Stories, guides & updates
Product launches, financial explainers, developer tutorials, and behind-the-scenes engineering — from the team building Tools.Town.
Introducing the SIP Calculator — Plan Your Wealth, One Month at a Time
Introducing the SIP Calculator — Plan Your Wealth, One Month at a Time
We just launched a free SIP Calculator that shows you exactly how your monthly investments grow over time. Here's what it does, why we built it, and how to use it.
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Free EMI Calculator — Monthly Payment, Total Interest & Amortisation Table
Free EMI Calculator — Monthly Payment, Total Interest & Amortisation Table
Tools.Town's EMI Calculator shows your monthly loan payment, total interest payable, and a full month-by-month amortisation schedule. Free, instant, works for all loan types.
Free GST Calculator — Calculate GST Instantly, No Signup
Free GST Calculator — Calculate GST Instantly, No Signup
Tools.Town's GST Calculator lets you calculate GST-inclusive and exclusive amounts, see CGST/SGST/IGST breakdowns, and verify your bills in seconds. Free, client-side, no data sent anywhere.
Free Password Generator — Strong, Random, Instant
Free Password Generator — Strong, Random, Instant
Tools.Town's Password Generator creates cryptographically random passwords in your browser. Set length, choose character sets, see entropy in bits. No data leaves your device.
How to Calculate Your HRA Exemption — Step-by-Step Guide (FY 2025-26)
How to Calculate Your HRA Exemption — Step-by-Step Guide (FY 2025-26)
House Rent Allowance exemption trips up most salaried employees at tax time. Here's a clear walkthrough of how it's calculated, with real examples, edge cases, and a free calculator.
Free Compound Interest Calculator — See How Your Money Grows
Free Compound Interest Calculator — See How Your Money Grows
Calculate compound interest for any principal, rate, compounding frequency, and tenure. See the final amount, total interest earned, and a year-by-year growth breakdown.
Free HRA Calculator — Calculate Your HRA Exemption for FY 2025-26
Free HRA Calculator — Calculate Your HRA Exemption for FY 2025-26
Calculate your HRA tax exemption under Section 10(13A). Enter basic salary, HRA received, and rent paid — the calculator finds the minimum across all three methods and shows your taxable HRA.
Free Unit Converter — Length, Weight, Temperature, Area, Volume & More
Free Unit Converter — Length, Weight, Temperature, Area, Volume & More
Convert between units across 8 families: length, weight, temperature, area, volume, speed, data size, and time. 50+ units supported. Instant, client-side.
Fixed vs Floating Interest Rates — Which Should You Choose for Your Home Loan?
Fixed vs Floating Interest Rates — Which Should You Choose for Your Home Loan?
The interest rate type you choose can cost or save you lakhs over a 20-year home loan. Here's an honest comparison of fixed and floating rates so you can decide.
Integrating the Tools.Town EMI API in a React App — A Complete Walkthrough
Integrating the Tools.Town EMI API in a React App — A Complete Walkthrough
A step-by-step guide to adding loan EMI calculation to your React application using the Tools.Town REST API. Covers setup, authentication, and rendering results.
Why We Chose Astro for Tools.Town — and What We Learned After 150+ Pages
Why We Chose Astro for Tools.Town — and What We Learned After 150+ Pages
We rebuilt Tools.Town on Astro 5 after outgrowing a Next.js setup. Here's what drove the decision, what surprised us, and what we'd do differently.
SIP vs Lump Sum — Which Investment Strategy Wins Over 10 Years?
SIP vs Lump Sum — Which Investment Strategy Wins Over 10 Years?
Two investors, same amount of money, different strategies. We ran the numbers across three market scenarios — here's what the data actually says.
Free Base64 Encoder & Decoder — Text to Base64 Instantly
Free Base64 Encoder & Decoder — Text to Base64 Instantly
Encode any text to Base64 or Base64URL, or decode Base64 back to plain text. Handles Unicode via TextEncoder. Free, instant, client-side.
Free Lorem Ipsum Generator — Placeholder Text by Word, Sentence, or Paragraph
Free Lorem Ipsum Generator — Placeholder Text by Word, Sentence, or Paragraph
Generate standard Lorem Ipsum or randomised placeholder text in any length — by word count, sentence count, or paragraph count. Instant, free, no signup.
Free URL Encoder & Decoder — Encode Special Characters for URLs
Free URL Encoder & Decoder — Encode Special Characters for URLs
Encode text or full URLs with percent-encoding, or decode encoded URL strings back to readable text. Handles Unicode, emoji, and all reserved characters.
Free Case Converter — 9 Text Case Formats, Instant
Free Case Converter — 9 Text Case Formats, Instant
Convert text to UPPER CASE, lower case, Title Case, Sentence case, camelCase, PascalCase, snake_case, kebab-case, or dot.case — instantly, no signup.
Free Word Counter — Count Words, Characters, Sentences & Reading Time
Free Word Counter — Count Words, Characters, Sentences & Reading Time
Paste or type any text and instantly see the word count, character count (with and without spaces), sentence count, paragraph count, and estimated reading time.
Free Age Calculator — Your Exact Age in Years, Months & Days
Free Age Calculator — Your Exact Age in Years, Months & Days
Enter your date of birth and see your exact age — years, months, and days. Also shows the next birthday countdown and total days lived.
Free Temperature Converter — Celsius, Fahrenheit, Kelvin & Rankine
Free Temperature Converter — Celsius, Fahrenheit, Kelvin & Rankine
Convert temperatures between Celsius, Fahrenheit, Kelvin, and Rankine simultaneously. All four values update live as you type.
Free BMI Calculator — Find Your Healthy Weight Range
Free BMI Calculator — Find Your Healthy Weight Range
Calculate your Body Mass Index using metric (kg/cm) or imperial (lb/in) inputs. Instantly see your BMI, category (Underweight, Normal, Overweight, Obese), and healthy weight range.
Free Discount Calculator — Find the Final Price in Seconds
Free Discount Calculator — Find the Final Price in Seconds
Enter a price and a discount percentage and instantly see the final price, savings amount, and effective discount. Supports stacked discounts.
Free Percentage Calculator — Three Modes, Instant Results
Free Percentage Calculator — Three Modes, Instant Results
Tools.Town's Percentage Calculator handles three common maths problems: X% of Y, X is what percent of Y, and the percentage change from X to Y. Free, instant, no signup.
Free Tip Calculator — Split the Bill, Any Way You Like
Free Tip Calculator — Split the Bill, Any Way You Like
Calculate your restaurant tip and split the total among any number of people. Choose your tip percentage, enter the bill amount, and get per-person totals instantly.
Free Hash Generator — MD5, SHA-1, SHA-256, SHA-384, SHA-512
Free Hash Generator — MD5, SHA-1, SHA-256, SHA-384, SHA-512
Generate cryptographic hash digests for any text — MD5, SHA-1, SHA-256, SHA-384, and SHA-512. Runs fully in-browser using the Web Crypto API. Free, instant, private.