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Last updated: Oct 6, 2025

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  • Finance45
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Offline indicates a tool works without a network connection (cached by the Service Worker).

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Mortgage Tools Hub

Compare ARM vs Fixed, PMI drop, points break-even, affordability, and more — all in one place.

Showing 130 of 130 tools.
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  • .properties / .env ⇄ JSON Converter

    Convert between .properties (.env) and JSON locally in your browser.

    utilitytext
  • Offline

    Age Calculator

    Exact age in years, months and days.

    utilityhealth

  • AI Image Generator

    Generate images from text with Google Imagen.

    filesutility

  • AI Text Summarizer

    Summarize long text into concise paragraphs or bullet points using AI.

    textutility

  • AI Video Generator

    Generate short videos from text (preview).

    filesutility

  • Anniversary Calculator

    Calculate relationship milestones and important dates.

    romanceutility

  • APR ↔ APY Converter

    Convert APR to APY and vice versa with custom compounding frequency.

    financeconversion

  • ARM vs Fixed Mortgage Calculator

    Compare an ARM vs fixed-rate mortgage with caps, limits, and break-even over your horizon.

    finance

  • Audio Tools

    TTS, STT, voice changer and voice isolator.

    utilityfiles

  • Baby Development Tracker

    Week-by-week development insights and milestones.

    health

  • Balance Transfer Calculator

    Estimate savings from moving a balance to an intro APR offer, including fees and break-even.

    finance

  • Base Converter

    Convert numbers between binary, octal, decimal and hexadecimal.

    conversionutility
  • Offline

    Base64 Encoder / Decoder

    Convert text to Base64 and back. Works offline.

    conversionutility

  • Biweekly vs Monthly Mortgage

    See how biweekly payments can cut interest and time on your mortgage.

    finance
  • Offline

    BMI Calculator

    Calculate your Body Mass Index (BMI) and understand your weight category.

    health

  • Body Fat Calculator (US Navy)

    Estimate body fat percentage using the US Navy method.

    health

  • Budget Planner

    Plan monthly expenses and savings with categories.

    finance

  • Calorie Burn Calculator

    Estimate calories burned by activity and duration.

    health
  • Offline

    Calorie Calculator

    Estimate daily calorie needs (BMR & TDEE).

    health

  • Closing Costs & Cash to Close

    Estimate loan costs, prepaids/escrows, credits, and your cash to close.

    finance
  • Offline

    Color Picker & Converter

    Pick colors and convert between HEX, RGB, HSL formats with palette generation.

    utilitytext

  • Compound Interest Calculator

    Calculate compound interest with detailed breakdown and charts.

    finance

  • Couple Name Generator

    Create cute ship names from two names.

    romanceutility

  • Credit Utilization Calculator

    Calculate per-card and overall credit utilization.

    finance

  • Cron Expression Translator

    Explain standard 5-field cron expressions in plain English.

    utilitytext

  • Crush Calculator

    Find out if your feelings are mutual (for fun).

    romanceutility

  • Cryptocurrency Portfolio Tracker

    Track your crypto holdings and live values.

    finance

  • CSS Minifier

    Minify CSS by removing comments and unnecessary whitespace.

    utilitytext

  • CSV to JSON Converter

    Convert CSV data into JSON arrays locally.

    utilitytext

  • Currency Converter

    Convert between global currencies instantly.

    financeconversion

  • Daily Water Intake Calculator

    Estimate your daily water needs based on weight and activity.

    health

  • Date Difference Calculator

    Calculate days between dates with human-friendly breakdown.

    utility

  • Debt Consolidation Calculator

    Compare your current loans vs a consolidation option to see monthly and interest impact.

    finance

  • Debt Payoff Calculator

    Compare avalanche vs snowball strategies to get debt-free.

    finance

  • Debt-to-Income (DTI) Calculator

    Calculate your DTI ratio and see how lenders may view it.

    finance
  • Offline

    Discount Calculator

    Find savings and final price after discount.

    financeutility

  • Emergency Fund Calculator

    Find your emergency fund target and how long it takes to reach it.

    finance

  • EMI Calculator

    Calculate Equated Monthly Installments for loans with amortization schedule.

    finance

  • Essay Word Counter

    Advanced text analysis: readability, vocab, citations.

    utilitytext

  • Event Countdown

    Create customizable countdown timers you can share.

    utility

  • Future Prediction (Fun)

    Lighthearted fortune-style prompts for fun.

