# FWD Tools > Free browser-based tools for freelancers, frontend developers, and web professionals. No sign-up, no data upload, no server processing. FWD Tools is a collection of 182+ free online utilities that run entirely in the browser. Tools cover developer workflows, CSS and design generation, image processing, PDF manipulation, finance and freelance calculators, SEO meta generation, and productivity. All tools are free, privacy-first, and work without an account. Main site: https://fwdtools.com/ Sitemap: https://fwdtools.com/sitemap.xml Blog: https://fwdtools.com/blog/ --- ## Finance & Calculators - [EMI Calculator](https://fwdtools.com/emi-calculator/) : Calculate loan EMI instantly — home loan, car loan, personal loan, education loan. Monthly EMI, total interest, amortization schedule, donut breakdown chart. 100% private, no upload. - [Mortgage Calculator](https://fwdtools.com/mortgage-calculator/) : Estimate US monthly mortgage payments with principal, interest, property tax, homeowners insurance, PMI, HOA dues, payoff date, and downloadable amortization schedule. - [Monthly Investment Calculator](https://fwdtools.com/monthly-investment-calculator/) : Calculate how daily, weekly, or monthly investments grow over time. Multi-currency (USD/EUR/GBP/CAD/AUD/INR), compare two contribution amounts side by side, milestone markers, Rule of 72, and CSV export. - [Compound Interest Calculator](https://fwdtools.com/compound-interest-calculator/) : Calculate how investments grow with compound interest. Enter initial amount, monthly contributions, interest rate, and duration to see future value, total invested, interest earned, and inflation-adjusted value. - [Retirement Calculator](https://fwdtools.com/retirement-calculator/) : Estimate retirement savings, required nest egg, monthly contribution needed, inflation-adjusted value, and withdrawal-rate income. Supports multiple currencies. - [FD Calculator](https://fwdtools.com/fd-calculator/) : Calculate fixed deposit maturity value and interest earned for any principal, rate, tenure, and compounding frequency. Supports quarterly, monthly, half-yearly, and yearly compounding with year-wise growth table. - [SIP Calculator](https://fwdtools.com/sip-calculator/) : Calculate mutual fund SIP maturity value for India. Add monthly SIP, expected return, duration, annual step-up, lump sum, and inflation to estimate invested amount, gains, and future value. - [Budget Planner](https://fwdtools.com/budget-planner/) : Plan a monthly budget from net pay using the 50/30/20 rule. Split take-home income into needs, wants, savings, debt payoff, and goal timelines. - [Net Worth Calculator](https://fwdtools.com/net-worth-calculator/) : Calculate net worth from assets minus liabilities. Track cash, investments, property, loans, credit cards, debt ratios, and monthly CSV snapshots in multiple currencies. - [Salary to Hourly](https://fwdtools.com/salary-to-hourly-calculator/) : Convert any salary to an hourly rate instantly. Supports 8 pay periods (hourly, daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, annual). Adjust hours/day, days/week, and weeks/year. Auto-detects currency. - [Tip Calculator](https://fwdtools.com/tip-calculator/) : Calculate how much to tip at a restaurant, split a bill between friends, and find the per-person total. Supports 10–25% presets, custom tip %, and round-up options. - [Loan Payoff Calculator](https://fwdtools.com/loan-payoff-calculator/) : Calculate how long to pay off any loan and how much interest you'll pay. Supports personal, auto, and student loans. Add extra payments to see how much interest you save. Full amortization schedule included. - [Inflation Calculator](https://fwdtools.com/inflation-calculator/) : Find out what £1,000 in 1990 is worth today. Uses real US CPI data (1913–2024) from BLS and UK RPI data (1948–2024) from ONS. Shows total inflation %, average annual rate, purchasing power, and a year-by-year chart. - [Credit Card Payoff](https://fwdtools.com/credit-card-payoff-calculator/) : See exactly how long it takes to