PrivateTools
Word & Character CounterText · Count words, characters, sentences, reading time, speaking time, keyword density and writing progress. QR Code GeneratorGenerators · Create QR codes for URLs, text, Wi-Fi, contacts and events with local export. Secure Password GeneratorGenerators · Generate strong Web Crypto passwords, passphrases and batches without sending anything away. Color & Contrast StudioDesign · Convert HEX, RGB, HSL, HSV and CMYK, test WCAG contrast and generate useful palettes. JSON Formatter & ValidatorDeveloper · Format, validate, minify and inspect JSON with precise browser-side parsing. Base64 Encoder / DecoderDeveloper · Encode UTF-8 text and files, decode Base64 and switch URL-safe mode locally. Hash GeneratorDeveloper · Generate MD5 compatibility checksums plus SHA-1, SHA-256, SHA-384 and SHA-512 digests locally. URL Encoder / DecoderDeveloper · Encode or decode URL components and inspect query parameters instantly. JWT DecoderDeveloper · Inspect JWT headers and payloads locally without verifying or uploading the token. Regex TesterDeveloper · Test JavaScript regular expressions, flags and matches directly in the browser. Diff CheckerDeveloper · Compare two text or code versions line by line entirely in the browser. Hashtag WorkspaceCreator · Build, save and organize hashtag sets with transparent local relevance scoring. YouTube Creator UtilityCreator · Extract public thumbnails, check title/description length and build timestamps. Mortgage CalculatorFinance · Estimate payments, total interest, payoff time and amortization with scenario comparison. Loan CalculatorFinance · Compare loan payments, APR assumptions, total cost and accelerated payments. Compound Interest CalculatorFinance · Model recurring contributions and compound growth across years. Currency ConverterFinance · Convert currencies with timestamped daily reference rates and a 30-day history chart. Net Salary EstimatorFinance · Estimate take-home pay with configurable tax, social contribution and payroll deduction rates. PDF WorkspaceFiles · Merge, split, reorder, rotate, optimize, protect, watermark, visually sign, render and build PDFs locally. Image StudioFiles · Batch crop, rotate, resize, convert, compress and strip metadata locally with native and WASM codecs. Citation GeneratorAcademic · Create APA, MLA, Chicago, ABNT, ISO, DIN and NF-style citations with optional DOI/ISBN metadata lookup. GPA & Grade CalculatorAcademic · Calculate weighted GPA and compare common US, German and Japanese grading scales. Academic Word CounterAcademic · Count assignment words, estimate pages and optionally exclude a final references section. Bibliography BuilderAcademic · Build, sort and export a bibliography locally from multiple citation records.
Tip: press / anywhere to searchEsc · Close
Finance

Loan Calculator

Compare loan payments, APR assumptions, total cost and accelerated payments.

Runs locally in your browser
Local processing activeNo account required
Estimated monthly payment$500.95
Scheduled payment$500.95
Total interest$5,056.92
Total repaid$30,056.92
Payoff5y 0m

Educational estimate only. Lender fees, compounding conventions, insurance and taxes can change the actual cost.
Clear by default

Built to finish the task, not trap your attention.

The interactive logic is isolated from the static page shell. Useful content arrives first, then only the tool interface that needs JavaScript becomes interactive.

  • No sign-up wall for core tools.
  • Responsive controls sized for touch and keyboard input.
  • Errors and results stay close to the action that produced them.
Accessible interaction

Focus states, semantic labels, reduced-motion support and responsive layouts are part of the base interface rather than optional polish.

Keep moving

Related tools

Finance Mortgage Calculator Open tool Finance Compound Interest Calculator Open tool Finance Currency Converter Open tool