Business & Finance7 min
Understanding your loan EMI: interest, tenure and prepayment
How the EMI formula works, why early instalments are mostly interest, and three levers that change what a loan actually costs.
An independent utility bench / 16 tools
The tools you keep
Googling.
Shrink a photo before you email it. Count the words in a draft. Split a GST bill, tidy a JSON file, or turn one product shot into a 3D model. 16 small tools, free, with no account and no upsell at the end.
- No account needed
- Most files never leave your browser
- Built to work on a phone
Last reviewed Built by the ToolMitra studio
Small print, up front
Most of these tools never see your files. The 3D generator does upload your photo, and its page explains what is stored and for how long before you start.
The short liststart here
- 01Image CompressorShrink JPEG, PNG and WebP photos with a live before/after preview.
- 02Word CounterWords, characters, sentences, paragraphs and reading time as you type.
- 03GST CalculatorAdd GST to a price or extract GST from an inclusive amount.
- 04JSON FormatterBeautify, minify and validate JSON with a readable error report.
Picked by handWorks on mobileFree
01 / Most used
Pick up a tool
The six that get reached for first. Every tool opens straight into a working panel, not a sales page.
- 01Image CompressorShrink JPEG, PNG and WebP photos with a live before/after preview.Image & Media
- 02Word CounterWords, characters, sentences, paragraphs and reading time as you type.Text & Writing
- 03QR Code GeneratorCreate branded QR codes for links and text, then download a PNG.Image & Media
- 04GST CalculatorAdd GST to a price or extract GST from an inclusive amount.Business & Finance
- 05EMI CalculatorMonthly EMI, total interest and a principal-versus-interest chart.Business & Finance
- 06JSON FormatterBeautify, minify and validate JSON with a readable error report.Developer & SEO
02 / Browse
6 shelves, 16 tools
No endless sidebar. Pick the shelf that matches the job and get to the input.
- 014 tools
Image & Media
Compress photos, convert them to modern formats, and create scannable QR codes — all processed inside your browser.
Browse shelf - 023 tools
Business & Finance
Work out GST, loan EMIs, invoice totals and percentages with transparent formulas and no hidden assumptions.
Browse shelf - 032 tools
Developer & SEO
Format JSON safely and generate clean metadata for pages, sharing cards and search results.
Browse shelf - 042 tools
Text & Writing
Measure your writing and build better AI prompts for coding, marketing, writing and business tasks.
Browse shelf - 052 tools
Everyday
Quick, accurate answers for dates and everyday percentage maths.
Browse shelf - 063 tools
Astrology
Western zodiac and Vedic birth-chart information with clearly explained methods and honest limitations.
Browse shelf
03 / Real signal
Used this week
Ranked by aggregated successful runs over the last seven days. No invented popularity figures.
04 / Full index
All 16 tools, one filter
Search by name or task. Every tool page documents method, limits, privacy and related tools.
Sort
Showing 16 of 16 tools.
Image Compressor
Shrink JPEG, PNG and WebP photos with a live before/after preview.
Image & Media3 runsWebP Converter
Turn JPEG, PNG and WebP images into lighter WebP files.
Image & Media3 runsWord Counter
Words, characters, sentences, paragraphs and reading time as you type.
Text & Writing4 runsJSON Formatter
Beautify, minify and validate JSON with a readable error report.
Developer & SEOQR Code Generator
Create branded QR codes for links and text, then download a PNG.
Image & Media1 runsGST Calculator
Add GST to a price or extract GST from an inclusive amount.
Business & Finance2 runsEMI Calculator
Monthly EMI, total interest and a principal-versus-interest chart.
Business & Finance1 runsAge Calculator
Exact age in years, months and days — plus your next birthday.
Everyday5 runsPercentage Calculator
Four percentage modes, each with a step-by-step explanation.
EverydayInvoice Generator
Build an invoice, print or save as PDF, and optionally share a link.
Business & Finance2 runsMeta Tag Generator
Title, description, canonical and social tags with a live preview.
Developer & SEO1 runsAI Prompt Generator
Structured prompt templates for coding, marketing, writing and business.
Text & WritingZodiac Sign Finder
Find your Western zodiac sign from a birth date.
Astrology1 runsDaily Horoscope
Dated reflections for all twelve signs, written for self-check-in.
AstrologyBirth Chart Calculator
Vedic Rashi and Lagna alongside your Western Sun sign.
AstrologyImage to 3D Model
Turn one photo into a rotating, downloadable GLB model.
Image & Media1 runs
05 / Method
Built like a workbench, not a funnel
These are design commitments, not marketing claims. You can check each one on any tool page.
- 01
Answers in seconds
Results appear as you type or after one button press. No onboarding tour, no waiting room, no email required.
- 02
Private by default
Most tools never send your data anywhere. There is no upload for images, text, JSON or QR content.
- 03
Explainable numbers
Calculators show the formula they used, what the result excludes, and where rounding happens.
- 04
Built mobile-first
44px touch targets, single-column layouts and no horizontal scrolling. One hand is enough.
Image & media / 4Developer & SEO / 2Text & writing / 2
06 / Skill library
Agent skills for SEO, 3D and motion
Fifteen curated, open-source instruction packs, each with its own landing page, install steps, workflow and live 3D scene.
07 / Blog
Guides you can use before lunch
Worked examples and practical workflows from the studio. Every post is written and reviewed by a person, never generated as filler.
- Business & Finance5 min
GST inclusive vs exclusive pricing, with worked examples
Understand the difference between quoting a price before GST and quoting a final price, and learn the reverse calculation that splits tax out of an inclusive amount.
- Image & Media6 min
How to compress images without visible quality loss
A practical workflow for shrinking photos for the web: resize first, choose the right format, and check the result at the size people actually see.
08 / Questions
Answers, without the fluff
Pricing, privacy, accuracy and advertising, answered plainly.
Search shortcut
Press Ctrl K anywhere to search the directory, or request a tool.
Are the tools really free?
Yes. All 16 tools are free to use without an account or a usage cap. The platform is funded by clearly labelled advertising placements and by website development work for clients who want custom solutions.
Do I need to create an account?
No. Calculators, converters and text tools work straight away. There is no login wall, and basic tools will never require registration.
Are my images and text uploaded to a server?
Image compression, WebP conversion, word counting, JSON formatting and QR generation run entirely in your browser. The birth chart calculator, optional invoice save and image-to-3D generator send data to a server; the 3D tool deletes the source image after processing and explains storage and sharing on its page.
How accurate are the finance calculators?
The GST and EMI tools use standard formulas that are displayed on the page so you can verify them. They are arithmetic aids, not tax filing or lending systems. Rates and rules change, so confirm important figures with a qualified professional.
Is the horoscope content a real prediction?
No. Horoscope entries are original, dated reflections written for entertainment and self-check-in. The birth chart tool shows computed astronomical positions, but astrological interpretation is not scientifically validated.
How does ToolMitra make money?
Reserved advertising placements and paid website development projects. Adverts are labelled and kept outside the main tool interaction area. We do not sell personal data or fabricate popularity figures.
Can I suggest a new tool or report a problem?
Yes. Use the contact page or the feedback buttons at the bottom of any tool page. Suggestions are reviewed in batches and the roadmap is updated publicly on the about page.
09 / Studio
Need a Website or Custom Software?
We help businesses build modern websites, web applications, and business automation solutions.
- Marketing websites and landing pages
- Web applications and internal dashboards
- E-commerce catalogues and checkout flows
- Automation for repetitive business tasks
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Project brief / reply within two business days
Tell us what you are building.
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