# 3tej.com - Full tool catalogue (LLM reference) > 1,246 tools across 33 canonical categories. > One line per tool: [title](url): one-line description. > Grouped by category, sorted alphabetically within each group. > See /llms.txt for the short hub index. ## Category index - Utility (384 tools): Miscellaneous browser-based tools that do not belong to a specific topic hub. - Generator (57 tools): Password, slug, lorem-ipsum, UUID, QR, and other one-shot value generators. - Investing & FIRE (80 tools): Compound growth, retirement corpus, withdrawal rate, and equity math. - Personal Finance (72 tools): Budgeting, debt payoff, credit cards, paycheck math, and day-to-day money decisions. - Math (68 tools): Algebra, geometry, percentages, statistics, and step-by-step worked solutions. - Files & Media (51 tools): Image, PDF, audio, and video utilities running entirely in your browser. - Health & Medical (36 tools): BMI, BMR, dosing, clinical scores, and other health and medical math. - Time & Date (34 tools): Date math, age calculators, time-zone deltas, and business-day counters. - Conversions (34 tools): Length, weight, area, volume, temperature, time, and engineering unit conversions. - UK Finance (35 tools): HMRC PAYE, National Insurance, ISA, LISA, SIPP, stamp duty, and Scottish/English bands. - Sport & Fitness (33 tools): Running pace, VO2 max, 1RM, training zones, and endurance math. - Loans & Debt (33 tools): Mortgage, auto, student, personal, and credit-card loan math. Amortization schedules, refinance trade-offs, payoff strategies. - Construction (31 tools): Concrete, paint, lumber, drywall, tile, roofing, and renovation cost math. - Real Estate (29 tools): Mortgage, affordability, stamp duty, rent vs buy, and rental yield math. - US Finance (29 tools): IRS tax brackets, retirement accounts (401k, IRA, Roth), Social Security, and US-specific salary math. - Business & SaaS (22 tools): CAC, LTV, churn, ARR, rule-of-40, and SaaS unit-economics math. - Brewing (19 tools): ABV, IBU, mash temperature, dilution, and home-brewing math. - Writing & Text (19 tools): Word and character counters, readability, slugifiers, and text transformers. - Canada Finance (17 tools): CRA tax brackets, CPP, EI, RRSP, TFSA, FHSA, and provincial land-transfer math. - Auto (16 tools): Loan, lease vs buy, MPG, fuel cost, and total-cost-of-ownership math. - Australia Finance (14 tools): ATO PAYG, HECS, Medicare levy, superannuation, and state stamp-duty math. - Insurance (14 tools): Term vs whole life, premium vs coverage, and HDHP vs PPO trade-off helpers. - Dev (14 tools): Encoders, decoders, formatters, regex testers, and other engineer-grade utilities. - Games (14 tools): Brain games, dice, puzzle solvers, and quick interactive utilities. - India Finance (13 tools): New regime vs old regime, 80C, EPF, NPS, HRA, GST, and Indian salary math. - Cooking (13 tools): Recipe scaling, baking ratios, oven temperature, and hydration math. - Physics (12 tools): Mechanics, electricity, waves, optics, and engineering physics math. - Career (11 tools): Salary, bonus, raise, take-home, paycheck, GPA, and grade calculators. Worked against 2026 rules. - Garden (10 tools): Soil, fertilizer, plant spacing, and growing-season math for the garden. - Hobby (10 tools): Photography, music, pets, astronomy, and other hobby-specific math. - Lifestyle (8 tools): Travel, climate, family, and everyday lifestyle calculators. - Pregnancy (8 tools): Due date, ovulation, gestational age, and pregnancy-specific math. - Crypto (6 tools): Crypto P&L, APR/APY, position sizing, and tax-event ledger helpers. ## Utility (384 tools) > Miscellaneous browser-based tools that do not belong to a specific topic hub. - [⌨️ Typing Practice Drills](https://3tej.com/tools/typing-practice): Touch typing drills graduated by row and difficulty. Track per-key accuracy. - [⌨️ Typing Speed Test](https://3tej.com/tools/typing-speed-test): Type the passage. We measure WPM, accuracy, and consistency in real time. - [⏲️ Cron Explainer](https://3tej.com/tools/cron-explainer): Type a cron expression - get plain English. - [♿ WCAG Contrast Checker](https://3tej.com/tools/contrast-checker): ♿ WCAG Contrast Checker takes source value and source unit and returns the matching ♿ wcag contrast checker result. Runs entirely in your browser. No login, no tracking of inputs. - [⚛️ Periodic Table](https://3tej.com/tools/periodic-table): Click any element to see properties. - [🇮🇳 Section 80D Health Insurance Tax Deduction](https://3tej.com/tools/section-80d): 🇮🇳 Section 80D Health Insurance Tax Deduction takes coverage, deductible, term, age and returns the matching 🇮🇳 section 80d health insurance tax deduction result. Runs entirely in your browser. No login, no tracking of inputs. - [🇮🇳 Section 87A Rebate Calculator (India)](https://3tej.com/tools/87a-rebate-calculator): A 🇮🇳 Section 87A Rebate Calculator (India) computes 🇮🇳 section 87a rebate calculator (india) from the inputs you provide. - [✅ Habit Tracker](https://3tej.com/tools/habit-tracker): Add habits. Mark daily. Build streaks. - [✖️ Times Table Trainer](https://3tej.com/tools/times-table): Drill 2× to 20× with per-table tracking. - [❌ Tic-Tac-Toe](https://3tej.com/tools/tic-tac-toe): ❌ Tic-Tac-Toe takes game state, settings, opponent profile and returns the matching ❌ tic-tac-toe result. Runs entirely in your browser. No login, no tracking of inputs. - [➕ Mental Math Drill](https://3tej.com/tools/mental-math): Pick operations. Solve fast. Score climbs as questions get harder. - [🌐 Multilingual Typing](https://3tej.com/tools/typing-multilang): Hindi · German · French · Russian. - [🌸 Mandala Generator](https://3tej.com/tools/mandala-gen): 🌸 Mandala Generator takes format and optional constraints and returns the matching 🌸 mandala generator result. Runs entirely in your browser. No login, no tracking of inputs. - [🎨 Drawing Canvas](https://3tej.com/tools/drawing-canvas): Sketch with mouse or touch. Save as PNG. - [🎨 Stroop Test](https://3tej.com/tools/stroop-test): Click the COLOR of the text, not the word. 30-second challenge. - [🎯 Aim Trainer Plus](https://3tej.com/tools/memory-aim): Multiple aim training modes. Flick : rapid target switching. Tracking : keep cursor on moving target. Gridshot : hit fixed targets in sequence. Used by FPS gamers (Aimlab, KovaaK's-style). - [🎯 Bingo Card Generator](https://3tej.com/tools/bingo-card): 🎯 Bingo Card Generator takes format and optional constraints and returns the matching 🎯 bingo card generator result. Runs entirely in your browser. No login, no tracking of inputs. - [🎱 Magic 8-Ball](https://3tej.com/tools/magic-8-ball): Magic 8-Ball: a fortune-telling toy invented in 1946. Ask a yes/no question, shake, and a 20-sided die inside reveals an answer. 10 affirmative, 5 non-committal, 5 negative answers. - [🎲 Boggle](https://3tej.com/tools/boggle): 4×4 grid. Find words. 3 minutes. - [🎴 Memory Match Pairs](https://3tej.com/tools/memory-match): Flip cards, find pairs. Track moves and time. - [🎶 BPM Finder](https://3tej.com/tools/bpm-finder): 🎶 BPM Finder takes project parameters or constraints and returns the matching 🎶 bpm finder result. Runs entirely in your browser. No login, no tracking of inputs. - [🎹 Piano Keyboard](https://3tej.com/tools/piano): 🎹 Piano Keyboard takes project parameters or constraints and returns the matching 🎹 piano keyboard result. Runs entirely in your browser. No login, no tracking of inputs. - [🏓 Pong](https://3tej.com/tools/pong): Paddle vs AI or 2-player. First to 10. - [🐦 Flappy Bird](https://3tej.com/tools/flappy-bird): Tap / Space to flap. Clear the pipes. - [🐵 Chimp Test](https://3tej.com/tools/chimp-test): Numbers appear, then hide. Tap them in order. - [🐹 Whack-a-Mole](https://3tej.com/tools/whack-a-mole): Reflex game from arcades. Moles pop up randomly - tap them before they hide. Tests reaction time and hand-eye coordination. - [👁️ Visual Memory](https://3tej.com/tools/memory-visual): Memorize the lit squares, then click them all. Grid grows each level. - [💡 Lights Out](https://3tej.com/tools/lights-out): Click a tile - toggles it and its 4 neighbors. Turn all off. - [💣 Minesweeper](https://3tej.com/tools/minesweeper): Reveal all safe cells. Right-click to flag suspected mines. - [💪 Tabata HIIT Timer](https://3tej.com/tools/tabata-timer): 💪 Tabata HIIT Timer takes two timestamps or a base plus delta and returns the matching 💪 tabata hiit timer result. Runs entirely in your browser. No login, no tracking of inputs. - [💻 Code Typing Test](https://3tej.com/tools/code-typing-test): Practice typing code. Real syntax with brackets, indentation, and symbols. - [📚 Rubik's Cube Tutor](https://3tej.com/tools/rubiks-tutor): 📚 Rubik's Cube Tutor takes numbers, ranges, parameters and returns the matching 📚 rubik's cube tutor result. Runs entirely in your browser. No login, no tracking of inputs. - [📝 Custom Text Typing](https://3tej.com/tools/custom-typing): Type any text you provide. Useful for: practicing important emails, memorizing speeches, transcription practice, learning long passages. - [📡 NATO Alphabet](https://3tej.com/tools/nato-alphabet): 📡 NATO Alphabet takes project parameters or constraints and returns the matching 📡 nato alphabet result. Runs entirely in your browser. No login, no tracking of inputs. - [📻 Morse Code Translator](https://3tej.com/tools/morse-code): Text ⇄ Morse with audio playback. - [🔀 Word Scramble](https://3tej.com/tools/word-scramble): Unscramble the letters. Race the clock. - [🔐 Caesar Cipher](https://3tej.com/tools/caesar-cipher): Shift letters by N. Encode and decode. - [🔠 ASCII Art Generator](https://3tej.com/tools/ascii-art): 🔠 ASCII Art Generator takes format and optional constraints and returns the matching 🔠 ascii art generator result. Runs entirely in your browser. No login, no tracking of inputs. - [🔢 Number Memory](https://3tej.com/tools/memory-numbers): Remember the number, then type it. Grows by one digit each round. - [🔴 Connect Four](https://3tej.com/tools/connect-four): Drop tokens. First to 4-in-a-row wins. - [🖼️ Nonograms / Picross](https://3tej.com/tools/nonogram): Use number clues. Fill cells. Reveal picture. - [🗼 Tower of Hanoi](https://3tej.com/tools/tower-of-hanoi): Move all discs to the right. Big can't rest on small. - [🧊 Rubik's Cube 3D Sim](https://3tej.com/tools/rubiks-3d): 🧊 Rubik's Cube 3D Sim takes numbers, ranges, parameters and returns the matching 🧊 rubik's cube 3d sim result. Runs entirely in your browser. No login, no tracking of inputs. - [🧊 Rubik's Cube Timer](https://3tej.com/tools/rubiks-timer): 🧊 Rubik's Cube Timer takes numbers, ranges, parameters and returns the matching 🧊 rubik's cube timer result. Runs entirely in your browser. No login, no tracking of inputs. - [🧘 Meditation Timer](https://3tej.com/tools/meditation-timer): 🧘 Meditation Timer takes two timestamps or a base plus delta and returns the matching 🧘 meditation timer result. Runs entirely in your browser. No login, no tracking of inputs. - [🧠 N-Back Test](https://3tej.com/tools/nback-test): 🧠 N-Back Test computes estimated BAC, time to sober from drinks consumed, weight, sex, hours since first drink. Runs entirely in your browser. No login, no tracking of inputs. Best for Blood alcohol estimate. - [🧠 Sequence Memory](https://3tej.com/tools/memory-sequence): Watch the pattern, then click in the same order. The sequence grows each round. - [🧩 15-Puzzle (Slide)](https://3tej.com/tools/slide-puzzle): Slide tiles. Arrange 1-15 in order. - [🧱 Breakout](https://3tej.com/tools/breakout): Bounce the ball. Break all bricks. - [🪙 Coin Flip](https://3tej.com/tools/coin-flip): 🪙 Coin Flip takes format and optional constraints and returns the matching 🪙 coin flip result. Runs entirely in your