and tenure reduced with lump-sum prepayment. - [Step Up EMI Calculator](https://utilsdaily.com/india/finance/step-up-emi-calculator): Calculate increasing EMI schedule for step-up home loans and compare vs flat EMI. - [Retirement Calculator](https://utilsdaily.com/india/finance/retirement-calculator): Plan your retirement corpus and monthly needs. - [ELSS Calculator](https://utilsdaily.com/india/finance/elss-calculator): Plan ELSS investments with 80C tax savings. - [Best ELSS Funds 2026](https://utilsdaily.com/india/finance/best-elss-funds): Top performing tax-saving mutual funds. - [APY Calculator](https://utilsdaily.com/india/finance/apy-calculator): Atal Pension Yojana contribution calculator. - [Buy vs Rent Calculator](https://utilsdaily.com/india/finance/buy-vs-rent-calculator): Financial comparison of buying a home vs renting. - [CAGR Calculator](https://utilsdaily.com/india/finance/cagr-calculator): Calculate Compound Annual Growth Rate. - [Capital Gains (Stocks)](https://utilsdaily.com/india/finance/capital-gains-calculator-stocks): LTCG and STCG tax on equity shares. - [Capital Gains (MF)](https://utilsdaily.com/india/finance/capital-gains-calculator-mutual-funds): Tax on mutual fund redemptions. - [Car Loan Calculator](https://utilsdaily.com/india/finance/car-loan-calculator): Vehicle loan EMI with amortization schedule. - [SBI Car Loan Calculator](https://utilsdaily.com/india/finance/sbi-car-loan-calculator): Check SBI car loan interest and EMI. - [HDFC Car Loan Calculator](https://utilsdaily.com/india/finance/hdfc-car-loan-calculator): Check HDFC car loan interest and EMI. - [Compound Interest Calculator](https://utilsdaily.com/india/finance/compound-interest-calculator): See the power of compounding on your money. - [Credit Card EMI Calculator](https://utilsdaily.com/india/finance/credit-card-emi-calculator): True cost of converting credit card bill to EMI. - [Credit Card vs Personal Loan](https://utilsdaily.com/india/finance/credit-card-emi-vs-personal-loan-calculator): Compare borrowing costs. - [EPF Calculator](https://utilsdaily.com/india/finance/epf-calculator): Employee Provident Fund maturity calculation. - [EPF vs VPF vs NPS](https://utilsdaily.com/india/finance/epf-vs-vpf-vs-nps-calculator): Compare retirement options. - [FD vs Debt Funds](https://utilsdaily.com/india/finance/fd-vs-debt-funds-calculator): Compare risk, returns, and tax benefits. - [Flat vs Reducing EMI](https://utilsdaily.com/india/finance/flat-vs-reducing-emi-calculator): Compare flat rate vs reducing balance interest. - [Inflation Calculator](https://utilsdaily.com/india/finance/inflation-calculator): Calculate future value and purchasing power. - [NPS vs ELSS vs PPF](https://utilsdaily.com/india/finance/nps-vs-elss-vs-ppf-calculator): Compare tax saving options 80C. - [NSC Calculator](https://utilsdaily.com/india/finance/nsc-calculator): National Savings Certificate maturity calculator. - [Percentage Calculator](https://utilsdaily.com/india/finance/percentage-calculator): Quickly calculate percentages and changes. - [Post Office MIS Calculator](https://utilsdaily.com/india/finance/post-office-mis-calculator): Monthly income from Post Office schemes. - [Prepay Loan vs Invest](https://utilsdaily.com/india/finance/prepay-loan-vs-invest-calculator): Should you prepay loan or invest options? - [Salary Calculator](https://utilsdaily.com/india/finance/salary-calculator): Calculate take-home pay and deductions. - [SCSS Calculator](https://utilsdaily.com/india/finance/scss-calculator): Senior Citizen Savings Scheme quarterly income. - [Simple Interest Calculator](https://utilsdaily.com/india/finance/simple-interest-calculator): Basic interest calculation using SI formula. - [SIP vs Lumpsum](https://utilsdaily.com/india/finance/sip-vs-lumpsum-calculator): Compare