Free calculators and everyday utilities

This group is broader than the others by design. It holds the tools that do not belong to text, images, code or SEO but come up constantly anyway: two financial calculators aimed at India, a date calculator, a password generator and a QR code generator.

What they share is that the answer needs to be exactly right, and that the inputs are often personal. A loan amount, a date of birth, a wifi password — none of these should be travelling to a server to be processed.

The five tools

The EMI and loan calculator uses the standard reducing balance formula every Indian lender uses, and gives you the full amortisation schedule rather than just the monthly figure. The schedule is the part that matters — it shows how much of each early payment is interest, which is why a prepayment in year three is worth so much more than the same amount in year fifteen.

The GST calculator adds or removes GST at any rate, with the CGST and SGST split written out. Removing GST is the calculation people get wrong most often: you divide the inclusive total by 1.18, you do not subtract 18 percent.

The age and date difference calculator walks the real calendar to give an exact age in years, months and days, which is what eligibility cut-offs and application forms actually ask for.

The password generator uses crypto.getRandomValues, the browser's cryptographically secure random source, rather than Math.random — a distinction that a surprising number of online generators get wrong.

The QR code generator makes codes for links, text, wifi networks and contact cards, using a QR library hosted on this site rather than loaded from a third party.

Why local matters for these in particular

The password generator is the clearest case. A password generated on someone else's server has, at minimum, existed on that server. Whether it was logged is a question you cannot answer. Generating locally removes the question entirely, and you can verify it by disconnecting from the internet — the generator keeps working.

The same reasoning applies to the wifi mode of the QR generator, where the network password is encoded into the pattern, and to the age calculator, where a date of birth is personal information under India's Digital Personal Data Protection Act and under GDPR.

For the financial calculators the concern is smaller but not zero. Your loan amount and income bracket are inferable from what you type, and there is no reason for that to leave the page.

A note on the financial tools

The EMI and GST calculators do the arithmetic correctly, and the arithmetic is standardised — your EMI figure should match your lender's to the rupee. What they cannot do is account for your circumstances. Processing fees, bundled insurance, floating rate changes, which GST slab applies to your product, whether you must register at all: these are questions for a qualified professional.

Nothing on these pages is financial, tax or legal advice. The full position is set out in the disclaimer.

Frequently asked questions