browser. No login, no tracking of inputs. - [🪢 Hangman](https://3tej.com/tools/hangman): Guess letters one at a time. 6 wrong guesses and you lose. - [🫁 Box Breathing 4-4-4-4](https://3tej.com/tools/breathing-box): Inhale 4s, hold 4s, exhale 4s, hold 4s. Repeat. - [😴 4-7-8 Breathing](https://3tej.com/tools/breathing-478): Inhale 4s, hold 7s, exhale 8s. Sleep aid. - [🟦 Pixel Art Editor](https://3tej.com/tools/pixel-art): 16×16 / 32×32 grid editor. Save as PNG. - [6-Minute Walk Test (6MWT) Calculator](https://3tej.com/tools/6-minute-walk-test-calculator): 6-Minute Walk Test (6MWT) Calculator is a free clinical assessment calculator that gives you a deterministic answer for 6-minute walk test (6mwt) questions. Runs entirely in your browser. No login, no tracking of inputs. - [80C Investment Options](https://3tej.com/tools/80c-investment-options): 80C Investment Options computes total 80C deduction used, room left from eligible instruments, contributions. Runs entirely in your browser. No login, no tracking of inputs. Best for India 80C planning. - [Acres to Hectares Converter (+ 8 land units)](https://3tej.com/tools/acres-to-hectares-converter): Acres to Hectares Converter (+ 8 land units) is a free land area conversion calculator that gives you a deterministic answer for acres to hectares converter (+ 8 land units) questions. Runs entirely in your browser. No login, no tracking of inputs. - [Add Time Calculator (Hours + Minutes + Seconds)](https://3tej.com/tools/add-time-calculator): add time hours minutes seconds, video editor timecode, race split times add time calculator (hours + minutes + seconds) free 3tej calculator - [Advance Tax Calculator](https://3tej.com/tools/advance-tax): Advance Tax Calculator takes salary, HRA, 80C deductions, regime choice and returns the matching advance tax result. Runs entirely in your browser. No login, no tracking of inputs. - [After Tax Income Calculator](https://3tej.com/tools/after-tax-income): After tax income is what is left after federal, state, FICA (or equivalent), and any pre tax deductions are removed from gross pay. It is the number that matters for budgeting, not the headline salary. - [Alternative Minimum Tax (AMT)](https://3tej.com/tools/amt-calculator): Alternative Minimum Tax (AMT) computes AMT owed beyond regular tax from AGI, AMT preferences, ISO exercise, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for High-earner / ISO holder AMT check. - [Angle Converter (Degrees, Radians, Gradians, Turns)](https://3tej.com/tools/angle-converter): Angle Converter (Degrees, Radians, Gradians, Turns) is a free math angles calculator that gives you a deterministic answer for angle converter (degrees, radians, gradians, turns) questions. Runs entirely in your browser. No login, no tracking of inputs. - [Ares to Hectares Converter](https://3tej.com/tools/ares-to-hectares): are hectare conversion, European land units, metric area ares to hectares converter free 3tej calculator - [ATM to Pascals Pressure Converter](https://3tej.com/tools/atm-to-pascals-conversion): atm to pascals, atmospheric pressure, bar conversion, psi, mmHg torr atm to pascals pressure converter free 3tej calculator - [Bar to PSI Pressure Converter](https://3tej.com/tools/bar-to-psi-conversion): bar to psi, tire pressure conversion, engineering pressure units, hydraulics bar to psi pressure converter free 3tej calculator - [Base32 Encoder / Decoder](https://3tej.com/tools/base32-encode-decode): Base32 Encoder / Decoder takes source value and source unit and returns the matching base32 encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [Battery Life Calculator](https://3tej.com/tools/battery-life-calculator): Capacity (mAh) / Load (mA) = hours. Discharge rate impacts capacity. - [Billion to Trillion Number Converter](https://3tej.com/tools/billion-to-trillion-converter): short scale vs long scale, million billion trillion, large number conversion billion to trillion number converter free 3tej calculator - [Butter Substitute Calculator](https://3tej.com/tools/butter-substitute-calculator): 1 cup butter = 3/4 cup oil OR 1 cup applesauce (sweet bakes only). - [Buy vs Rent Decision Calculator (7 countries)](https://3tej.com/tools/buy-vs-rent-decision-calculator): buy vs rent calculator 2026, break-even housing, mortgage NPV, US UK Canada Australia India UAE Singapore buy vs rent decision calculator (7 countries) - [Byte/KB/MB/GB Converter (Decimal vs Binary)](https://3tej.com/tools/byte-converter): bytes to GB, KB vs KiB, GB vs GiB, IEC decimal binary, file size byte/kb/mb/gb converter (decimal vs binary) free 3tej calculator - [Caffeine Half-Life Calculator](https://3tej.com/tools/caffeine-half-life-calculator): Current caffeine in your system and time until sleep-safe. - [Camping Pack Weight Calculator](https://3tej.com/tools/camping-pack-weight-calculator): Base weight + consumables. Aim 20% body weight max for backpacking. - [Canada Carbon Rebate Calculator](https://3tej.com/tools/canada-carbon-rebate-calculator): Canada Carbon Rebate Calculator takes income, province, RRSP, TFSA contributions and returns the matching canada carbon rebate result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada Express Entry CRS Calculator 2026](https://3tej.com/tools/canada-express-entry-crs-calculator): Canada Express Entry CRS Calculator 2026 is a free ca immigration calculator that gives you a deterministic answer for canada express entry crs calculator 2026 questions. Runs entirely in your browser. No login, no tracking of inputs. - [Capacitor Charge Time](https://3tej.com/tools/capacitor-charge-time-calculator): Capacitor Charge Time takes mass, velocity, force, field strength and returns the matching capacitor charge time result. Runs entirely in your browser. No login, no tracking of inputs. - [Car True Cost per Mile](https://3tej.com/tools/car-cost-per-mile-calculator): Gas + insurance + maintenance + depreciation. AAA: $0.70-1.20/mi. - [CC to mL Volume Converter (Medical + Engine)](https://3tej.com/tools/cc-to-ml-converter): cc to ml, cubic centimeter milliliter, engine displacement, medical volume insulin cc to ml volume converter (medical + engine) free 3tej calculator - [CD Ladder Calculator](https://3tej.com/tools/cd-ladder-calculator): 5 CDs maturing yearly. Always have liquidity. Avg yield + flexibility. - [Ceiling Fan Size Calculator](https://3tej.com/tools/ceiling-fan-size-calculator): Right blade diameter for the room based on area and ceiling height. - [ChatGPT Prompt Library](https://3tej.com/tools/chatgpt-prompt-library): ChatGPT Prompt Library takes string, regex, format, count and returns the matching chatgpt prompt library result. Runs entirely in your browser. No login, no tracking of inputs. - [Child Tax Credit Calculator](https://3tej.com/tools/child-tax-credit-calculator): Child Tax Credit Calculator takes filing status, wages, deductions, credits and returns the matching child tax credit result. Runs entirely in your browser. No login, no tracking of inputs. - [Childcare Cost Calculator](https://3tej.com/tools/childcare-cost-calculator): Childcare Cost Calculator takes height, weight, age, sex, activity and returns the matching childcare cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Christmas Tree Cost Calculator](https://3tej.com/tools/christmas-tree-cost-calculator): Compare the long-term cost of real vs artificial Christmas trees over 10 years. - [Clothing Size Converter](https://3tej.com/tools/clothing-size-converter): A Clothing Size Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [COBRA Cost Calculator](https://3tej.com/tools/cobra-cost-calculator): COBRA Cost Calculator is a free us healthcare calculator that gives you a deterministic answer for cobra cost questions. Runs entirely in your browser. No login, no tracking of inputs. - [Coffee Cost per Day](https://3tej.com/tools/coffee-cost-per-day-calculator): Coffee Cost per Day takes ingredient quantity, servings, temperature and returns the matching coffee cost per day result. Runs entirely in your browser. No login, no tracking of inputs. - [Cold Brew Calculator](https://3tej.com/tools/cold-brew-calculator): Cold Brew Calculator takes volume, gravity, hop bill, fermentation profile and returns the matching cold brew result. Runs entirely in your browser. No login, no tracking of inputs. - [College Net Price Calculator](https://3tej.com/tools/college-net-price-calculator): Sticker price - financial aid = real cost. Often 30-70% off sticker. - [Color Converter](https://3tej.com/tools/color-converter): Color Converter takes source value and source unit and returns the matching color result. Runs entirely in your browser. No login, no tracking of inputs. - [Color Picker](https://3tej.com/tools/color-picker): Color Picker takes source value and source unit and returns the matching color picker result. Runs entirely in your browser. No login, no tracking of inputs. - [Compound vs Simple Interest](https://3tej.com/tools/compound-vs-simple-interest-calculator): Compound: interest on interest. Simple: only on principal. - [Couples Counseling Cost Calculator](https://3tej.com/tools/couples-counseling-cost-calculator): A Couples Counseling Cost Calculator computes couples counseling cost from the inputs you provide. - [Creatine Loading Calculator](https://3tej.com/tools/creatine-loading-calculator): Compute the right daily creatine monohydrate dose for loading or maintenance. - [Cricket Run Rate Calculator](https://3tej.com/tools/cricket-run-rate-calculator): RR = runs / overs. Required RR = needed runs / overs left. - [Cron Expression Builder](https://3tej.com/tools/cron-builder): Build and decode cron schedules visually with plain-English descriptions. - [CSV to JSON Converter](https://3tej.com/tools/csv-to-json): CSV to JSON Converter takes source value and source unit and returns the matching csv to json result. Runs entirely in your browser. No login, no tracking of inputs. - [cURL to fetch Converter](https://3tej.com/tools/curl-to-fetch-converter): cURL to fetch Converter takes string, regex, format, count and returns the matching curl to fetch result. Runs entirely in your browser. No login, no tracking of inputs. - [D&D Experience Points (5e)](https://3tej.com/tools/dnd-experience-points-calculator): Encounter difficulty by party + monster CR. 5e XP thresholds. - [Data Transfer Time](https://3tej.com/tools/data-transfer-time-calculator): File size / bandwidth = transfer time. 1 GB at 100 Mbps ≈ 80 sec. - [Day of the Week Calculator](https://3tej.com/tools/day-of-week): Day of the Week Calculator takes two timestamps or a base plus delta and returns the matching day of the week result. Runs entirely in your browser. No login, no tracking of inputs. - [Decimal to Binary Number Converter](https://3tej.com/tools/decimal-to-binary): decimal to binary, two's complement, repeated division, computing fundamentals decimal to binary number converter free 3tej calculator - [Decimal to Text Converter](https://3tej.com/tools/decimal-to-text): Decimal to Text Converter takes source value and source unit and returns the matching decimal to text result. Runs entirely in your browser. No login, no tracking of inputs. - [Depreciation Recapture Calculator](https://3tej.com/tools/depreciation-recapture-calculator): A Depreciation Recapture Calculator computes depreciation recapture from the inputs you provide. - [Device Info Checker](https://3tej.com/tools/device-info-checker): Device Info Checker takes string, regex, format, count and returns the matching device info checker result. Runs entirely in your browser. No login, no tracking of inputs. - [Dew Point Calculator](https://3tej.com/tools/dew-point-calculator): Above 70°F: muggy. Above 75: oppressive. 