All Tools

Everything in one place.

208+ free browser-based tools across 14 categories — no sign-up, no installs.

AI Writing

15 tools

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AI Image Generator

15 tools

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Text Tools

15 tools

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Audio Tools

15 tools

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Video Tools

15 tools

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Image Tools

20 tools

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PDF Tools

20 tools

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File Tools

15 tools

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Design Tools

6 tools

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Productivity Tools

6 tools

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Conversion Tools

10 tools

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Finance Calculators

40 tools

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Loan Calculator

Monthly payments & total interest

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Mortgage Calculator

Home loan payment breakdown

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EMI Calculator

Equated monthly instalment

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Investment Calculator

Future value of investments

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Compound Interest

Compound growth calculator

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Retirement Calculator

Savings needed for retirement

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Budget Planner

Monthly income vs expenses

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Expense Tracker

Track spending by category

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Tax Calculator

Estimate income tax

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ROI Calculator

Return on investment

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NPV Calculator

Net present value

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Break-Even Calculator

Units to cover fixed costs

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Credit Card Calculator

Payoff time & interest

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Currency Exchange

Convert between 20 currencies

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Net Worth Calculator

Assets minus liabilities

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Savings Goal

Time to reach savings target

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Salary Calculator

Annual to hourly breakdowns

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Inflation Calculator

Purchasing power over time

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Stock Calculator

P&L from stock trades

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Bond Calculator

Bond price from YTM

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Simple Interest

Interest on a principal amount

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Savings Calculator

Future value of regular savings

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Debt Calculator

Months to pay off debt

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Auto Loan Calculator

Car loan monthly payment

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Student Loan Calculator

Student loan repayment

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Tip Calculator

Tip and per-person split

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Discount Calculator

Final price after discount

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Markup Calculator

Sale price from markup

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Profit Margin

Margin from revenue and cost

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IRR Calculator

Internal rate of return

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Payback Period

Time to recover investment

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Cryptocurrency

Coin value and P&L

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Dividend Calculator

Dividend income and yield

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Annuity Calculator

Future and present value of annuity

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Future Value

Future value of a present sum

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Present Value

Today's value of a future sum

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Lease vs Buy

Compare leasing and buying

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Refinance Calculator

Savings from refinancing

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Home Affordability

How much home you can afford

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Financial Goal

Monthly savings to reach a goal

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QR & Barcode Tools

10 tools

Open category

Code Tools

6 tools

Open category

How this catalog works

Every tool listed above opens instantly in your browser — there is nothing to install and no account to create. Use the search bar to find a tool by name or description, or filter by category using the pills. Each tool card links to its category page, where you will find step-by-step instructions, sample inputs and outputs, common use cases, and an honest note on what the tool can and cannot do.

The tools fall into three groups. Local tools — PDF, image, video, audio, file, text, conversion, code, design, productivity, and finance — process your files or text entirely in your browser and never send that content to UtilityAIWorkspace's servers. AI writing and image tools send the prompt you enter to our servers to generate a response, and the prompt and response are retained as conversation history. QR and barcode tools send the content you encode to a third-party rendering service so it can draw your code. See the Privacy Policy for full details.

Choosing the right tool

  • Need to edit a document? Start with PDF Tools to merge, split, compress, or sign PDFs, or File Tools to convert, merge, and encrypt text files.
  • Working with media? Image Tools, Video Tools, and Audio Tools handle resizing, compression, conversion, trimming, and effects — all locally in your browser.
  • Writing or translating? AI Writing Tools draft blog posts, emails, and social copy from a few inputs, while Text Tools check grammar, paraphrase, and count words.
  • Planning finances? The 40 Finance Calculators cover loans, mortgages, investments, taxes, and budgets — estimates only, not financial advice.
  • Building or debugging? Code Tools validate JSON and XML, minify code, test regex, and encode Base64 and URLs without uploading your data.

Frequently asked questions

Do I need to create an account?

No. Every tool is available without signing up. Open any category and start using the tools immediately.

Are these tools really free?

Yes. All 200+ tools are completely free. UtilityAIWorkspace is supported by advertising served through Google AdSense, which loads only after you grant consent through Google's consent message.

Do the tools work on mobile?

Yes. Every tool is responsive and works on phones, tablets, and desktops with a modern browser. Some media tools perform best in Chrome or Edge, which offer the widest codec support.