monthly investments vs one-time. - [SIP vs RD vs PPF](https://utilsdaily.com/india/finance/sip-vs-rd-vs-ppf-calculator): Compare risk, returns, and tax benefits. - [SSY Calculator](https://utilsdaily.com/india/finance/ssy-calculator): Sukanya Samriddhi Yojana savings for girl child. - [Step-up SIP Calculator](https://utilsdaily.com/india/finance/step-up-sip-calculator): Calculate returns with annually increasing SIP. - [Stock Average Calculator](https://utilsdaily.com/india/finance/stock-average-calculator): Calculate average price when buying dips. - [Stock Brokerage Calculator](https://utilsdaily.com/india/finance/stock-brokerage-calculator): Calculate charges for Equity, Intraday, and F&O. - [TDS Calculator](https://utilsdaily.com/india/finance/tds-calculator): Calculate TDS on salary, rent, and interest. - [TDS on Salary Calculator](https://utilsdaily.com/india/finance/tds-on-salary-calculator): Calculate monthly TDS deducted from salary under new and old tax regime FY 2025-26. - [Term vs Endowment](https://utilsdaily.com/india/finance/term-vs-endowment-calculator): Insurance strategy comparison. - [VPF Calculator](https://utilsdaily.com/india/finance/vpf-calculator): Plan Voluntary PF contributions. - [XIRR Calculator](https://utilsdaily.com/india/finance/xirr-calculator): True annualized returns for irregular cash flows. ## Financial Calculators (US) - [401(k) Calculator](https://utilsdaily.com/us/finance/401k-calculator): Plan retirement savings with employer match. - [Mortgage Calculator](https://utilsdaily.com/us/finance/mortgage-calculator): Calculate monthly payments with PMI and taxes. - [Paycheck Calculator](https://utilsdaily.com/us/finance/paycheck-calculator): Calculate take-home pay after federal and state taxes. - [Roth IRA Calculator](https://utilsdaily.com/us/finance/roth-ira-calculator): Compare Roth vs Traditional IRA after-tax retirement income. - [Social Security Calculator](https://utilsdaily.com/us/finance/social-security-calculator): Estimate benefits by claiming age with break-even analysis. - [Self-Employment Tax Calculator](https://utilsdaily.com/us/finance/self-employment-tax-calculator): Calculate SE tax, deductions, and quarterly payments. - [Student Loan Calculator](https://utilsdaily.com/us/finance/student-loan-calculator): Compare repayment plans and calculate payoff date. - [Compound Interest Calculator](https://utilsdaily.com/us/finance/compound-interest-calculator): See the power of compounding on your savings. - [Debt Payoff Calculator](https://utilsdaily.com/us/finance/debt-payoff-calculator): Compare avalanche vs snowball debt payoff strategies. - [Amortization Calculator](https://utilsdaily.com/us/finance/amortization-calculator): Full amortization schedule with month-by-month breakdown. - [Budget Calculator](https://utilsdaily.com/us/finance/budget-calculator): Monthly budget planner using the 50/30/20 rule. - [Savings Calculator](https://utilsdaily.com/us/finance/savings-calculator): Calculate time to reach your savings goal. - [Net Worth Calculator](https://utilsdaily.com/us/finance/net-worth-calculator): Calculate total assets minus liabilities. - [Inflation Calculator (US)](https://utilsdaily.com/us/finance/inflation-calculator): Calculate US CPI purchasing power 1913–2025. ## Health & Fitness - [BMI Calculator](https://utilsdaily.com/health/bmi-calculator): Calculate Body Mass Index and health category. - [Calorie Calculator](https://utilsdaily.com/health/calorie-calculator): Calculate daily calorie needs for weight loss. - [TDEE Calculator](https://utilsdaily.com/health/tdee-calculator): Total daily energy expenditure and macros. - [BMR Calculator](https://utilsdaily.com/health/bmr-calculator): Calculate Basal Metabolic Rate using Mifflin-St