65-70: comfortable. - [Dice Probability Calculator](https://3tej.com/tools/dice-probability-calculator): Dice Probability Calculator is a free games & brain calculator that gives you a deterministic answer for dice probability questions. Runs entirely in your browser. No login, no tracking of inputs. - [Dimensional Weight Calculator](https://3tej.com/tools/dimensional-weight-calculator): L × W × H / divisor. Carriers charge actual OR DIM, whichever higher. - [Discount Calculator](https://3tej.com/tools/discount-calculator): Discount Calculator computes discounted price, you save from original price, discount %. Runs entirely in your browser. No login, no tracking of inputs. Best for Sale price math. - [Divorce Cost Calculator](https://3tej.com/tools/divorce-cost-calculator): Estimate divorce costs by contested status, lawyer hours, mediation, and filing fees. - [Dog Vaccination Cost Calculator](https://3tej.com/tools/dog-vaccination-cost-calculator): A Dog Vaccination Cost Calculator computes dog vaccination cost from the inputs you provide. - [Dollar Cost Averaging (DCA)](https://3tej.com/tools/dollar-cost-averaging-calculator): Steady investing through volatile markets. Lower variance vs lump sum. - [Domestic Help Cost Calculator](https://3tej.com/tools/domestic-help-cost-calculator): Domestic Help Cost Calculator is a free au tax calculator that gives you a deterministic answer for domestic help cost questions. Runs entirely in your browser. No login, no tracking of inputs. - [DRIP Calculator](https://3tej.com/tools/drip-calculator): Reinvest dividends → compound growth. Total return often double price-only. - [Earned Income Tax Credit (EITC)](https://3tej.com/tools/eitc-calculator): Earned Income Tax Credit (EITC) takes filing status, wages, deductions, credits and returns the matching earned income tax credit (eitc) result. Runs entirely in your browser. No login, no tracking of inputs. - [Earthquake Energy Calculator](https://3tej.com/tools/earthquake-energy-calculator): Each magnitude = 32× more energy. M7 = 1000× M5. - [eBay Fee Calculator](https://3tej.com/tools/ebay-fee-calculator): Final value 13.25% + insertion + ad fee + payment = ~15-18% total. - [Egg Substitution Calculator](https://3tej.com/tools/egg-substitution-calculator): Egg Substitution Calculator takes ingredient quantity, servings, temperature and returns the matching egg substitution result. Runs entirely in your browser. No login, no tracking of inputs. - [Elder Care Cost Calculator](https://3tej.com/tools/elder-care-cost-calculator): Estimate monthly senior care costs by care type, hours of care needed, and your local cost tier. - [Electricity Bill Calculator](https://3tej.com/tools/electricity-bill): Estimate your electricity bill based on units consumed and state tariff slabs. - [Engagement Photo Cost Calculator](https://3tej.com/tools/engagement-photo-cost-calculator): See what an engagement shoot will cost based on locations, outfit changes, hours of coverage, and photographer tier. - [Enterprise Value Calculator](https://3tej.com/tools/enterprise-value-calculator): EV = market cap + debt - cash. True takeover cost. - [ESOP / RSU Tax Calculator](https://3tej.com/tools/esop-rsu-tax): Two tax events: perquisite at exercise + capital gains at sale. India FY 2025-26 [1] . - [ESPP Discount Calculator](https://3tej.com/tools/espp-discount-calculator): ESPP Discount Calculator computes discounted price, you save from original price, discount %. Runs entirely in your browser. No login, no tracking of inputs. Best for Sale price math. - [Estate Planning Cost Calculator](https://3tej.com/tools/estate-planning-cost-calculator): A Estate Planning Cost Calculator computes estate planning cost from the inputs you provide. - [Estimated Tax Penalty](https://3tej.com/tools/estimated-tax-penalty-calculator): Underpaid? Pay 0.5%/month interest from due date. - [EV Charge Time Calculator](https://3tej.com/tools/ev-wallbox-charge-time-calculator): Battery kWh ÷ charger kW = hours to full (with efficiency). - [EV vs Gas TCO Calculator](https://3tej.com/tools/ev-vs-gas-tco-calculator): EV vs Gas TCO Calculator is a free climate & ecology calculator that gives you a deterministic answer for ev vs gas tco questions. Runs entirely in your browser. No login, no tracking of inputs. - [Exponential Growth Calculator](https://3tej.com/tools/exponential-growth-calculator): P(t) = P₀ × e^(rt). Doubles when rt = ln(2) ≈ 0.693. - [FD & RD Calculator](https://3tej.com/tools/fd-rd-calculator): Fixed Deposit and Recurring Deposit maturity values. - [Fertility Window Calculator](https://3tej.com/tools/fertility-window-calculator): Fertility Window Calculator takes height, weight, age, sex, activity and returns the matching fertility window result. Runs entirely in your browser. No login, no tracking of inputs. - [FICA Tax Calculator](https://3tej.com/tools/fica-tax-calculator): FICA Tax Calculator computes social Security, Medicare, additional Medicare from wages, self-employment income, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Payroll tax estimate. - [Financial Freedom Calculator](https://3tej.com/tools/financial-freedom-calculator): Financial freedom is the point at which your passive income from investments covers your essential expenses, making work optional. The math is the same as FIRE; the language is friendlier. - [Fish Tank Stocking Calculator](https://3tej.com/tools/fish-tank-stocking-calculator): Find safe stocking levels for your aquarium by tank volume and fish type. - [Fishing Line Test Calculator](https://3tej.com/tools/fishing-line-test-calculator): Match line test to target species. Bass: 8-12 lb. Tuna: 50+ lb. - [Flight Time Calculator](https://3tej.com/tools/flight-time-calculator): Distance ÷ avg speed + boarding/taxi/takeoff overhead. - [Flight vs Drive Calculator](https://3tej.com/tools/flight-vs-drive-calculator): Decide whether to fly or drive. Compare total cost and round-trip time side by side for your group. - [Flour Substitution Calculator](https://3tej.com/tools/flour-substitution-calculator): Flour Substitution Calculator takes ingredient quantity, servings, temperature and returns the matching flour substitution result. Runs entirely in your browser. No login, no tracking of inputs. - [Framing Calculator](https://3tej.com/tools/framing-calculator): Stud spacing 16 in OC standard. 2x4 vs 2x6. - [Freelancer True Hourly Rate Calculator](https://3tej.com/tools/freelancer-true-rate-calculator): Freelancer True Hourly Rate Calculator is a free freelance calculator that gives you a deterministic answer for freelancer true hourly rate questions. Runs entirely in your browser. No login, no tracking of inputs. - [French Press Calculator](https://3tej.com/tools/french-press-calculator): French Press Calculator takes ingredient quantity, servings, temperature and returns the matching french press result. Runs entirely in your browser. No login, no tracking of inputs. - [FSA Calculator](https://3tej.com/tools/fsa-calculator): Flexible Spending Account: pre-tax dollars set aside for medical or dependent care expenses, with the use-it-or-lose-it rule. - [FSA Dependent Care Calculator](https://3tej.com/tools/fsa-dependent-care-calculator): FSA Dependent Care Calculator computes tax saving vs forfeit risk from annual contribution, expected medical spend, marginal rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Sizing an FSA election. - [Gallons to Liters Converter](https://3tej.com/tools/gallon-to-liter-converter): Gallons to Liters Converter takes source value and source unit and returns the matching gallons to liters result. Runs entirely in your browser. No login, no tracking of inputs. - [GIS Calculator](https://3tej.com/tools/gis-guaranteed-income-supplement-calculator): GIS Calculator is a free ca retirement calculator that gives you a deterministic answer for gis questions. Runs entirely in your browser. No login, no tracking of inputs. - [Git Cheatsheet](https://3tej.com/tools/git-cheatsheet): Git Cheatsheet takes string, regex, format, count and returns the matching git cheatsheet result. Runs entirely in your browser. No login, no tracking of inputs. - [Glycemic Load Calculator](https://3tej.com/tools/glycemic-load-calculator): Glycemic Load Calculator takes home price, down payment, rate, term, taxes and returns the matching glycemic load result. Runs entirely in your browser. No login, no tracking of inputs. - [Goal Planner](https://3tej.com/tools/goal-planner): Goal Planner computes months to goal, shortfall if any from goal amount, current savings, monthly contribution, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Savings goal planning. - [Gold Price Calculator](https://3tej.com/tools/gold-calculator): Calculate gold value by weight, purity (karat), and current rate. - [GPT Token Counter + Cost](https://3tej.com/tools/gpt-token-counter): GPT Token Counter + Cost takes string, regex, format, count and returns the matching gpt token counter + cost result. Runs entirely in your browser. No login, no tracking of inputs. - [GraphQL Formatter](https://3tej.com/tools/graphql-formatter): GraphQL Formatter takes string, regex, format, count and returns the matching graphql formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [Gratuity Calculator](https://3tej.com/tools/gratuity-calculator): Gratuity Calculator computes gratuity payable, taxable portion from last basic salary, years of service, sector. Runs entirely in your browser. No login, no tracking of inputs. Best for India gratuity at exit. - [Growing Zone Frost Calculator](https://3tej.com/tools/growing-zone-frost-calculator): Typical first frost, last frost, and growing days by USDA zone. - [GST Calculator](https://3tej.com/tools/gst-calculator): GST Calculator computes GST amount, total with GST, reverse GST from pre-tax amount, GST rate. Runs entirely in your browser. No login, no tracking of inputs. Best for India GST calculation. - [GSTIN Validator](https://3tej.com/tools/gstin-validator): GSTIN Validator computes GST amount, total with GST, reverse GST from pre-tax amount, GST rate. Runs entirely in your browser. No login, no tracking of inputs. Best for India GST calculation. - [Half-Life Calculator](https://3tej.com/tools/half-life-calculator): N = N₀ × (½)^(t/T). Radioactive decay, drug clearance, isotopes. - [Headline Analyzer](https://3tej.com/tools/headline-analyzer): Headline Analyzer takes source text, target style, optional rules and returns the matching headline analyzer result. Runs entirely in your browser. No login, no tracking of inputs. - [Heat Index Calculator](https://3tej.com/tools/heat-index-calculator): Humidity makes heat worse. 