Budget Planner
Organize income and expenses into a simple budget.
- Browser-based
- No signup
UTILNIVO
Free Online PDF, Calculator, Image and Text Tools
Use free online tools to compress PDFs, calculate loans, resize images, count words and complete everyday tasks. No signup required.
Browse categories
Popular calculators
View all 124 toolsCar Loan Calculator
Estimate monthly auto loan payments from price, down payment, rate, and term.
- Browser-based
- No signup
Compound Interest Calculator
Calculate compound interest growth on savings or investments.
- Browser-based
- No signup
Credit Card Payoff Calculator
Plan payoff timelines and interest for credit card debt.
- Browser-based
- No signup
Debt-to-Income Calculator
Calculate front-end and back-end debt-to-income ratios from income and monthly debts.
- Browser-based
- No signup
Discount Plus Tax Calculator
Find the final price after a discount and sales tax.
- Browser-based
- No signup
Calculators
View calculator toolsBusiness Days Calculator
Count weekdays between two dates, excluding holidays.
- Browser-based
- No signup
Countdown Calculator
Count time remaining until a date or event.
- Browser-based
- No signup
Percentage Calculator
Calculate percentages, increases, decreases, and ratios.
- Browser-based
- No signup
Time Duration Calculator
Find the difference between two clock times.
- Browser-based
- No signup
PDF and document tools
View PDF toolsAdd PDF Watermark
Add text or image watermarks to PDF pages.
- Browser-based
- No signup
- Stays on your device
Compress PDF
Compress PDFs securely with Ghostscript. Files auto-delete in one hour.
- Secure processing
- Automatically deleted
- No signup
Merge PDF
Combine multiple PDF files into one document.
- Browser-based
- No signup
- Stays on your device
PDF to Word
Convert PDF to Word (.docx) with secure server-side processing.
- Secure processing
- Automatically deleted
- No signup
Remove PDF Password
Unlock a PDF when you know the password.
- Browser-based
- No signup
- Stays on your device
Rotate PDF
Rotate PDF pages to the correct orientation.
- Browser-based
- No signup
- Stays on your device
Image tools
View image toolsAdd Image Watermark
Add text or logo watermarks to images.
- Browser-based
- No signup
- Stays on your device
Aspect Ratio Calculator
Simplify width and height into an aspect ratio.
- Browser-based
- No signup
- Stays on your device
Base64 to Image Converter
Decode Base64 or a data URL into an image file.
- Browser-based
- Basic conversion
- No signup
- Stays on your device
Blur Image
Apply blur effects to images.
- Browser-based
- No signup
- Stays on your device
Color Palette Generator
Build color palettes from a seed hex color or an image.
- Browser-based
- No signup
- Stays on your device
Crop Image
Crop images to focus on the area you need.
- Browser-based
- No signup
- Stays on your device
Text tools
View text toolsCase Converter
Convert text between upper, lower, title, sentence, and programming cases.
- Browser-based
- No signup
Character Counter
Count characters with and without spaces in real time.
- Browser-based
- No signup
Citation Generator
Create APA, MLA, and Chicago citation drafts for common sources.
- Browser-based
- No signup
Crossword Generator
Build a simple crossword grid from your own words and clues.
- Browser-based
- No signup
Document Formatter
Clean and format prose by fixing spacing, paragraphs, and line wraps.
- Browser-based
- No signup
Lorem Ipsum Generator
Generate placeholder Lorem Ipsum text for designs and drafts.
- Browser-based
- No signup
Browse by category
View all 124 toolsFinance
Loan, interest, tax, and money planning tools.
BrowseMerge, split, compress, and convert PDF files.
BrowseImage
Compress, resize, convert, and edit images.
BrowseText
Word counters, converters, and writing utilities.
BrowseDeveloper
Formatters, encoders, and developer utilities.
BrowseAI
Writing helpers and AI-assisted productivity tools.
BrowseBusiness
Tools for business planning and productivity.
BrowseCalculators
Quick calculators for numbers, dates, and estimates.
BrowseEveryday Tools
General-purpose tools for common daily tasks.
BrowseFamily
Tools for parents and family planning.
BrowseEducation
Grade, GPA, and test score calculators for students and teachers.
BrowseAuto
Fuel, mileage, and trip cost calculators.
BrowseFood
Recipe, calorie, and nutrition helpers.
BrowseRecently added tools
View all 124 toolsEMI Calculator
Estimate monthly EMI, total interest, and amount payable for a loan.
- Browser-based
- No signup
Mortgage Calculator
Calculate mortgage payments, interest, and totals.
- Browser-based
- No signup
Car Loan Calculator
Estimate monthly auto loan payments from price, down payment, rate, and term.
- Browser-based
- No signup
Credit Card Payoff Calculator
Plan payoff timelines and interest for credit card debt.
- Browser-based
- No signup
Retirement Calculator
Project retirement savings growth over time.
- Browser-based
- No signup
Budget Planner
Organize income and expenses into a simple budget.
- Browser-based
- No signup
Why use Utilnivo
Runs in your browser
Many tools process inputs on your device. Server-based tools explain how files are handled on their page.
Free to use
Browse calculators, PDF tools, image editors, and developer utilities without paywalls.
Built for everyday tasks
From finance and documents to text and images, Utilnivo covers common jobs in one place.
FAQ
Are Utilnivo tools free?
Yes. Tools are free to use in your browser and do not require an account.
Do you upload my files or text?
Most tools process inputs locally in your browser. Optional server-side PDF helpers only run when configured, and those pages explain how they work.
Do I need to install anything?
No. Open a tool in your browser, enter your inputs, and download or copy the result.