Jeor. - [Body Fat Calculator](https://utilsdaily.com/health/body-fat-calculator): Estimate body fat % using the US Navy method. - [Ideal Weight Calculator](https://utilsdaily.com/health/ideal-weight-calculator): Find ideal weight range from 4 clinical formulas. - [Pregnancy Calculator](https://utilsdaily.com/health/pregnancy-calculator): Calculate due date, gestational age, and trimester. - [Macro Calculator](https://utilsdaily.com/health/macro-calculator): Calculate daily protein, carbs, and fat targets by goal. - [Sleep Calculator](https://utilsdaily.com/health/sleep-calculator): Find optimal bedtime and wake-up times based on sleep cycles. - [Water Intake Calculator](https://utilsdaily.com/health/water-intake-calculator): Calculate daily water intake based on weight and activity. ## Everyday Calculators - [Tip Calculator](https://utilsdaily.com/calculators/tip-calculator): Calculate tips and split bills among friends. - [Discount Calculator](https://utilsdaily.com/calculators/discount-calculator): Calculate sale prices and savings instantly. - [Scientific Calculator](https://utilsdaily.com/calculators/scientific-calculator): Full scientific calculator with trig, logs. - [Grade Calculator](https://utilsdaily.com/calculators/grade-calculator): Calculate weighted grades, GPA, and final exam. - [Fuel Cost Calculator](https://utilsdaily.com/calculators/fuel-cost-calculator): Calculate trip fuel cost and compare vehicles. - [Statistics Calculator](https://utilsdaily.com/calculators/statistics-calculator): Mean, median, mode, standard deviation. - [Percentage Calculator](https://utilsdaily.com/calculators/percentage-calculator): Calculate percentages, percentage change, and increase/decrease. - [Fraction Calculator](https://utilsdaily.com/calculators/fraction-calculator): Add, subtract, multiply, and divide fractions with step-by-step solutions. - [Time Calculator](https://utilsdaily.com/calculators/time-calculator): Add or subtract hours, minutes, and seconds. Calculate time differences. - [Geometry Calculator](https://utilsdaily.com/calculators/geometry-calculator): Calculate area, perimeter, and volume for circles, rectangles, triangles, and more. ## Developer Tools - [JSON Formatter](https://utilsdaily.com/developers/json-formatter): Format, validate, and minify JSON data. - [Password Generator](https://utilsdaily.com/developers/password-generator): Generate strong, secure passwords. - [SQL Formatter](https://utilsdaily.com/developers/sql-formatter): Beautify and format SQL queries. - [UUID Generator](https://utilsdaily.com/developers/uuid-generator): Generate random UUIDs (v4). - [Hash Generator](https://utilsdaily.com/developers/hash-generator): Generate MD5, SHA-1, SHA-256 hashes. - [Unix Timestamp Converter](https://utilsdaily.com/developers/unix-timestamp-converter): Convert Unix timestamps to human dates. - [Cron Expression Generator](https://utilsdaily.com/developers/cron-expression-generator): Build cron expressions visually and preview next run times. - [Ruby to JSON Converter](https://utilsdaily.com/developers/ruby-to-json-converter): Convert Ruby hashes to JSON. - [JWT Decoder](https://utilsdaily.com/developers/jwt-decoder): Decode and debug JWT tokens. - [CSS Minifier](https://utilsdaily.com/developers/css-minifier): Minify CSS code for better performance. - [JavaScript Minifier](https://utilsdaily.com/developers/js-minifier): Minify JavaScript code to reduce file size. - [Image to Base64](https://utilsdaily.com/developers/image-to-base64): Convert images to Base64 strings. - [XML Formatter](https://utilsdaily.com/developers/xml-formatter): Format, indent, and validate XML documents online. - [HTML Formatter](https://utilsdaily.com/developers/html-formatter): Beautify and format HTML code with proper