95°F + 70% RH = 113°F feels-like. - [Helmet Size Calculator](https://3tej.com/tools/helmet-size-calculator): Convert head circumference to a helmet size letter. Works for bicycle, motorcycle, ski, and skate helmets. - [Hertz (Hz) to RPM Frequency Converter](https://3tej.com/tools/hertz-to-rpm-converter): Hz to RPM, motor speed, hearing range, musical pitch A4 440 Hz, CPU GHz hertz (hz) to rpm frequency converter free 3tej calculator - [Hike Calculator](https://3tej.com/tools/hike-calculator): Compare current CTC vs new offer. See how much in-hand actually changes. - [Home Buyers Plan (HBP) Calculator](https://3tej.com/tools/hbp-home-buyers-plan-calculator): Home Buyers Plan (HBP) Calculator is a free ca real estate calculator that gives you a deterministic answer for home buyers plan (hbp) questions. Runs entirely in your browser. No login, no tracking of inputs. - [Home Seller Net Proceeds](https://3tej.com/tools/home-seller-net-proceeds-calculator): Sale - mortgage - commissions - closing - taxes = your check. - [Horsepower to Kilowatts Power Converter](https://3tej.com/tools/horsepower-to-kilowatts): hp to kW, mechanical metric horsepower, Tesla Plaid, brake horsepower BHP horsepower to kilowatts power converter free 3tej calculator - [Hotel Total Cost Calculator](https://3tej.com/tools/hotel-total-cost-calculator): Nightly rate + tax + resort fee + parking = real total. - [Hours Calculator](https://3tej.com/tools/hours-calculator): Hours and minutes between two times. Optional break deduction. - [Hours to Seconds/Minutes Converter](https://3tej.com/tools/hours-to-seconds): hours to seconds, work day, podcast length, light minute hours to seconds/minutes converter free 3tej calculator - [Hours Worked Calculator](https://3tej.com/tools/hours-worked-calculator): Add up shifts for the week. Overtime kicks in over 40 hr in US. - [HRA - Metro vs Non-Metro](https://3tej.com/tools/hra-cities): For HRA exemption (Sec 10(13A)), only 4 cities count as Metro for the 50% rule. - [HRA Exemption Calculator](https://3tej.com/tools/hra-exemption): HRA Exemption Calculator computes exempt HRA amount, taxable HRA from basic salary, HRA received, rent paid, city tier. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian HRA exemption. - [HSA Calculator](https://3tej.com/tools/hsa-calculator): HSA Calculator computes triple tax advantaged balance from annual contribution, age, return rate, withdrawal age. Runs entirely in your browser. No login, no tracking of inputs. Best for HSA projection and triple tax sequencing. - [HSA vs FSA Calculator](https://3tej.com/tools/hsa-vs-fsa-calculator): HSA vs FSA Calculator computes triple tax advantaged balance from annual contribution, age, return rate, withdrawal age. Runs entirely in your browser. No login, no tracking of inputs. Best for HSA projection and triple tax sequencing. - [HSA vs FSA: Triple-tax-advantaged HSA vs use-it-or-lose-it FSA - which healthcare account wins?](https://3tej.com/tools/hsa-vs-fsa): hsa vs fsa, hsa or fsa, which is better hsa or fsa, healthcare savings account comparison, fsa hsa differences hsa vs fsa: triple-tax-advantaged hsa vs use-it-or-lose-it fsa - which healthcare account wins? - [HTML Formatter](https://3tej.com/tools/html-formatter): HTML Formatter takes string, regex, format, count and returns the matching html formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [HTML Minifier](https://3tej.com/tools/html-minifier): HTML Minifier takes string, regex, format, count and returns the matching html minifier result. Runs entirely in your browser. No login, no tracking of inputs. - [HTTP Status Codes Reference](https://3tej.com/tools/http-status-codes): HTTP Status Codes Reference takes string, regex, format, count and returns the matching http status codes reference result. Runs entirely in your browser. No login, no tracking of inputs. - [Hydroponic Nutrient (EC/PPM)](https://3tej.com/tools/hydroponic-nutrient-calculator): EC = electrical conductivity. PPM = parts per million. Lettuce 600, tomato 1500. - [I-Bond / TIPS Calculator](https://3tej.com/tools/i-bond-tips-calculator): I-Bond / TIPS Calculator computes tip amount, total, per person from bill amount, tip percentage, party size. Runs entirely in your browser. No login, no tracking of inputs. Best for Restaurant tipping. - [Ideal Weight Calculator](https://3tej.com/tools/ideal-weight-calculator): 4 medical formulas (Devine, Robinson, Miller, Hamwi) compared. - [IDR / SAVE Student Loan Calculator](https://3tej.com/tools/idr-save-payment-calculator): IDR / SAVE Student Loan Calculator is a free us loans calculator that gives you a deterministic answer for idr / save student loan questions. Runs entirely in your browser. No login, no tracking of inputs. - [IFSC Code Lookup](https://3tej.com/tools/ifsc-lookup): Decode an IFSC code structure (Indian Financial System Code). - [Income from House Property](https://3tej.com/tools/house-property-income): A Income from House Property computes income from house property from the inputs you provide. - [Income Tax Calculator](https://3tej.com/tools/income-tax-calculator): Income Tax Calculator computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [Income Tax Slabs - Reference](https://3tej.com/tools/tax-slabs): Income Tax Slabs - Reference takes salary, HRA, 80C deductions, regime choice and returns the matching income tax slabs - reference result. Runs entirely in your browser. No login, no tracking of inputs. - [Indian Number Formatter](https://3tej.com/tools/indian-number-formatter): Indian Number Formatter computes indian-style lakhs/crores formatted string from number to format. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian number formatting. - [Inflation Adjusted Return](https://3tej.com/tools/inflation-adjusted-return): Inflation Adjusted Return computes inflation-adjusted future or past value from amount, inflation rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Real-purchasing-power comparison. - [Inflation Adjusted Returns Calculator](https://3tej.com/tools/inflation-adjusted-returns-calculator): Nominal returns include inflation; real returns subtract it. To know whether your investments are actually growing your purchasing power, calculate the real return. - [Inflation Calculator](https://3tej.com/tools/inflation-calculator): What will $1,000 today be worth in 20 years? - [Instagram Engagement Rate Calculator](https://3tej.com/tools/instagram-engagement-rate-calculator): (Likes + comments + saves) / followers × 100. >3 percent good, >6 percent excellent. - [Interest Rate Shock](https://3tej.com/tools/interest-rate-shock-calculator): Variable rate jumps 2 percent? Test impact on monthly payment. - [Intermittent Fasting Calculator](https://3tej.com/tools/intermittent-fasting-calculator): A Intermittent Fasting Calculator computes intermittent fasting from the inputs you provide. - [International GPA Converter](https://3tej.com/tools/gpa-converter-international): International GPA Converter takes habit, frequency, target and returns the matching international gpa result. Runs entirely in your browser. No login, no tracking of inputs. - [Invoice Late Fee Calculator](https://3tej.com/tools/invoice-late-fee-calculator): Late fee owed on a past-due invoice using flat, percentage, or both. - [IPv4 Subnet Calculator](https://3tej.com/tools/subnet-calculator): Network address, broadcast, host range, and host count from IP/CIDR. - [IR35 Inside vs Outside Calculator](https://3tej.com/tools/ir35-inside-vs-outside-calculator): IR35 Inside vs Outside Calculator is a free uk contractor calculator that gives you a deterministic answer for ir35 inside vs outside questions. Runs entirely in your browser. No login, no tracking of inputs. - [ISO / NSO Stock Options Tax](https://3tej.com/tools/iso-nso-stock-options-tax): ISO / NSO Stock Options Tax is a free us equity calculator that gives you a deterministic answer for iso / nso stock options tax questions. Runs entirely in your browser. No login, no tracking of inputs. - [ITR Form Selector](https://3tej.com/tools/itr-form-selector): ITR Form Selector takes salary, HRA, 80C deductions, regime choice and returns the matching itr form selector result. Runs entirely in your browser. No login, no tracking of inputs. - [IVF Cost Calculator](https://3tej.com/tools/ivf-cost-calculator): Average US IVF cycle: $15,000-25,000. Multi-cycle plans save 20-30%. - [JavaScript Formatter](https://3tej.com/tools/javascript-formatter): JavaScript Formatter takes string, regex, format, count and returns the matching javascript formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [JavaScript Keycode Finder](https://3tej.com/tools/javascript-keycode-finder): JavaScript Keycode Finder takes string, regex, format, count and returns the matching javascript keycode finder result. Runs entirely in your browser. No login, no tracking of inputs. - [JavaScript Minifier](https://3tej.com/tools/javascript-minifier): JavaScript Minifier takes string, regex, format, count and returns the matching javascript minifier result. Runs entirely in your browser. No login, no tracking of inputs. - [Jet Lag Recovery Calculator](https://3tej.com/tools/jet-lag-recovery-calculator): Eastward = harder. ~1 day per zone east, half day west. - [JSON Diff Checker](https://3tej.com/tools/json-diff-checker): JSON Diff Checker takes string, regex, format, count and returns the matching json diff checker result. Runs entirely in your browser. No login, no tracking of inputs. - [JSON Minifier](https://3tej.com/tools/json-minifier): JSON Minifier takes string, regex, format, count and returns the matching json minifier result. Runs entirely in your browser. No login, no tracking of inputs. - [Keto Macro Calculator](https://3tej.com/tools/keto-macro-calculator): 70% fat, 25% protein, 5% carbs daily targets. - [Kids Screen Time Calculator](https://3tej.com/tools/screen-time-calculator-kids): Kids Screen Time Calculator takes height, weight, age, sex, activity and returns the matching kids screen time result. Runs entirely in your browser. No login, no tracking of inputs. - [Kitchen Cabinet Cost Calculator](https://3tej.com/tools/kitchen-cabinet-cost-calculator): Kitchen Cabinet Cost Calculator takes ingredient quantity, servings, temperature and returns the matching kitchen cabinet cost result. Runs entirely in your browser. No login, no tracking of inputs. - [km/h to mph Converter](https://3tej.com/tools/kmh-to-mph-converter): km/h to mph Converter takes source value and source unit and returns the matching km/h to mph result. Runs entirely in your browser. No login, no tracking of inputs. - [kWh to Joules Energy Converter](https://3tej.com/tools/kilowatt-hours-to-joules): kWh to joules, electricity bill, Tesla battery, calorie kcal, solar panel kwh to joules energy converter free 3tej calculator - [Lab Test Cost Calculator](https://3tej.com/tools/lab-test-cost-calculator): Self-pay 50-80 percent cheaper at direct labs (Quest, LabCorp). - [Laundromat vs Home Washer](https://3tej.com/tools/laundromat-vs-home-cost-calculator): Per load: laundromat $4-6 vs home $1-2. Capital cost matters. - [Lease Buyout Calculator](https://3tej.com/tools/lease-buyout-calculator): Buyout vs market: arbitrage opportunity if market price > buyout. - [Leave Encashment](https://3tej.com/tools/leave-encashment): Leave Encashment computes encashment value, taxable portion from salary, leave balance, employment status. Runs entirely in your browser. No login, no tracking of inputs. Best for Leave encashment at exit. - [LED Series Resistor Calculator](https://3tej.com/tools/led-resistor-calculator): LED Series Resistor Calculator takes string, regex, format, count and returns the matching led series resistor result. Runs entirely in your browser. No login, no tracking of inputs. - [Life Expectancy Calculator](https://3tej.com/tools/life-expectancy-calculator): Plan for 90+. Healthcare, lifestyle, family history all matter. - [Line Counter](https://3tej.com/tools/line-counter): Line Counter takes source text, target style, optional rules and returns the matching line counter result. Runs entirely in your browser. No login, no tracking of inputs. - [Liters ↔ Gallons Converter](https://3tej.com/tools/liters-gallons-converter): A Liters ↔ Gallons Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [LTCG Calculator (FY 2025-26)](https://3tej.com/tools/ltcg-calculator): LTCG Calculator (FY 2025-26) takes salary, HRA, 80C deductions, regime choice and returns the matching ltcg calculator (fy 2025-26) result. Runs entirely in your browser. No login, no tracking of inputs. - [Lunar Phase Calculator](https://3tej.com/tools/lunar-phase-calculator): 29.53-day synodic cycle. Reference: Jan 6, 2000 = new moon. - [Macro Calculator (IIFYM)](https://3tej.com/tools/macro-calculator): Daily