    utility

  • GPA Calculator

    Calculate Grade Point Average for academic performance tracking.

    utility

  • GST Calculator

    Calculate GST from exclusive or inclusive price.

    financeutility
  • Offline

    Hash Generator & Verifier

    Generate and verify MD5, SHA-1, SHA-256, SHA-512 hashes for text and files.

    utilitytext

  • Heart Rate Zones Calculator

    Calculate Zone 1–5 using Max HR or Karvonen method.

    health

  • HELOC vs Cash-Out Refi

    Compare HELOC vs cash-out refinance for the cash you need—payments, net costs, break-even.

    finance

  • Historical Age Calculator

    See your age in different eras and calendars.

    utility

  • Home Affordability Calculator

    Estimate how much house you can afford by region.

    finance

  • HTML Encoder / Decoder

    Encode or decode HTML entities safely.

    utilitytext

  • HTML Minifier

    Minify HTML by removing comments and collapsing whitespace.

    utilitytext

  • Ideal Weight Calculator

    Estimate ideal weight ranges with multiple formulas.

    health

  • Image Editor

    Rotate and export images locally.

    files

  • Image to Base64 (Data URL)

    Convert images to Base64 data URLs locally.

    filesutility

  • Image Tools

    Optimize & transform images quickly.

    files

  • Inflation Calculator

    Adjust prices across years with an assumed annual inflation rate.

    finance

  • INI ⇄ JSON Converter

    Convert between INI and JSON locally in your browser.

    utilitytext

  • Insurance Calculator

    Estimate life, health, and auto insurance needs.

    finance

  • Investment Calculator

    Compound growth with monthly contributions and summary.

    finance

  • Invoice Generator

    Create invoices and download as PDF (local).

    financeutility

  • IQ Test Calculator

    Fun, non-diagnostic IQ-style quiz with score.

    utility

  • JSON Formatter & Validator

    Format, validate, and analyze JSON with stats, search, and path finder.

    utilitytext

  • JSON to CSV Converter

    Convert JSON arrays of objects into CSV with a header row.

    utilitytext

  • JWT Decoder

    Decode JSON Web Tokens locally to view header and payload.

    utilitytext

  • Kiss Compatibility Test

    A playful romantic test with a fun score and tips.

    romanceutility

  • Language Learning Progress Tracker

    Track daily streaks, vocabulary, and fluency goals.

    utility

  • Life Expectancy Calculator

    Estimate life expectancy based on lifestyle inputs.

    health
  • Offline

    Loan / EMI Calculator

    Monthly payment, interest & amortization insights.

    finance

  • Lorem Ipsum Generator

    Generate placeholder text by paragraphs or sentences.

    utilitytext

  • Love Calculator

    Fun, privacy-first compatibility calculator (names or birthdays).

    romanceutility

  • Love Letter Generator

    AI-style romantic letter templates you can personalize.

    romancetext

  • LPMI vs BPMI Mortgage Calculator

    Compare lender-paid vs borrower-paid PMI: payments, PMI duration, interest, and break-even.

    finance

  • Macro Calculator

    Plan daily protein, fat, and carbs from your calorie target.

    health

  • Markdown to HTML Converter

    Convert Markdown to HTML with live preview and syntax guide.

    textconversion

  • Marriage Prediction (Fun)

    Lighthearted, astrology-inspired timing and tips.

    romanceutility

  • Memory Test Games

    Play simple games to assess memory and attention.

    utility
  • Offline

    Mortgage Calculator

    Estimate mortgage payments & total interest.

    finance

  • Mortgage Points Break-Even

    See if buying points to reduce your mortgage rate pays off, and when.

    finance

  • Mortgage Recast vs Extra Payments

    Compare a lump-sum recast vs adding monthly extra payments—payments, interest, and break-even.

    finance

  • Mortgage Recast vs Refinance

    Compare a mortgage recast with lump-sum against a full refinance—payments, net costs, and break-even.

    finance

  • Mortgage Tools Hub

    Explore mortgage calculators: payments, refinance, PMI, points, recast, and more.

    finance

  • Name Meaning Generator

    Discover etymology, origins and fun personality traits.

    utility

  • Ovulation Calculator

    Predict fertile window estimates from cycle data.

    health
  • Offline

    Password Generator

    Create strong, random passwords with custom length and symbols.

    utilitytext

  • Paycheck Breakdown

    Estimate gross-to-net pay with taxes and deductions.

