Free Online Tools
for Work & Life
Professional-grade tools that work entirely in your browser. No account, no cost, no data collection.
Finance Tools
Calculators for loans, investments, business math, and salary.
Loan Payment Calculator
Calculate monthly loan payments, total interest, and full amortization schedule for any loan.
Debt Payoff Calculator
Compare snowball vs avalanche strategies to become debt-free faster and save on interest.
Compound Interest Calculator
See how your savings grow with compound interest and regular contributions over time.
Profit Margin Calculator
Calculate gross profit, profit margin percentage, and markup for any product or service.
Break-Even Calculator
Find your break-even point in units and revenue. Essential analysis for any small business.
Car Loan Calculator
Calculate car loan payments including down payment, trade-in value, and sales tax.
ROI Calculator
Calculate return on investment and annualized ROI (CAGR) for any investment or business decision.
Salary to Hourly Calculator
Convert annual salary to hourly, daily, weekly, and monthly pay — and back. Instant results.
Freelancer Tools
Rate calculators and invoice generators for independent professionals.
Business Tools
Name generators and business planning utilities.
Developer Tools
JSON formatter, regex tester, encoders, and color utilities.
JSON Formatter & Validator
Format, validate, and minify JSON instantly. Private — runs entirely in your browser.
Regex Tester
Test regular expressions in real-time with live match highlighting and capture group display.
Base64 Encoder / Decoder
Encode text to Base64 or decode Base64 to text. UTF-8 safe, private, instant.
Color Converter
Convert colors between HEX, RGB, HSL, and CMYK with a live preview swatch. Free tool.
Password Generator
Generate strong, cryptographically secure passwords. Customizable length and character sets.
Utility Tools
QR codes, word counter, aspect ratio, and everyday helpers.
QR Code Generator
Create free QR codes for URLs, WiFi, email, and more. Download as PNG or SVG. No signup.
Word & Character Counter
Count words, characters, sentences, and reading time. Works for essays, tweets, and content.
Aspect Ratio Calculator
Calculate proportional dimensions for any aspect ratio. Perfect for images, video, and design.
Student Tools
Grade calculators and academic utilities.
Why Utulio?
We built Utulio because the best tools shouldn't require an account, credit card, or monthly subscription.
Completely Free
Every tool is 100% free to use, forever. No hidden fees, no premium tier, no upsells.
No Signup Required
Open any tool and start using it immediately. We never ask for your email address.
Private by Design
All computation happens in your browser. Your data never leaves your device.