The toolkit India runs on, free forever.
40+ precision tools, calculators & guides for money, paperwork and everyday decisions — take-home salary, GST, loan EMI, PDF & image conversions, cricket and more. Built for India, private by design.
Popular this week
Home Loan
5 toolsBanks don’t lend on your salary alone — they cap your EMI at a share of income after existing debts. Find the loan amount you’ll actually be offered.
Home Loan Eligibility
How much loan can I actually get?
Buying isn’t always building wealth, and renting isn’t always throwing money away. Compare the real long-run cost of both before you decide.
Rent vs Buy
Should you rent or buy a home?
A 0.3% lower rate can save lakhs — or cost you more once processing fees and tenure are in. Compare total cost, not just the headline EMI.
Home Loan Comparison
Compare rates & true total cost
Prepay, foreclose, or cut the EMI? Each saves a very different amount. See the interest you’d save and the smartest way to use a lump sum.
Home Loan Prepayment
Prepay, foreclose or reduce EMI?
A step-by-step walk-through that ties it all together — from how much to borrow, to picking a lender, to paying it off years early.
Smart Loan Planning
Step-by-step home loan roadmap
Tax Saving
4 toolsNew regime or old? The answer flips depending on your HRA, 80C and home-loan interest. See which one actually saves you more for FY 2026-27.
New vs Old Tax Regime
Which regime saves more in 2026-27
Your HRA exemption is the lowest of three formulas — not the full allowance. See exactly how much is tax-free and what proof you need.
HRA Exemption Guide
How much HRA is actually tax-free
Section 24, 80C and 80EEA stack up to serious savings on a home loan — but only if you know the limits and the catches. Here’s the full picture.
Home Loan Tax Benefits
Section 24, 80C & 80EEA explained
The extra ₹50,000 NPS deduction under 80CCD(1B) sits on top of your 80C limit — one of the few genuinely additional tax breaks left. Here’s how to use it.
NPS Tax Benefit (80CCD)
The extra ₹50,000 deduction explained
Browse by category
Finance & Money
5 toolsTwo colleagues on an identical ₹24 lakh package can end the year more than ₹1 lakh apart in spendable income — without either getting a raise.
Salary & Take-Home
CTC to in-hand · new vs old regime
Calculate your EMI, then find out what it actually costs you — whether prepaying beats investing, and whether buying beats renting.
EMI Calculator
Home, car, personal & education loans
Shows both the nominal maturity amount and the inflation-adjusted real value in today’s money — the number most calculators hide.
SIP Returns
Corpus with inflation-adjusted value
Add GST to a price or remove GST from a total — with an instant CGST, SGST and IGST breakup. Updated for the GST 2.0 slabs.
GST Calculator
CGST/SGST/IGST split + invoice
Find out what your daily habits are actually costing you — in rupees, years, and things you could have owned instead.
Habit Cost
What daily habits cost over 10 years
Fuel & EV
3 toolsIs XP95 worth ₹7 more per litre? Can your 2019 car run E20? Pick your car and get the answer in ten seconds.
Smart Fuel Advisor
Which petrol? XP95 vs E20 savings
Running costs are only part of the answer. This compares purchase price, fuel, maintenance and resale together.
EV vs Petrol
Full TCO & break-even, 35 models
Diesel running costs keep climbing. See the full switch maths — price gap, running cost, resale and break-even year — before you commit.
Diesel to EV
Diesel car → EV switch: worth it?
AI & Tech
5 toolsFind which AI tool genuinely fits your work — and what it actually costs after forex markup and 18% GST.
AI Subscription Calculator
True INR cost after forex & GST
Stop paying for the wrong model. Describe your task and get the AI that handles it best — without burning tokens on overkill.
AI Model Selector
Describe a task → the right AI model
Convert between Binary, Decimal, Octal and Hexadecimal instantly — built for CS students and programmers.
Number System Converter
Binary, Decimal, Octal & Hex
Generate free QR codes for URLs, text, email, phone, WiFi and WhatsApp. Customise colours, then download as PNG.
QR Code Generator
URL, WiFi, WhatsApp, contact QR
Customise length and character types, check password strength, or generate bulk passwords for multiple accounts.
Password Generator
Strong passwords + strength checker
Everyday Tools
4 toolsCount words, characters, sentences, paragraphs and reading time instantly — all stats update live as you type.
Word Counter
Words, chars, reading time & density
Find what % of a number is, calculate % change, reverse percentage, and more — 6 calculators in one tool.
Percentage Calculator
%, change, GST, discount & reverse
Calculate your exact age in years, months and days. Find days until your next birthday, your zodiac sign, and more.
Age Calculator
Exact age + birthday countdown
Find synonyms, antonyms, related words and rhymes for any English word — for students, writers and learners.
Synonyms & Antonyms
Synonyms, antonyms, related & rhymes
PDF & Image
4 toolsCombine multiple PDFs into one document. See a preview of each file, drag to reorder, then download — all in your browser.
Merge PDF
Combine PDFs — reorder, 100% private
Extract text from any PDF instantly in your browser — no upload to a server, no signup, 100% private.
PDF to Word
Extract text — file stays on device
Convert JPG, PNG and WebP photos to PDF instantly — colour scans, documents, Aadhaar, marksheets. Free and private.
Image to PDF
JPG, PNG & scans to full-colour PDF
Resize, convert format, and compress any image to an exact KB size — perfect for exam, job and passport form uploads.
Image Resizer & Converter
JPG/PNG/WebP/HEIC to an exact KB size
Fitness & Sports
6 toolsGet your BMI category, healthy weight range, and personalised health insights — in metric or imperial units.