pay off your credit card debt and how much interest you'll pay. Enter balance, APR, and monthly payment or target months. Compare against minimum-only payments. - [VAT Calculator UK](https://fwdtools.com/vat-calculator-uk/) : Add or remove UK VAT at 20% (standard), 5% (reduced), 0% (zero), or custom rate. Shows net, VAT amount, and gross instantly. Includes quick-reference table and VAT registration threshold info. - [Australia Take-Home Pay](https://fwdtools.com/australia-take-home-calculator/) : Calculate your Australian take-home pay for 2024-25. Covers income tax (Stage 3 cuts), Medicare levy, Medicare Levy Surcharge, HECS/HELP repayment, and employer superannuation. Salary or hourly input. Weekly, fortnightly, or monthly output. - [Date Calculator](https://fwdtools.com/date-calculator/) : Calculate the number of days between two dates, your exact age in years/months/days/hours, or add and subtract days from a date. Includes quick presets and day-of-week results. - [Aspect Ratio Calculator](https://fwdtools.com/aspect-ratio-calculator/) : Calculate aspect ratios, scale dimensions proportionally, and look up exact pixel sizes for 14 social media platforms including YouTube, Instagram, TikTok, Twitter/X, LinkedIn, Facebook, Pinterest, and OG images. - [GST Calculator](https://fwdtools.com/gst-calculator/) : Add or remove GST for India (5%, 12%, 18%, 28%) and Australia (10%). India mode shows CGST/SGST split for intra-state and IGST for inter-state supply. Includes quick-reference table and registration threshold info. - [UK Take-Home Pay](https://fwdtools.com/uk-take-home-calculator/) : Calculate your UK take-home pay after income tax, National Insurance, pension, and student loan. Switch between 2026/27 (current) and 2025/26 (previous) tax years. Covers England, Wales, NI and Scotland. - [Canada Take-Home Pay](https://fwdtools.com/canada-take-home-calculator/) : Estimate Canadian take-home pay with 2026 federal tax, provincial tax, CPP/CPP2, EI, RRSP deductions, and annual/monthly/bi-weekly pay breakdowns. - [Paycheck Calculator](https://fwdtools.com/paycheck-calculator/) : Calculate take-home pay after federal income tax, state income tax, Social Security, Medicare, 401(k), and health insurance. Covers all 50 states with 2025 tax tables. Enter salary or hourly rate. - [Rent vs Buy Calculator](https://fwdtools.com/rent-vs-buy-calculator/) : Compare renting vs buying a home with rent growth, mortgage costs, property tax, insurance, HOA, maintenance, appreciation, closing costs, selling costs, and investment returns. - [Freelance Rate Calculator](https://fwdtools.com/freelance-rate-calculator/) : Calculate your freelance hourly rate from desired income, tax, expenses, and billable hours. Shows minimum rate, recommended rate, day rate, and market comparison. Runs fully in your browser. - [Working Days Calculator](https://fwdtools.com/working-days-calculator/) : Count working days between two dates. Exclude weekends, public holidays, and custom days off. Shows calendar breakdown and day count instantly. --- ## Freelancer Business Tools - [Freelance Invoice Generator](https://fwdtools.com/freelance-invoice-generator/) : Create professional freelance invoices instantly. Add logo, client details, unlimited line items, tax, and discount. Live preview updates as you type. Download as PDF or print. Free, no sign-up. - [Freelance Dashboard](https://fwdtools.com/freelance-dashboard/) : All-in-one workspace for freelancers. Daily focus tasks and timestamped work log, full kanban board, world clock, and cross-tool Freelance Hub. Optional AES-GCM encrypted GitHub Gist sync. No login, 100% private. - [Proposal Builder](https://fwdtools.com/proposal-builder/) : Build freelance proposals in your browser with reusable templates, scope, deliverables, timeline, terms, local IndexedDB storage, and PDF/CSV/JSON export. - [Contract Template Manager](https://fwdtools.com/contract-template-manager/) : Manage freelance contract templates, reusable clauses, client details, signature notes, signed dates, and local export