25 free tools · no sign-up

Calculators and web tools that show their working

Plan a mortgage, compare debt payoff methods, format JSON or shrink a photo. Each tool runs in your browser, explains the formula behind the answer, and keeps your numbers on your device.

Popular:Mortgage CalculatorCompound Interest CalculatorCredit Card & Debt Payoff CalculatorJSON Formatter & ValidatorWord & Character CounterPassword Generator

Four good places to start. Every tool is free and runs in your browser.

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Loans

Mortgage Calculator

Monthly payment with tax, insurance, PMI, extra payments and a full amortization table.

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Investing

Compound Interest Calculator

Project savings growth with monthly deposits and any compounding frequency.

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Web Dev

JSON Formatter & Validator

Beautify, minify and validate JSON with the error line highlighted.

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Utilities

Image Compressor

Shrink JPG, PNG and WebP files in your browser, one or many at once.

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  • Free to use – no sign-up
  • Runs in your browser – your inputs stay on your device
  • No account required

All tools

25 tools
Loans

Mortgage Calculator

Monthly payment with tax, insurance, PMI, extra payments and a full amortization table.

Loans

Auto Loan Calculator

Car payment with trade-in, down payment, sales tax and total interest.

Investing

ROI Calculator

Simple and annualized return on investment for any holding period.

Web Dev

Meta Tag Generator

Write title, description and social tags with a live Google preview.

Web Dev

SQL Query Formatter

Indent and uppercase SQL so long queries are easy to review.

Text

Case Converter

Switch text between UPPER, lower, Title, camelCase, snake_case and more.

Utilities

Image Compressor

Shrink JPG, PNG and WebP files in your browser, one or many at once.

Utilities

SVG to PNG Converter

Export SVG files as sharp PNGs at any width, height or scale.

Utilities

Password Generator

Random passwords from your browser’s secure generator, with strength meter.

Utilities

QR Code Generator

QR codes for links, text, Wi-Fi and email, as PNG or SVG.

How these tools are built

Four rules apply to every tool on this site, from the mortgage calculator to the QR code generator.

Processing stays on your device

Loan figures, pasted code and uploaded photos are handled by JavaScript in your browser. Nothing you type is sent to a ToolsPulse Hub server.

The formula is on the page

Every calculator states the equation it uses in plain words and walks through one worked example with real numbers.

Checked against known answers

Financial calculators run against reference cases in an automated test suite. A $300,000 loan at 6.5% over 30 years must return $1,896.20 a month, or the build fails.

Local rules where they matter

Pick US, UK, Canadian, euro or Australian currency formats. The mortgage tool handles US PMI, UK stamp duty and Canada’s semi-annual compounding.

Browse by category

Five groups of tools, each with its own short guide to choosing the right one.

Loans & Mortgage

Mortgage, affordability, refinance, auto loan and debt payoff calculators.

5 tools

Investing & Business

Compound growth, retirement, ROI, crypto, ad revenue and freelance pricing.

6 tools

Web Development & SEO

Format JSON and SQL, minify code, build meta tags and encode Base64.

5 tools

Content & Text

Count words, change case, score readability and generate placeholder text.

4 tools

Image, Security & Utilities

Compress and convert images, export SVG to PNG, create passwords and QR codes.

5 tools

About these tools

ToolsPulse Hub is a set of free utilities for money decisions and everyday web work. The financial side covers the questions people ask before they sign something: what a mortgage payment will be, how much house an income supports, whether a refinance pays for itself, and which debt to clear first. The investing tools project savings growth, retirement balances, ROI and crypto trades.

The web and content side is for people who build or write online. You can validate JSON and see the exact line of a syntax error, tidy SQL before a code review, preview how a page title will look in Google, check the reading level of a draft, or create a QR code for a Wi-Fi network.

What the calculators can and cannot tell you

A calculator is only as good as its inputs. Our loan tools use the standard amortization formula that lenders use, so the principal-and-interest figure should match a lender’s quote for the same rate and term. Real offers also include fees, insurance and local taxes that vary by lender and by address. Treat every result as a planning estimate, and confirm the numbers with your lender, broker or tax adviser before you commit.

No accounts, no uploads

None of the tools ask you to sign up. The image tools compress and convert files with your browser’s built-in canvas, so a photo never leaves your computer or phone. You can disconnect from the internet after a page loads and most tools keep working.

Questions or a formula you think is wrong? Contact us and we will check it. You can also read how we build and review each tool.