    finance

  • PDF Tools

    Work with PDFs: optimize, merge, split & export images.

    files

  • Percentage Calculator

    Calculate percentages, percentage change, and percentage of a number.

    utilityfinance

  • Period Tracker

    Predict menstrual cycles and track symptoms privately.

    health

  • Pet Age Calculator

    Convert dog and cat years into human equivalents.

    utility

  • PMI Drop Date Calculator

    See when PMI can be removed (80%/78% LTV) and how much you’ll pay until then.

    finance

  • Pregnancy Due Date Calculator

    Estimate your due date and week-by-week progress.

    health

  • QR Code Generator

    Generate QR codes for text, URLs, WiFi, and vCard contact information.

    utilitytext
  • Offline

    Random Number Generator

    Generate random numbers in a range; pick multiple unique values.

    utility

  • Reading Time Estimator

    Estimate reading time for articles and books.

    utilitytext

  • Refinance Break-Even Calculator

    Estimate monthly savings, break-even months, and net savings after closing costs.

    finance

  • Regex Tester

    Test JavaScript regular expressions against sample text.

    utilitytext

  • Relationship Compatibility Test

    Zodiac + fun personality match with a friendly explanation.

    romanceutility

  • Relationship Timeline

    Track important dates and milestones together.

    romanceutility

  • Rent vs Buy Calculator

    Compare renting versus buying with appreciation, rent growth, and investment returns.

    finance

  • Research Citation Generator

    Generate APA, MLA, and Chicago style citations.

    utilitytext

  • Retirement Calculator

    Project your retirement corpus with contributions and expected returns.

    finance

  • Retirement Goal Planner

    Find the monthly contribution needed to reach your target corpus.

    finance

  • Romantic Quote Generator

    Daily romantic quotes and sweet messages.

    romancetext

  • Salary Calculator

    Net income after taxes by country with breakdown.

    finance

  • Savings Goal Tracker

    Track progress toward savings goals with contributions and interest.

    finance

  • Savings Rate Calculator

    Calculate your savings rate and time to reach targets.

    finance

  • School Days Calculator

    Days until graduation or vacation by calendar.

    utility

  • Scientific Calculator

    Advanced scientific calculator with trigonometric, logarithmic, and statistical functions.

    utilityconversion

  • SIP Planner

    Plan future value of monthly investments (SIP) and share results.

    finance

  • Sleep Quality Calculator

    Analyze sleep patterns and get gentle improvement tips.

    health

  • Stock Market Calculator

    Calculate P/E, dividend yield, and position metrics.

    finance

  • Study Time Calculator

    Plan optimal study schedules and sessions.

    utility

  • Tax Calculator

    Estimate taxes for multiple countries and regimes.

    finance
  • Offline

    Text Case Converter

    Convert text to upper, lower, title and sentence case.

    textutility

  • Text Diff (Compare)

    Compare two texts by lines, words, or characters and copy/download results.

    utilitytext

  • Time Until Retirement

    Countdown to your retirement age with savings goals.

    finance

  • Time Zone Converter

    Convert time between popular time zones accurately.

    utility

  • Timestamp Converter

    Convert between Unix timestamps and human-readable date-times.

    utility
  • Offline

    Tip Calculator

    Split bills and calculate tips per person.

    utilityfinance

  • TOML ⇄ JSON Converter

    Convert between TOML and JSON locally in your browser.

    utilitytext

  • Typing Speed Test

    Measure WPM and track improvement trends.

    utility
  • Offline

    Unit Converter

    Convert between different measurement units with regional preferences.

    conversion
  • Offline

    URL Encoder / Decoder

    Encode or decode URLs safely for sharing and APIs.

    conversionutility

  • URL Parser

    Parse URLs into protocol, host, path, query, and hash.

    utilitytext
  • Offline

    UUID Generator

    Generate RFC4122 UUID v4 identifiers with one click.

    utility

  • Valentine's Day Countdown

    Romantic countdown with personalized message.

    romance

  • Vocabulary Builder

    Daily word challenges with spaced repetition.

    utilitytext
  • Offline

    Word Counter

    Advanced text analysis with readability score, word frequency, and detailed stats.

    text

  • Work Days Calculator

    Calculate business days between dates with holidays.

    utility

  • XML ⇄ JSON Converter

    Convert between XML and JSON locally in your browser.

    utilitytext

  • YAML ⇄ JSON Converter

    Convert between YAML and JSON locally in your browser.

    utilitytext
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