protein, carbs, fat from calorie target and goal preset. - [MAGI Calculator (Modified AGI)](https://3tej.com/tools/magi-modified-agi-calculator): MAGI Calculator (Modified AGI) takes filing status, wages, deductions, credits and returns the matching magi calculator (modified agi) result. Runs entirely in your browser. No login, no tracking of inputs. - [Marginal Tax Rate Calculator](https://3tej.com/tools/marginal-tax-rate): Your marginal tax rate is the rate you pay on the NEXT dollar of income. It is usually higher than your effective (average) rate because of progressive brackets. - [Mattress Size Comparison](https://3tej.com/tools/mattress-size-comparison-calculator): Twin → Full → Queen → King → California King. Bed for room. - [Mbps to MB/s Internet Speed Converter](https://3tej.com/tools/mbps-to-mbs-converter): Mbps MB/s, internet speed conversion, gigabit, 4K streaming, latency vs bandwidth mbps to mb/s internet speed converter free 3tej calculator - [Medicare IRMAA Calculator](https://3tej.com/tools/medicare-irmaa-calculator): Medicare IRMAA Calculator is a free us healthcare calculator that gives you a deterministic answer for medicare irmaa questions. Runs entirely in your browser. No login, no tracking of inputs. - [Medicare Part D Cost](https://3tej.com/tools/medicare-part-d-calculator): Medicare Part D Cost is a free us healthcare calculator that gives you a deterministic answer for medicare part d cost questions. Runs entirely in your browser. No login, no tracking of inputs. - [Menopause Symptom Score (MRS)](https://3tej.com/tools/menopause-symptom-calculator): A Menopause Symptom Calculator (MRS) computes menopause symptom calculator (mrs) from the inputs you provide. - [Merge PDF Files](https://3tej.com/tools/merge-pdf): Combine multiple PDF files into one PDF in your browser. Drop in order, click merge. Powered by pdf-lib. - [Meta Tag Analyzer](https://3tej.com/tools/meta-tag-analyzer): Meta Tag Analyzer is a free seo calculator that gives you a deterministic answer for meta tag analyzer questions. Runs entirely in your browser. No login, no tracking of inputs. - [Modulo Calculator](https://3tej.com/tools/modulo-calculator): a mod n = remainder when a is divided by n. - [Monthly Dating Cost Calculator](https://3tej.com/tools/dating-cost-monthly-calculator): See how much you spend on dating each month and how it adds up annually. - [Moving Cost Calculator](https://3tej.com/tools/moving-cost-calculator): DIY: $0.50-1.50/lb local · Movers: $1-2/lb local · Long distance double. - [Music Tempo (BPM) Calculator](https://3tej.com/tools/music-tempo-bpm-calculator): Music Tempo (BPM) Calculator takes project parameters or constraints and returns the matching music tempo (bpm) result. Runs entirely in your browser. No login, no tracking of inputs. - [Notes - free private notebook](https://3tej.com/notes): Notes - free private notebook is a free productivity calculator that gives you a deterministic answer for notes - free private notebook questions. Runs entirely in your browser. No login, no tracking of inputs. - [Notice Period Buyout](https://3tej.com/tools/notice-period): Cost of leaving early - what you pay (or new employer reimburses). - [Number Base Converter](https://3tej.com/tools/number-base-converter): Number Base Converter takes source value and source unit and returns the matching number base result. Runs entirely in your browser. No login, no tracking of inputs. - [Number Sequence Calculator](https://3tej.com/tools/number-sequence): Arithmetic progression (AP), geometric progression (GP), Fibonacci - terms + sum. - [Number to Indian Words](https://3tej.com/tools/number-to-words): Number to Indian Words computes number written in words, Indian English from number to convert. Runs entirely in your browser. No login, no tracking of inputs. Best for Cheque-writing or legal documents. - [OAS Clawback Calculator](https://3tej.com/tools/oas-clawback-calculator): OAS Clawback Calculator computes estimated BAC, time to sober from drinks consumed, weight, sex, hours since first drink. Runs entirely in your browser. No login, no tracking of inputs. Best for Blood alcohol estimate. - [Offer Comparison](https://3tej.com/tools/offer-comparison): Compare three job offers side-by-side. Includes tax, joining bonus, ESOPs. - [OG/FG Refractometer Calculator](https://3tej.com/tools/og-fg-refractometer-calculator): Refractometers read wrong after fermentation - alcohol throws them off. - [Oil Change Cost Calculator](https://3tej.com/tools/oil-change-cost-calculator): DIY: $30-50 · Quick lube: $30-90 · Dealer: $60-150. - [Old vs New Regime](https://3tej.com/tools/regime-comparator): Old vs New Regime computes tax under each regime, savings from choice from salary, deductions, exemptions. Runs entirely in your browser. No login, no tracking of inputs. Best for India tax regime choice. - [Open Graph Preview](https://3tej.com/tools/open-graph-preview): Open Graph Preview is a free seo calculator that gives you a deterministic answer for open graph preview questions. Runs entirely in your browser. No login, no tracking of inputs. - [Overtime Pay Calculator](https://3tej.com/tools/overtime-pay-calculator): Overtime Pay Calculator is a free career & income calculator that gives you a deterministic answer for overtime pay questions. Runs entirely in your browser. No login, no tracking of inputs. - [PAN Validator](https://3tej.com/tools/pan-validator): Validate PAN card format (10 chars: 5 letters + 4 digits + 1 letter). - [Pangram Solver](https://3tej.com/tools/pangram-solver): Pangram Solver is a free word lookup calculator that gives you a deterministic answer for pangram solver questions. Runs entirely in your browser. No login, no tracking of inputs. - [Parking Cost Calculator](https://3tej.com/tools/parking-cost-calculator): Compare daily hourly parking against a monthly pass. See which is cheaper and how much you save each month. - [Passport Renewal Cost Calculator](https://3tej.com/tools/passport-renewal-cost-calculator): A Passport Renewal Cost Calculator computes passport renewal cost from the inputs you provide. - [Password Strength Checker](https://3tej.com/tools/password-strength-checker): Password Strength Checker takes token quantity, price, fees, holding period and returns the matching password strength checker result. Runs entirely in your browser. No login, no tracking of inputs. - [Patreon Creator Income](https://3tej.com/tools/patreon-creator-income-calculator): Patreon takes 5-12% + payment fees. Net ~85% of patron $. - [PayPal Fee Calculator](https://3tej.com/tools/paypal-fee-calculator): 2.99% + $0.49 standard. International adds 1-3%. - [Payroll Calculator](https://3tej.com/tools/payroll-calculator): Calculate gross wages, employer payroll taxes, and net pay for your employees. - [PF Withdrawal Rules](https://3tej.com/tools/pf-withdrawal-rules): PF Withdrawal Rules takes salary, HRA, 80C deductions, regime choice and returns the matching pf withdrawal rules result. Runs entirely in your browser. No login, no tracking of inputs. - [PIN Code Decoder](https://3tej.com/tools/pin-lookup): Decode 6-digit India Postal Index Number structure. - [Pixel Density (PPI) Calculator](https://3tej.com/tools/pixel-density-ppi-calculator): PPI = √(W² + H²) / diagonal. Retina = 220+ PPI typical. - [Pizza Size Value Calculator](https://3tej.com/tools/pizza-size-value-calculator): Compare $ per square inch. 14" $15 vs 18" $19 = better deal. - [Portfolio Rebalancing Calculator](https://3tej.com/tools/portfolio-rebalancing-calculator): Portfolio rebalancing means selling some of what has grown above target and buying more of what has fallen below, to maintain your intended asset allocation. - [Pre-Medicare Healthcare Cost](https://3tej.com/tools/healthcare-pre-medicare-calculator): Pre-Medicare Healthcare Cost is a free us healthcare calculator that gives you a deterministic answer for pre-medicare healthcare cost questions. Runs entirely in your browser. No login, no tracking of inputs. - [Precise Grams ↔ Ounces Converter](https://3tej.com/tools/grams-to-ounces-precise): grams to ounces, cup of flour grams, gold troy ounce, kitchen scale precise grams ↔ ounces converter free 3tej calculator - [Precise Miles ↔ Kilometers Converter](https://3tej.com/tools/miles-to-kilometers-precise): miles to km, road distance, marathon 26.2, mph to km/h, international mile precise miles ↔ kilometers converter free 3tej calculator - [Present Value Calculator](https://3tej.com/tools/present-value-calculator): Present Value Calculator takes contribution, return, time horizon, inflation and returns the matching present value result. Runs entirely in your browser. No login, no tracking of inputs. - [Probability Calculator](https://3tej.com/tools/probability-calculator): P(A and B), P(A or B), P(A | B) - all in one tool. - [Profit Margin / Markup](https://3tej.com/tools/margin-calculator): Profit Margin / Markup takes MRR, ARR, churn, customer count and returns the matching profit margin / markup result. Runs entirely in your browser. No login, no tracking of inputs. - [Property Management Fee Calculator](https://3tej.com/tools/property-management-fee-calculator): Typical: 8-12% of rent + leasing fee + maintenance markup. - [PSLF Calculator](https://3tej.com/tools/pslf-calculator): PSLF Calculator computes months to forgiveness, lifetime cost from income, family size, balance, qualifying payments made. Runs entirely in your browser. No login, no tracking of inputs. Best for PSLF eligibility and timeline. - [PTO Accrual Calculator](https://3tej.com/tools/pto-accrual-calculator): Hours per pay period × pay periods = annual days. Cap at use-it-or-lose-it. - [px / rem / em Converter](https://3tej.com/tools/px-rem-em-converter): A px / rem / em Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [QBI Deduction Calculator (Section 199A)](https://3tej.com/tools/qualified-business-income-deduction-calculator): QBI Deduction Calculator (Section 199A) takes filing status, wages, deductions, credits and returns the matching qbi deduction calculator (section 199a) result. Runs entirely in your browser. No login, no tracking of inputs. - [Quarterly Estimated Tax Calculator](https://3tej.com/tools/quarterly-estimated-tax-calculator): Quarterly Estimated Tax Calculator takes filing status, wages, deductions, credits and returns the matching quarterly estimated tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Quebec QPP vs CPP Comparison](https://3tej.com/tools/quebec-qpp-vs-cpp-comparison): Quebec QPP vs CPP Comparison is a free ca retirement calculator that gives you a deterministic answer for quebec qpp vs cpp comparison questions. Runs entirely in your browser. No login, no tracking of inputs. - [Reading Speed Calculator](https://3tej.com/tools/reading-speed-calculator): Avg adult: 200-300 wpm. Speed-readers 600+. Comprehension matters. - [Reading Time Calculator](https://3tej.com/tools/reading-time-calculator): Reading Time Calculator takes source text, target style, optional rules and returns the matching reading time result. Runs entirely in your browser. No login, no tracking of inputs. - [Relocation Cost Calculator](https://3tej.com/tools/relocation-cost-calculator): Movers + travel + housing transition + first-month deposits = full cost. - [Remove Duplicate Lines](https://3tej.com/tools/remove-duplicate-lines): Remove Duplicate Lines takes source text, target style, optional rules and returns the matching remove duplicate lines result. Runs entirely in your browser. No login, no tracking of inputs. - [Remove Empty Lines](https://3tej.com/tools/remove-empty-lines): Remove Empty Lines takes source text, target style, optional rules and returns the matching remove empty lines result. Runs