BMI Calculator
BMI with healthy range & visual scale
Batting SR, bowling SR, economy rate — plus phase-wise breakdown, boundary decomposer and innings projector.
Strike Rate Calculator
Batting & bowling SR benchmarks
Find out if you qualify for playoffs, how much you need to win by, and how you compare to other teams.
NRR Calculator
Net run rate + playoff scenarios
How points are scored across every major Indian fantasy app — Dream11, My11Circle, MPL, MyTeam11 and Vision11.
Fantasy Points Guide
Dream11, My11Circle & MPL rules
Enter the match situation and get the runs-per-ball equation, an over-by-over roadmap, and how hard the chase really is.
Required Run Rate
Live RRR tracker, over-by-over
Pick a format and a ground — get the pitch profile, toss tendency and the player types to load up on.
Venue Fantasy Guide
Pitch profile & team tilt
Read before you decide
Same SUV, two very different ownership stories. We run the Harrier diesel against the Harrier EV on price, running cost, resale and the year the EV pulls ahead.
Tata Harrier Diesel vs EV
Which Harrier is right for you?
Does the Maruti Swift really need premium petrol, and can it run E20? The model-specific answer, plus what the right fuel saves you a year.
Maruti Swift Fuel Guide
Right petrol & E20 for the Swift
The Creta turbo is tuned for higher-octane fuel. See whether XP95 is worth it on this engine and what you’d actually gain.
Hyundai Creta Turbo Fuel Guide
XP95 vs regular on the Creta turbo
Skoda recommends 95-octane for the Kushaq TSI. Is it mandatory or optional — and what does the right fuel choice cost or save you?
Skoda Kushaq TSI Fuel Guide
Is 95 octane a must on the Kushaq?
Which fuel suits the Tata Nexon, and is premium petrol ever worth it? A model-specific breakdown with the yearly cost difference.
Tata Nexon Fuel Guide
Best fuel choice for the Nexon
Not a directory. A fast, private toolkit made for the way India actually works.
Runs in your browser
Every tool executes locally — no server round-trips, no waiting, instant results.
Nothing uploaded
PDFs and images never leave your device. Zero server uploads, total privacy.
Designed for India
GST, IPL, Dream11, Indian tax slabs and INR baked into every calculation.
Free, always
No signup, no paywall, no download. New tools added every single week.
Free online tools for India
Toolsly.in helps people across India make quicker everyday decisions about money, paperwork and daily life — from working out your real take-home salary to converting a document to PDF. Every tool is free, needs no signup and runs entirely in your browser.
Finance & money tools
The Salary & Take-Home Calculator converts CTC to exact in-hand pay and compares the new and old tax regimes for FY 2026-27, showing every deduction line — PF, professional tax, HRA, 80C and 80D — so you know exactly what reaches your account. The GST Calculator adds or removes GST, splits CGST/SGST/IGST and generates a downloadable invoice, making it useful for freelancers and small businesses. The EMI Calculator covers home, car, personal and education loans with a full amortisation schedule and a prepayment sensitivity view. The SIP Returns Calculator shows your inflation-adjusted corpus so you know what your money is actually worth at retirement, not just the nominal figure mutual fund ads quote. The Habit Cost Calculator reveals the true 10-year cost of daily spends — Swiggy orders, cigarettes, chai — and the investment value of that money redirected. A dedicated Home Loan set covers the whole journey: an Eligibility & Affordability Calculator for how much you can actually borrow, a Comparison Calculator that ranks offers by true total cost rather than headline rate, a Prepayment Calculator that weighs prepaying against foreclosing or reducing the EMI, a Rent vs Buy Calculator, and a step-by-step Smart Loan Planning guide. Tax guides round it out — a New vs Old Regime comparison for FY 2026-27, an HRA Exemption explainer, a Home Loan Tax Benefit guide covering Sections 24, 80C and 80EEA, and the NPS 80CCD(1B) extra ₹50,000 deduction.
Fuel & EV tools
The Smart Fuel Advisor tells you which petrol your car actually needs — whether XP95 is worth ₹7–9 more per litre now that E20 pump petrol is 95 RON — and calculates your annual savings across 53 models from 11 brands. The EV vs Petrol Calculator compares full ownership cost across 35 Indian models in 6 segments, covering purchase price, running costs, maintenance, resale value and break-even distance, with a plain “should you switch?” verdict rather than a number dump. The Diesel to EV Cost Calculator runs the same head-to-head for diesel owners weighing a change — price gap, running cost, resale value and the break-even year when the EV pulls ahead.
PDF & image tools
Merge several PDFs into one, extract text from a PDF into Word, or turn JPG, PNG and scanned photos into full-colour PDFs — all without uploading a single byte to a server. The Image Resizer & Converter handles JPG, PNG, WebP and iPhone HEIC files and lets you compress to an exact KB target, exactly what government portals and exam form portals enforce for Aadhaar, marksheets and passport-size photos.
Cricket & everyday utilities
Cricket fans get a Strike Rate Calculator with elite benchmarks, an NRR Calculator with IPL playoff scenarios, a live Required Run Rate tracker, a Fantasy Points Guide covering Dream11, My11Circle and MPL, and a Venue Fantasy Guide with pitch profiles. Everyday utilities include a live Word Counter, six-mode Percentage Calculator, Age Calculator, QR Code Generator (8 types), Password Generator, Number System Converter, Synonyms & Antonyms Finder, and an AI Subscription Calculator showing the true rupee cost of ChatGPT, Claude, Gemini and 12 other plans after forex and GST, and an AI Model Selector that turns a plain description of your task into the model most likely to handle it well without wasting tokens.
40+ free tools & guides. More every week.
Finance, fuel & EV, AI, PDF, image, cricket, fitness — everything you need, always free.
About Toolsly.in