indentation. - [YAML Formatter](https://utilsdaily.com/developers/yaml-formatter): Format, validate, and convert YAML to JSON online. - [CSS Formatter](https://utilsdaily.com/developers/css-formatter): Beautify and format CSS code for readability. - [CSS Box Shadow Generator](https://utilsdaily.com/developers/css-box-shadow-generator): Visual CSS box-shadow builder with live preview and copy. - [Aspect Ratio Calculator](https://utilsdaily.com/developers/aspect-ratio-calculator): Calculate width, height, or ratio for any aspect ratio. - [CSS Border Radius Generator](https://utilsdaily.com/developers/css-border-radius-generator): Visual rounded corners CSS builder with live preview. ## Text Tools - [Case Converter](https://utilsdaily.com/text/case-converter): Convert text to UPPERCASE, lowercase, Title Case, etc. - [Find and Replace](https://utilsdaily.com/text/find-and-replace): Find and replace text occurrences instantly. - [Lorem Ipsum Generator](https://utilsdaily.com/text/lorem-ipsum): Generate placeholder text for designs. - [Markdown Editor](https://utilsdaily.com/text/markdown-editor): Write and preview Markdown in real-time. - [Regex Tester](https://utilsdaily.com/text/regex-tester): Test regular expressions against text. - [Remove Duplicates](https://utilsdaily.com/text/remove-duplicates): Remove duplicate lines from your text. - [Strikethrough Text](https://utilsdaily.com/text/strikethrough-text): Generate crossed-out text for social media. - [Symbol Picker](https://utilsdaily.com/text/symbol-picker): Copy and paste symbols and emojis. - [Text Diff](https://utilsdaily.com/text/text-diff): Compare two texts and see the differences. - [Text Formatter](https://utilsdaily.com/text/text-formatter): Format, beautify, and clean up your text. - [Text Reverser](https://utilsdaily.com/text/text-reverser): Reverse text, words, or letters. - [Word Counter](https://utilsdaily.com/text/word-counter): Count words, characters, and sentences. - [Character Counter](https://utilsdaily.com/text/character-counter): Count characters, words, sentences, and reading time. - [Prefix/Suffix Adder](https://utilsdaily.com/text/prefix-suffix-adder): Add prefix or suffix to each line of text in bulk. ## Unit Converters - [Length Converter](https://utilsdaily.com/converters/length-converter): Meters, km, miles, feet, inches, yards. - [Weight Converter](https://utilsdaily.com/converters/weight-converter): Kg, pounds, ounces, grams, stones. - [Temperature Converter](https://utilsdaily.com/converters/temperature-converter): Celsius, Fahrenheit, Kelvin. - [Area Converter](https://utilsdaily.com/converters/area-converter): Sq meters, sq feet, acres, hectares. - [Speed Converter](https://utilsdaily.com/converters/speed-converter): MPH, KPH, Knots, Mach. - [Volume Converter](https://utilsdaily.com/converters/volume-converter): Convert liters, gallons, cups, pints, cubic meters. - [Data Storage Converter](https://utilsdaily.com/converters/data-storage-converter): Bytes, KB, MB, GB, TB. - [Number Base Converter](https://utilsdaily.com/converters/number-base-converter): Convert between binary, octal, decimal, and hex. - [PX to REM Converter](https://utilsdaily.com/converters/px-to-rem): Convert Pixels to REM units. - [PX to EM Converter](https://utilsdaily.com/converters/px-to-em): Convert Pixels to EM units. - [Roman Numeral Converter](https://utilsdaily.com/converters/roman-numeral-converter): Convert decimal numbers to Roman numerals (1–3999) and back with step-by-step breakdown. ## Encoders & Decoders - [Base64 Encoder/Decoder](https://utilsdaily.com/encoders/base64-encoder): Encode and decode Base64 data. - [URL Encoder/Decoder](https://utilsdaily.com/encoders/url-encoder): Encode and decode URLs. - [HTML