entirely in your browser. No login, no tracking of inputs. - [Remove Line Breaks](https://3tej.com/tools/remove-line-breaks): Remove Line Breaks takes source text, target style, optional rules and returns the matching remove line breaks result. Runs entirely in your browser. No login, no tracking of inputs. - [Rent Receipt Generator](https://3tej.com/tools/rent-receipt): Rent Receipt Generator takes format and optional constraints and returns the matching rent receipt generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Resistor Color Code Calculator](https://3tej.com/tools/resistor-color-code-calculator): Resistor Color Code Calculator takes string, regex, format, count and returns the matching resistor color code result. Runs entirely in your browser. No login, no tracking of inputs. - [Restaurant Bill Split](https://3tej.com/tools/restaurant-bill-split-calculator): Restaurant Bill Split takes habit, frequency, target and returns the matching restaurant bill split result. Runs entirely in your browser. No login, no tracking of inputs. - [Rideshare vs Car Ownership](https://3tej.com/tools/rideshare-vs-car-ownership-calculator): A Rideshare vs Car Ownership Calculator computes rideshare vs car ownership from the inputs you provide. - [Ring Size Converter](https://3tej.com/tools/ring-size-converter): A Ring Size Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [RMD Calculator](https://3tej.com/tools/rmd-calculator): RMD Calculator takes filing status, wages, deductions, credits and returns the matching rmd result. Runs entirely in your browser. No login, no tracking of inputs. - [Roast Time Calculator](https://3tej.com/tools/roast-time-calculator): Calculate perfect roast cooking times for beef, pork, chicken, turkey, and lamb based on weight and desired doneness. - [Rotate and Flip Image](https://3tej.com/tools/rotate-image): Rotate an image 90 / 180 / 270 degrees and optionally flip horizontally or vertically. - [RSU Tax Calculator](https://3tej.com/tools/rsu-tax-calculator): At vest: ordinary income tax. At sale: capital gains on appreciation. - [Rule of 115 (Tripling)](https://3tej.com/tools/rule-of-115-tripling-calculator): 115 / rate% = years to triple money. Quick mental. - [Running Economy Calculator](https://3tej.com/tools/running-economy-calculator): Estimate running economy in ml O2 per kg per km. - [Sales Commission Calculator](https://3tej.com/tools/sales-commission-calculator): Commission earned including accelerator above quota and effective payout rate. - [Sales Tax / VAT Calculator](https://3tej.com/tools/sales-tax-calculator): Pre-tax + rate = total. Or back out tax from total. - [Scientific Calculator](https://3tej.com/tools/scientific-calculator): Scientific Calculator computes evaluated numeric result from expression with operators and functions. Runs entirely in your browser. No login, no tracking of inputs. Best for Multi-step calculations. - [Screen Resolution Comparison](https://3tej.com/tools/screen-resolution-comparison-calculator): A Screen Resolution Comparison computes screen resolution comparison from the inputs you provide. - [Seconds to Minutes/Hours/Days Converter](https://3tej.com/tools/seconds-to-minutes): seconds minutes hours, video duration, atomic clock, sexagesimal seconds to minutes/hours/days converter free 3tej calculator - [Section 179 Deduction Calculator](https://3tej.com/tools/section-179-deduction-calculator): A Section 179 Deduction Calculator computes section 179 deduction from the inputs you provide. - [Self-Employment Tax Calculator](https://3tej.com/tools/self-employment-tax-calculator): Self-Employment Tax Calculator takes filing status, wages, deductions, credits and returns the matching self-employment tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Sentence Case Converter](https://3tej.com/tools/sentence-case-converter): Sentence Case Converter takes source text, target style, optional rules and returns the matching sentence case result. Runs entirely in your browser. No login, no tracking of inputs. - [SEO Title + Meta Length](https://3tej.com/tools/seo-meta-length-calculator): SEO Title + Meta Length is a free seo calculator that gives you a deterministic answer for seo title + meta length questions. Runs entirely in your browser. No login, no tracking of inputs. - [Shed Cost Calculator](https://3tej.com/tools/shed-cost-calculator): Budget your shed build with size, material, and foundation choices. - [Shoe Size Converter](https://3tej.com/tools/shoe-size-converter): A Shoe Size Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Should I Relocate? Decision Matrix 2026](https://3tej.com/tools/should-i-relocate-decision-matrix): should I relocate 2026, geographic arbitrage, COL, tax domicile, expat decision matrix should i relocate? - [Shower Water Cost Calculator](https://3tej.com/tools/shower-water-cost-calculator): 2.5 GPM × 10 min = 25 gal × $0.005 = $0.125 per shower. - [Ski Difficulty Converter](https://3tej.com/tools/ski-difficulty-converter): A Ski Difficulty Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Smoking Cost Calculator](https://3tej.com/tools/smoking-cost-calculator): Pack a day for 30 years = $80,000+ direct + $200K+ if invested. - [Social Security Benefit Calculator](https://3tej.com/tools/social-security-benefit-calculator): A Social Security Benefit Calculator computes social security benefit from the inputs you provide. - [Social Security Claiming Age](https://3tej.com/tools/social-security-claiming-age): Social Security Claiming Age takes contribution, return, time horizon, inflation and returns the matching social security claiming age result. Runs entirely in your browser. No login, no tracking of inputs. - [Social Security Spousal Benefit](https://3tej.com/tools/social-security-spousal-calculator): Up to 50% of higher earner's benefit. Or own benefit if higher. - [Sod Calculator](https://3tej.com/tools/sod-calculator): Sod Calculator takes length, area, volume, material rate and returns the matching sod result. Runs entirely in your browser. No login, no tracking of inputs. - [Soffit + Fascia Calculator](https://3tej.com/tools/soffit-fascia-calculator): Estimate soffit material, fascia linear feet, and fasteners. - [Solar Angle Calculator](https://3tej.com/tools/solar-angle-calculator): Calculate the optimal solar panel tilt angle for your latitude. Seasonal adjustments for maximum energy. - [Solar Panel Tilt Angle](https://3tej.com/tools/solar-tilt-angle-calculator): Solar Panel Tilt Angle is a free climate & ecology calculator that gives you a deterministic answer for solar panel tilt angle questions. Runs entirely in your browser. No login, no tracking of inputs. - [Solar vs Utility Calculator](https://3tej.com/tools/solar-vs-utility-calculator): Solar pays back in 6-10 yrs. Utility just rises. Long-term solar wins. - [Special Characters](https://3tej.com/tools/special-characters): Special Characters takes source text, target style, optional rules and returns the matching special characters result. Runs entirely in your browser. No login, no tracking of inputs. - [Speeding Ticket Cost Calculator](https://3tej.com/tools/speeding-ticket-cost-calculator): A Speeding Ticket Cost Calculator computes speeding ticket cost from the inputs you provide. - [Split PDF by Page Range](https://3tej.com/tools/split-pdf): Split a PDF by page range - extract pages 1-3, 5, 7-10 into one PDF or separate files. - [SQL Formatter / Beautifier](https://3tej.com/tools/sql-formatter): SQL Formatter / Beautifier takes string, regex, format, count and returns the matching sql formatter / beautifier result. Runs entirely in your browser. No login, no tracking of inputs. - [Square Feet to Square Meters Converter](https://3tej.com/tools/sqft-to-sqm-converter): Square Feet to Square Meters Converter takes source value and source unit and returns the matching square feet to square meters result. Runs entirely in your browser. No login, no tracking of inputs. - [SS Earnings Test Calculator](https://3tej.com/tools/social-security-earnings-test-calculator): Earn over $23,400 (2025) before FRA? $1 deducted per $2 over. - [Standard Deduction History](https://3tej.com/tools/standard-deduction-history): Year-wise standard deduction for salaried employees (Sec 16(ia)). - [Statistics Calculator](https://3tej.com/tools/statistics-calculator): Statistics Calculator computes mean, median, mode, std dev, variance, range from numeric dataset (comma or newline separated). Runs entirely in your browser. No login, no tracking of inputs. Best for Quick stats on a dataset. - [Statutory Bonus](https://3tej.com/tools/statutory-bonus): Statutory Bonus takes salary, HRA, 80C deductions, regime choice and returns the matching statutory bonus result. Runs entirely in your browser. No login, no tracking of inputs. - [STCG Calculator (FY 2025-26)](https://3tej.com/tools/stcg-calculator): STCG Calculator (FY 2025-26) takes salary, HRA, 80C deductions, regime choice and returns the matching stcg calculator (fy 2025-26) result. Runs entirely in your browser. No login, no tracking of inputs. - [Step-up Basis Calculator](https://3tej.com/tools/step-up-basis-calculator): Inherit asset? Cost basis = value at death. Massive tax savings. - [Stock Options Tax Calculator](https://3tej.com/tools/stock-options-tax-calculator): Stock Options Tax Calculator takes filing status, wages, deductions, credits and returns the matching stock options tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Stock Split Calculator](https://3tej.com/tools/stock-split-calculator): Stock Split Calculator takes contribution, return, time horizon, inflation and returns the matching stock split result. Runs entirely in your browser. No login, no tracking of inputs. - [Stripe Fee Calculator](https://3tej.com/tools/stripe-fee-calculator): Stripe Fee Calculator takes MRR, ARR, churn, customer count and returns the matching stripe fee result. Runs entirely in your browser. No login, no tracking of inputs. - [Subscription Audit Calculator](https://3tej.com/tools/subscription-audit-calculator): Average household: $237/month in subscriptions. Most could cut 30%. - [Sukanya Samriddhi Yojana (SSY)](https://3tej.com/tools/ssy-calculator): Sukanya Samriddhi Yojana (SSY) takes salary, HRA, 80C deductions, regime choice and returns the matching sukanya samriddhi yojana (ssy) result. Runs entirely in your browser. No login, no tracking of inputs. - [Summer Camp Cost Calculator](https://3tej.com/tools/summer-camp-cost-calculator): Plan a summer camp budget with day or overnight pricing, tier, and a sibling discount. - [Sweat Rate Calculator](https://3tej.com/tools/sweat-rate-calculator): Pre-weight + fluid intake - post-weight = sweat lost (in mL). - [T1135 Foreign Property Calculator](https://3tej.com/tools/t1135-foreign-property-calculator): T1135 Foreign Property Calculator takes income, province, RRSP, TFSA contributions and returns the matching t1135 foreign property result. Runs entirely in your browser. No login, no tracking of inputs. - [Tax Refund Spending Calculator](https://3tej.com/tools/tax-refund-spending-calculator): Pay debt > Roth IRA > emergency fund > spend. - [Tax-Loss Harvesting Calculator](https://3tej.com/tools/tax-loss-harvesting-calculator): $3K of harvested losses offsets ordinary income - extra carries forward. - [Taxi vs Rideshare Calculator](https://3tej.com/tools/taxi-vs-rideshare-calculator): Surge pricing can flip the math instantly. - [TCS on Foreign Remittance (LRS)](https://3tej.com/tools/tcs-remittance): TCS on Foreign Remittance (LRS) takes home price, down payment, rate, term, taxes and returns the matching tcs on foreign remittance (lrs) result. Runs entirely in your browser. No login, no tracking of