Free tools for smarter decisions
Online PDF and document utilities, universal financial calculators, and everyday tools. Everything runs in your browser — private, fast, and free.
Process and convert your documents and files
PDF Merge & Split
Merge multiple PDF files into one, or split pages from a PDF. All processed client-side — your files never leave your device.
Rotate PDF
Rotate PDF pages by 90, 180, or 270 degrees. Drag and drop your file, rotate all or specific pages, and download.
Remove PDF Pages
Delete unwanted pages from a PDF. Just select pages to delete, preview, and download the new document.
Watermark PDF
Stamp custom text onto your PDF pages. Customize transparency, size, position, and rotation angle.
Add PDF Page Numbers
Number your PDF pages automatically. Choose placement, style, and font options.
Organize PDF
Visually sort, re-order, rotate, or delete pages in your PDF document via page thumbnails.
General financial calculators for compound interest, debt payoff, and savings projection
Compound Interest & Savings Calculator
Project your savings growth with regular contributions, compounding frequency, and different interest rates.
Debt Snowball vs Avalanche Calculator
Compare the debt snowball and avalanche methods to find the fastest, cheapest way to pay off your debts.
Quick, useful calculators for daily life
Percentage Calculator
Calculate percentages, percentage changes, percentage of a total, and more — instantly.
BMI Calculator
Calculate your Body Mass Index (BMI) using metric or imperial measurements and understand what it means.
Tip Calculator
Calculate tip amounts and split the bill between any number of people.
Tools to work smarter with text and content
Password Generator
Generate strong, secure passwords with custom length and character options. All generated locally — nothing sent to any server.
Word Counter
Count words, characters, sentences, and paragraphs. Estimate reading time for any text.
QR Code Generator
Generate QR codes instantly from any URL or text. Download as PNG for free.
South Africa-specific financial calculators built with local tax tables and rates
Bond / Home Loan Calculator
Calculate monthly repayments, total interest, and amortisation schedule for SA home loans. Includes bond registration costs and transfer duty.
PAYE / UIF / SDL Calculator
Calculate your South African income tax (PAYE), UIF, and SDL based on your gross salary and the current SARS tax tables.
VAT Calculator
Instantly calculate VAT inclusive and exclusive amounts at the South African VAT rate of 15%.
Get notified about SA tax & rate changes
When SARS updates tax tables or SARB changes the repo rate, we'll update our calculators and let you know.