Encoder/Decoder](https://utilsdaily.com/encoders/html-encoder): Encode/decode HTML entities instantly. ## Color Tools - [Color Picker](https://utilsdaily.com/color/color-picker): Pick colors and convert between HEX, RGB, HSL. - [Color Converter](https://utilsdaily.com/color/color-converter): Convert colors between HEX, RGB, HSL, CMYK. - [CSS Gradient Generator](https://utilsdaily.com/color/gradient-generator): Create linear and radial CSS gradients visually. - [Color Palette Generator](https://utilsdaily.com/color/color-palette-generator): Generate harmonious color palettes from any base color. ## Date & Time Tools - [Age Calculator](https://utilsdaily.com/datetime/age-calculator): Calculate exact age in years, months, and days. - [Date Calculator](https://utilsdaily.com/datetime/date-calculator): Find days between dates or add/subtract time. - [Days Until Calculator](https://utilsdaily.com/datetime/days-until-calculator): Count down days until Christmas, New Year, or any date. - [Day of Week Calculator](https://utilsdaily.com/datetime/day-of-week-calculator): Find what day of the week any date falls on. - [Week Number Calculator](https://utilsdaily.com/datetime/week-number-calculator): Find the ISO week number for any date in 2026. - [Leap Year Calculator](https://utilsdaily.com/datetime/leap-year-calculator): Check if any year is a leap year and find the next one. - [Business Days Calculator](https://utilsdaily.com/datetime/business-days-calculator): Count working days between dates or add business days. - [Pomodoro Timer](https://utilsdaily.com/datetime/pomodoro-timer): Stay focused with 25-minute work sessions. - [Countdown Timer](https://utilsdaily.com/datetime/countdown-timer): Set any duration and count down with alarm. - [Stopwatch](https://utilsdaily.com/datetime/stopwatch): Count up with lap times, accurate to centisecond. - [Time Zone Converter](https://utilsdaily.com/datetime/timezone-converter): Convert any time between 20 major world time zones. - [World Clock](https://utilsdaily.com/datetime/world-clock): Current local time in 15 major cities worldwide. ## Random & Generators - [Random Number Generator](https://utilsdaily.com/random/random-number-generator): Generate random numbers within a range. - [Coin Flip](https://utilsdaily.com/random/coin-flip): Flip a coin (Heads or Tails). - [Dice Roller](https://utilsdaily.com/random/dice-roller): Roll virtual dice (d6, d20, etc.). - [Random Name Generator](https://utilsdaily.com/random/random-name-generator): Generate random first and last names by gender and origin. - [List Randomizer](https://utilsdaily.com/random/list-randomizer): Shuffle and randomize any list of items instantly. - [Random Color Generator](https://utilsdaily.com/random/random-color-generator): Generate random colors with HEX, RGB, and HSL values. - [QR Code Generator](https://utilsdaily.com/generators/qr-code-generator): Create QR codes for URLs, WiFi, text. ## Interview Prep - [Ruby & Rails Interview Prep](https://utilsdaily.com/interview/ruby-rails-interview-prep): 16 essential Ruby/Rails topics with code examples for backend interviews. - [Ruby Multithreading Guide](https://utilsdaily.com/interview/ruby-multithreading-guide): 14 deep-dive topics on Ruby concurrency: threads, GIL, Mutex, Fibers, Ractor, deadlocks, and real-world patterns. - [Redis Interview Prep](https://utilsdaily.com/interview/redis-interview-prep): 16 essential Redis topics: data types, persistence, pub/sub, clustering, caching patterns, and distributed locking. - [React Interview Prep](https://utilsdaily.com/interview/react-interview-prep): 12 React topics from fundamentals to lead-level concepts with examples. ## Optional - [Full tool index with extended descriptions](https://utilsdaily.com/llms-full.txt) - [Sitemap](https://utilsdaily.com/sitemap.xml)