inputs. - [Tea Steep Time Calculator](https://3tej.com/tools/tea-steep-calculator): Right water temp and steep time for every tea type. - [Texas Hold'em Pre-Flop Odds](https://3tej.com/tools/texas-holdem-odds-calculator): A Texas Hold'em Odds Calculator computes texas hold'em odds from the inputs you provide. - [Text Case Converter](https://3tej.com/tools/text-case-converter): Text Case Converter takes source text, target style, optional rules and returns the matching text case result. Runs entirely in your browser. No login, no tracking of inputs. - [Text Emoticons](https://3tej.com/tools/text-emoticons): Text Emoticons takes source text, target style, optional rules and returns the matching text emoticons result. Runs entirely in your browser. No login, no tracking of inputs. - [Text Repeater](https://3tej.com/tools/text-repeater): Text Repeater takes source value and source unit and returns the matching text repeater result. Runs entirely in your browser. No login, no tracking of inputs. - [Text Symbols](https://3tej.com/tools/text-symbols): Text Symbols takes source text, target style, optional rules and returns the matching text symbols result. Runs entirely in your browser. No login, no tracking of inputs. - [Text to Binary Converter](https://3tej.com/tools/text-to-binary): Text to Binary Converter takes source value and source unit and returns the matching text to binary result. Runs entirely in your browser. No login, no tracking of inputs. - [Text to Decimal Converter](https://3tej.com/tools/text-to-decimal): Text to Decimal Converter takes source value and source unit and returns the matching text to decimal result. Runs entirely in your browser. No login, no tracking of inputs. - [Text to Hex Converter](https://3tej.com/tools/text-to-hex): Text to Hex Converter takes source value and source unit and returns the matching text to hex result. Runs entirely in your browser. No login, no tracking of inputs. - [Thanksgiving Turkey Size Calculator](https://3tej.com/tools/thanksgiving-turkey-size-calculator): A Thanksgiving Turkey Size Calculator computes thanksgiving turkey size from the inputs you provide. - [TikTok Creator Fund Calculator](https://3tej.com/tools/tiktok-creator-fund-calculator): $0.02-0.04 per 1,000 views (low). Brand deals + lives + shop pay much more. - [Time Calculator](https://3tej.com/tools/time-calculator): Add or subtract hours, minutes, seconds with carry handling. - [Time Card / Timesheet Calculator](https://3tej.com/tools/time-card-calculator): Time Card / Timesheet Calculator is a free work calculator that gives you a deterministic answer for time card / timesheet questions. Runs entirely in your browser. No login, no tracking of inputs. - [Timestamp](https://3tej.com/tools/timestamp): Hash + timestamp any file. Save a receipt as JSON. - [Tip Pool Calculator](https://3tej.com/tools/tip-pool-calculator): Tip Pool Calculator computes tip amount, total, per person from bill amount, tip percentage, party size. Runs entirely in your browser. No login, no tracking of inputs. Best for Restaurant tipping. - [Tournament Bracket Calculator](https://3tej.com/tools/single-elimination-bracket-calculator): N players → N-1 matches. log₂(N) rounds. Power of 2 ideal. - [Towing Capacity Calculator](https://3tej.com/tools/towing-capacity-calculator): GCWR - vehicle curb - cargo - passengers = real tow capacity. - [Train vs Fly Calculator](https://3tej.com/tools/train-vs-fly-calculator): Door-to-door time often beats raw flight time. - [Travel Points Value](https://3tej.com/tools/travel-rewards-points-value-calculator): Value per point varies. Premium cabin transfers: 2-5¢/point. - [Tree Pruning Time Calculator](https://3tej.com/tools/tree-pruning-time-calculator): Estimated hours and total cost to prune one or more trees. - [TSA PreCheck vs Global Entry](https://3tej.com/tools/tsa-precheck-vs-global-entry-calculator): A TSA PreCheck vs Global Entry Calculator computes tsa precheck vs global entry from the inputs you provide. - [TypeScript Formatter](https://3tej.com/tools/typescript-formatter): TypeScript Formatter takes string, regex, format, count and returns the matching typescript formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [Uber/Lyft Driver Earnings](https://3tej.com/tools/uber-driver-earnings-calculator): Hourly gross - gas - depreciation - tax = real $/hour. - [UK NHS Alcohol Units Calculator](https://3tej.com/tools/alcohol-units-calculator): UK NHS Alcohol Units Calculator is a free uk health calculator that gives you a deterministic answer for uk nhs alcohol units questions. Runs entirely in your browser. No login, no tracking of inputs. - [URL Parser](https://3tej.com/tools/url-parser): URL Parser takes string, regex, format, count and returns the matching url parser result. Runs entirely in your browser. No login, no tracking of inputs. - [US College Affordability Matcher 2026](https://3tej.com/tools/us-college-affordability-matcher): US College Affordability Matcher 2026 is a free us education calculator that gives you a deterministic answer for us college affordability matcher 2026 questions. Runs entirely in your browser. No login, no tracking of inputs. - [US Estate Tax Calculator](https://3tej.com/tools/estate-tax-calculator): US Estate Tax Calculator takes filing status, wages, deductions, credits and returns the matching us estate tax result. Runs entirely in your browser. No login, no tracking of inputs. - [User Agent Parser](https://3tej.com/tools/user-agent-parser): User Agent Parser takes string, regex, format, count and returns the matching user agent parser result. Runs entirely in your browser. No login, no tracking of inputs. - [UV Index + Sunscreen Calculator](https://3tej.com/tools/uv-index-sunscreen-calculator): UV 6+ = high risk. Reapply SPF 30+ every 2 hours outdoors. - [Variable Withdrawal (VPW)](https://3tej.com/tools/variable-withdrawal-calculator): Adjust withdrawal up/down with portfolio. Avoids sequence risk. - [VAT Calculator](https://3tej.com/tools/vat-calculator): VAT (Value Added Tax) is a consumption tax added to goods and services in most countries except the US. Calculate the VAT portion of a gross price or add VAT to a net price. - [VDOT Running Calculator (Daniels)](https://3tej.com/tools/vdot-running-calculator): Jack Daniels' VDOT predicts paces from race time. Train at 88% E, 95% T. - [Vegetable Garden Yield Calculator](https://3tej.com/tools/vegetable-garden-yield-calculator): Vegetable Garden Yield Calculator takes project parameters or constraints and returns the matching vegetable garden yield result. Runs entirely in your browser. No login, no tracking of inputs. - [Verify Timestamp](https://3tej.com/tools/verify-timestamp): Re-hash a file and compare to a timestamp receipt. - [Vesting Schedule Calculator](https://3tej.com/tools/vesting-calculator): Shares vested today plus a month-by-month schedule for any plan. - [Vitamin B12 Calculator](https://3tej.com/tools/vitamin-b12-calculator): Find your daily vitamin B12 RDA by age, life stage, and dietary pattern. - [Vitamin D Dose Calculator](https://3tej.com/tools/vitamin-d-dose-calculator): Most adults need 1,000-4,000 IU/day to reach optimal 30-50 ng/mL. - [Water Heater Cost Calculator](https://3tej.com/tools/water-heater-cost-calculator): Tank: $1,000-2,500 · Tankless: $2,000-5,000 · Heat pump: $2,500-4,500. - [Watts to Amps Calculator](https://3tej.com/tools/watts-to-amps-calculator): A Watts to Amps converts Watts into Amps directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. Free, in-browser, no signup. - [Wedding Photographer Cost Calculator](https://3tej.com/tools/wedding-photographer-cost-calculator): A Wedding Photographer Cost Calculator computes wedding photographer cost from the inputs you provide. - [Weeks Between Two Dates Calculator](https://3tej.com/tools/weeks-between-dates-calculator): weeks between dates, pregnancy weeks, agile sprints, project planning weeks between two dates calculator free 3tej calculator - [Weight Loss Plateau Calculator](https://3tej.com/tools/weight-loss-plateau-calculator): Recalculate TDEE and find a new deficit to break the stall. - [Wind Chill Calculator](https://3tej.com/tools/wind-chill-calculator): Wind makes cold worse. -20°F + 30 mph = -47°F feels-like. - [Wingdings Translator](https://3tej.com/tools/wingdings-translator): Wingdings Translator takes source text, target style, optional rules and returns the matching wingdings translator result. Runs entirely in your browser. No login, no tracking of inputs. - [Word Finder](https://3tej.com/tools/word-finder): Word Finder is a free word lookup calculator that gives you a deterministic answer for word finder questions. Runs entirely in your browser. No login, no tracking of inputs. - [XML Formatter](https://3tej.com/tools/xml-formatter): XML Formatter takes string, regex, format, count and returns the matching xml formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [XML to JSON Converter](https://3tej.com/tools/xml-to-json-converter): XML to JSON Converter takes string, regex, format, count and returns the matching xml to json result. Runs entirely in your browser. No login, no tracking of inputs. - [YAML Formatter](https://3tej.com/tools/yaml-formatter): YAML Formatter takes string, regex, format, count and returns the matching yaml formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [YouTube Revenue Calculator](https://3tej.com/tools/youtube-revenue-calculator): Views × RPM ÷ 1000 = estimated earnings. - [π Pi Memorization](https://3tej.com/tools/pi-memorization): Recite pi. Test mode hides digits, you type from memory. ## Generator (57 tools) > Password, slug, lorem-ipsum, UUID, QR, and other one-shot value generators. - [🎨 Color Palette Generator](https://3tej.com/tools/palette-generator): 🎨 Color Palette Generator takes format and optional constraints and returns the matching 🎨 color palette generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Barcode Generator](https://3tej.com/tools/barcode-generator): Barcode Generator computes rendered barcode (SVG/PNG) from string to encode, symbology. Runs entirely in your browser. No login, no tracking of inputs. Best for Generating a barcode. - [Bcrypt Password Hash Generator](https://3tej.com/tools/bcrypt-generator): Bcrypt Password Hash Generator takes token quantity, price, fees, holding period and returns the matching bcrypt password hash generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Bold Text Generator](https://3tej.com/tools/bold-text-generator): Bold Text Generator takes source text, target style, optional rules and returns the matching bold text generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Book Title Generator](https://3tej.com/tools/book-title-generator): Book Title Generator takes source text, target style, optional rules and returns the matching book title generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Bubble Text Generator](https://3tej.com/tools/bubble-text-generator): Bubble Text Generator takes source text, target style, optional rules and returns the matching bubble text generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Character Name Generator](https://3tej.com/tools/character-name-generator): Character Name Generator takes format and optional constraints and returns the matching character name generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Cover Letter Generator](https://3tej.com/tools/cover-letter-generator): A Cover Letter Generator produces a cover letter on demand, using a deterministic algorithm or a cryptographically strong random source. Output is generated entirely in your browser so nothing is sent to a server. - [Cron Expression Generator](https://3tej.com/tools/cron-expression-generator): Cron