Disclaimer

The calculations and conversions here use standard, published formulas, and each tool states the formula it uses so you can check it. The underlying logic is covered by automated tests, including tests for the edge cases that commonly go wrong: division by zero, leap years, absolute zero, and the difference between US and imperial measures.

Where a result depends on a convention that differs between countries — how mortgage interest compounds, which BMI thresholds apply, whether a gallon is 3.785 or 4.546 litres — the convention in use is named on the page rather than assumed.

We do not claim the results are correct for every situation, and no tool here is certified, audited or approved by any authority. A formula can be implemented perfectly and still give an answer that is wrong for your circumstances, because it does not know your circumstances.

The loan, mortgage, interest and return calculators produce estimates based on the figures you enter. They do not include fees, taxes, insurance, early repayment charges or the specific terms of any product, and they assume a rate that does not change. A lender's own figure will differ, and their figure is the one that counts.

Nothing on this site is financial advice, a quotation, or an offer of credit. Speak to a qualified adviser before making a decision that matters.

The SIP, lumpsum, NPS, fixed deposit, recurring deposit, PPF and EPF calculators show what a given rate of return would produce. For SIP, lumpsum and NPS that rate is your assumption, not a prediction: mutual fund and NPS investments are subject to market risks, and past returns do not indicate future returns. For deposits, PPF and EPF the rate is whatever you enter; interest rates on these products are set by banks, EPFO and the Government and change over time. NPS exit and withdrawal rules are set by PFRDA and may change.

Toolore is not registered with SEBI or any other regulator as an investment adviser, does not recommend any fund, bank or product, and receives nothing from any provider named or implied on these pages.

The income tax, in-hand salary, bonus tax, HRA, gratuity and capital gains calculators apply the Indian tax and labour rules for the tax year they name, to the figures you enter, and cover only the common cases each page lists. The GST and VAT calculators apply the rate you enter. They do not determine which rate applies to a particular product or service, and the rates mentioned on those pages are examples that can change. The pages that describe tax rules — such as which section of the Income-tax Act applies to PPF — reflect the rules as they stood when the page was last updated.

None of this is tax advice. For a filing, an invoice or a tax decision, confirm the rules with the tax authority or a qualified professional.

The BMI and calorie calculators are general-population screening estimates. BMI cannot distinguish muscle from fat and is not valid for children, pregnancy, or people at the extremes of height. Calorie needs vary between individuals by more than any equation predicts.

These tools are not medical advice, not a diagnosis, and not a substitute for a doctor or a registered dietitian. Do not use them to make decisions about a medical condition.

The image and PDF tools run entirely in your browser: nothing you choose is uploaded, and nothing is kept once the tab is closed. That also means we cannot recover a file for you, so keep your originals until you have checked the result.

Editing a PDF invalidates any digital signature on it, and form fields, bookmarks and other interactive parts are not carried into a merged or split file. For a document that must stay legally intact, use software made for that purpose and check the result before you rely on it.

The JWT decoder reads a token; it does not verify its signature and therefore proves nothing about whether a token is genuine. Base64 and URL encoding are encodings, not encryption, and provide no confidentiality whatsoever.

Although these tools run entirely in your browser, the general principle stands: do not paste live production secrets into any third-party website, including this one.

• For a financial decision, use your lender's or provider's own figures.
• For a health decision, speak to a clinician.
• For a legal or tax question, speak to a professional in your jurisdiction.
• For engineering or safety-critical work, verify against an authoritative reference.

To the extent permitted by law, Toolore accepts no liability for loss arising from reliance on these tools. If you find a result you believe is wrong, please tell us — a reported error is one we can fix.