in your browser. - [Scope Creep Tracker](https://fwdtools.com/scope-creep-tracker/) : Track original scope, client change requests, approvals, extra-billable work, and decision logs locally in IndexedDB. - [Follow-Up Reminder Board](https://fwdtools.com/follow-up-reminder-board/) : Track lead, proposal, invoice, testimonial, and project follow-ups on a local browser board stored in IndexedDB. - [Local Invoice Tracker](https://fwdtools.com/local-invoice-tracker/) : Track invoices locally in IndexedDB with line items, due dates, paid amounts, outstanding totals, CSV export, and browser print-to-PDF. - [Freelance Expense Tracker](https://fwdtools.com/freelance-expense-tracker/) : Track software subscriptions, contractors, hardware, travel, tax-deductible freelance expenses, and CSV exports locally in IndexedDB. - [Retainer Tracker](https://fwdtools.com/retainer-tracker/) : Track monthly retainers, included hours, deliverables, used hours, renewal dates, rollover notes, and recurring revenue locally in IndexedDB. - [Freelance Availability Planner](https://fwdtools.com/freelance-availability-planner/) : Track booked projects, weekly capacity, start and end dates, open slots, and overload warnings locally in IndexedDB. - [Milestone Payment Tracker](https://fwdtools.com/milestone-payment-tracker/) : Track deposits, milestone payments, due dates, paid dates, paid amounts, and outstanding project balances locally in IndexedDB. - [Resume Builder](https://fwdtools.com/resume-builder/) : Build a professional resume entirely in your browser. 4 templates (2 ATS-friendly), 6 Google Fonts, custom accent color, 7 reorderable sections, live preview, one-click PDF download. No login, no AI, your data never leaves your device. - [Client CRM](https://fwdtools.com/client-crm/) : Use a private client CRM for freelancers with no login. Save client profiles, notes, project history, rates, and follow-up dates locally in IndexedDB. - [Client Intake Form Builder](https://fwdtools.com/client-intake-form-builder/) : Build client intake forms for freelancers, preview fields, save responses locally in IndexedDB, and export intake answers as CSV or JSON. - [Client Portal Lite](https://fwdtools.com/client-portal-lite/) : Create a private local client checklist for project links, files needed, milestones, status, and handoff notes stored in browser IndexedDB. --- ## Developer & Code Tools - [Binary / Hex / ASCII Converter](https://fwdtools.com/binary-hex-ascii/) : Convert between binary, hexadecimal, decimal, octal, and ASCII text instantly. Enter any format and all others update in real time. Free online tool. - [Number Base Converter](https://fwdtools.com/number-base-converter/) : Convert numbers between binary, octal, decimal, and hexadecimal instantly. Shows 8-bit and 16-bit binary representations. Includes a reference table of common values from 0 to 65535. - [HTML Entity Encoder](https://fwdtools.com/html-entity-encoder/) : Encode HTML special characters to named entities (&, <, >) or numeric entities. Decode HTML entities back to plain text. Three modes: minimal, full, and numeric. - [UUID / ULID / NanoID](https://fwdtools.com/uuid-generator/) : Generate UUID v4, v7, v1, ULID, and NanoID in bulk. Uppercase, no-hyphens, custom NanoID alphabet. Up to 1000 IDs, copy all or download. 100% browser, no sign-up. - [Password Generator](https://fwdtools.com/password-generator/) : Generate cryptographically secure passwords, passphrases, PINs, and memorable passwords. Live entropy meter, crack-time estimate, bulk generation, and copy history. - [QR Code Generator](https://fwdtools.com/qr-code-generator/) : Generate QR codes for URLs, WiFi, email, SMS, vCard, and phone. Custom dot styles, colors, gradients, logo upload. Download PNG or SVG. - [JSON Formatter](https://fwdtools.com/json-formatter/) : Format, validate, minify, and syntax-highlight JSON. Live parsing with sort keys and download support. - [HTML Formatter](https://fwdtools.com/html-formatter/) : Paste HTML and format it instantly with proper indentation. Prettifies inline