Expression Generator takes string, regex, format, count and returns the matching cron expression generator result. Runs entirely in your browser. No login, no tracking of inputs. - [CSS Gradient Generator](https://3tej.com/tools/css-gradient-generator): CSS Gradient Generator takes string, regex, format, count and returns the matching css gradient generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Essay Title Generator](https://3tej.com/tools/essay-title-generator): Essay Title Generator takes source text, target style, optional rules and returns the matching essay title generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Fortune Cookie Generator](https://3tej.com/tools/fortune-cookie-generator): Fortune Cookie Generator takes format and optional constraints and returns the matching fortune cookie generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Hash Generator](https://3tej.com/tools/hash-generator): Hash Generator takes token quantity, price, fees, holding period and returns the matching hash generator result. Runs entirely in your browser. No login, no tracking of inputs. - [HTTP Basic Auth Header Generator](https://3tej.com/tools/basic-auth-generator): HTTP Basic Auth Header Generator takes token quantity, price, fees, holding period and returns the matching http basic auth header generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Invisible Character Generator](https://3tej.com/tools/invisible-character-generator): Invisible Character Generator takes source text, target style, optional rules and returns the matching invisible character generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Lenny Face Generator](https://3tej.com/tools/lenny-face-generator): Lenny Face Generator takes source text, target style, optional rules and returns the matching lenny face generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Lorem Ipsum Generator](https://3tej.com/tools/lorem-ipsum): Lorem Ipsum Generator takes format and optional constraints and returns the matching lorem ipsum generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Paper Generator](https://3tej.com/tools/paper-generator): Paper Generator takes format and optional constraints and returns the matching paper generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Password Generator](https://3tej.com/tools/password-generator): Password Generator takes format and optional constraints and returns the matching password generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Poem Title Generator](https://3tej.com/tools/poem-title-generator): Poem Title Generator takes source text, target style, optional rules and returns the matching poem title generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Pokemon Name Generator](https://3tej.com/tools/pokemon-name-generator): Pokemon Name Generator takes format and optional constraints and returns the matching pokemon name generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Address Generator](https://3tej.com/tools/random-address-generator): Random Address Generator takes format and optional constraints and returns the matching random address generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Adjective Generator](https://3tej.com/tools/random-adjective-generator): Random Adjective Generator takes format and optional constraints and returns the matching random adjective generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Color Generator](https://3tej.com/tools/random-color-generator): Random Color Generator takes format and optional constraints and returns the matching random color generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Country Flag Generator](https://3tej.com/tools/random-flag-generator): random flag generator, random country flag, flag picker random country flag generator - free, browser-only, no signup free random country flag generator. - [Random Country Generator](https://3tej.com/tools/random-country-generator): random country, random country picker, random nation, pick a country, world country generator random country generator free random country generator. - [Random Date Generator](https://3tej.com/tools/random-date-generator): Random Date Generator takes format and optional constraints and returns the matching random date generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Emoji Generator](https://3tej.com/tools/random-emoji-generator): Random Emoji Generator takes format and optional constraints and returns the matching random emoji generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random IP Address Generator](https://3tej.com/tools/random-ip-generator): Random IP Address Generator takes format and optional constraints and returns the matching random ip address generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Last Name Generator](https://3tej.com/tools/random-lastname-generator): Random Last Name Generator takes format and optional constraints and returns the matching random last name generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Letter Generator](https://3tej.com/tools/random-letter-generator): Random Letter Generator takes format and optional constraints and returns the matching random letter generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random MAC Address Generator](https://3tej.com/tools/random-mac-generator): Random MAC Address Generator takes format and optional constraints and returns the matching random mac address generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Month Generator](https://3tej.com/tools/random-month-generator): Random Month Generator takes format and optional constraints and returns the matching random month generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Movie Generator](https://3tej.com/tools/random-movie-generator): random movie, what to watch, movie picker, random film generator, cant decide what to watch random movie generator free random movie picker. - [Random Name Picker](https://3tej.com/tools/random-name-picker): Random Name Picker takes format and optional constraints and returns the matching random name picker result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Noun Generator](https://3tej.com/tools/random-noun-generator): Random Noun Generator takes format and optional constraints and returns the matching random noun generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Number Generator](https://3tej.com/tools/random-number-generator): Random Number Generator takes format and optional constraints and returns the matching random number generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Password Generator](https://3tej.com/tools/random-password-generator): Random Password Generator takes format and optional constraints and returns the matching random password generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Port Number Generator](https://3tej.com/tools/random-port-generator): Random Port Number Generator takes format and optional constraints and returns the matching random port number generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Sentence Generator](https://3tej.com/tools/sentence-generator): Generate any number of random English example sentences from a built-in corpus. Useful for mockups, typing tests, and prompts. - [Random String Generator](https://3tej.com/tools/random-string-generator): Random String Generator takes format and optional constraints and returns the matching random string generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Token Generator](https://3tej.com/tools/random-token-generator): Random Token Generator takes token quantity, price, fees, holding period and returns the matching random token generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random US State Generator](https://3tej.com/tools/random-state-generator): random state, random us state, pick a state, us state generator random us state generator free random us state picker. - [Random Verb Generator](https://3tej.com/tools/random-verb-generator): Random Verb Generator takes format and optional constraints and returns the matching random verb generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Word Generator](https://3tej.com/tools/random-word-generator): Random Word Generator takes format and optional constraints and returns the matching random word generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Random Year Generator](https://3tej.com/tools/random-year-generator): Random Year Generator takes format and optional constraints and returns the matching random year generator result. Runs entirely in your browser. No login, no tracking of inputs. - [RSA Key Pair Generator](https://3tej.com/tools/rsa-key-generator): RSA Key Pair Generator takes token quantity, price, fees, holding period and returns the matching rsa key pair generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Schema Markup Generator](https://3tej.com/tools/schema-markup-generator): Schema Markup Generator is a free seo calculator that gives you a deterministic answer for schema markup generator questions. Runs entirely in your browser. No login, no tracking of inputs. - [Small Caps Generator](https://3tej.com/tools/small-caps-generator): small caps, small caps generator, unicode small caps, tiny caps text, small capitals small caps generator free small caps generator. - [Strikethrough Text Generator](https://3tej.com/tools/strikethrough-text-generator): strikethrough text, cross out text, underline text generator, unicode strikethrough, wavy text strikethrough text generator free strikethrough text generator. - [Strong Password Generator](https://3tej.com/tools/strong-password-generator): Generate cryptographically strong passwords (length 8 to 64). Choose character sets, exclude ambiguous characters, see entropy. - [Superscript & Subscript Generator](https://3tej.com/tools/superscript-generator): Superscript & Subscript Generator takes source text, target style, optional rules and returns the matching superscript & subscript generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Text Hash Generator (MD5, SHA-1, SHA-256, SHA-384, SHA-512)](https://3tej.com/tools/text-hash-generator): Text Hash Generator (MD5, SHA-1, SHA-256, SHA-384, SHA-512) takes token quantity, price, fees, holding period and returns the matching text hash generator (md5, sha-1, sha-256, sha-384, sha-512) result. Runs entirely in your browser. No login, no tracking of inputs. - [URL Slug Generator](https://3tej.com/tools/slug-generator): URL Slug Generator takes string, regex, format, count and returns the matching url slug generator result. Runs entirely in your browser. No login, no tracking of inputs. - [UUID Generator](https://3tej.com/tools/uuid-generator): UUID Generator takes string, regex, format, count and returns the matching uuid generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Yes or No Generator](https://3tej.com/tools/yes-or-no-generator): Yes or No Generator takes format and optional constraints and returns the matching yes or no generator result. Runs entirely in your browser. No login, no tracking of inputs. - [YouTube Title Generator](https://3tej.com/tools/youtube-title-generator): YouTube Title Generator takes source text, target style, optional rules and returns the matching youtube title generator result. Runs entirely in your browser. No login, no tracking of inputs. ## Investing & FIRE (80 tools) > Compound growth, retirement corpus, withdrawal rate, and equity math. - [4% Rule Safe Withdrawal](https://3tej.com/tools/four-percent-rule-calculator): 4% Rule Safe Withdrawal takes contribution, return, time horizon, inflation and returns the matching 4% rule safe withdrawal result. Runs entirely in your browser. No login, no tracking of inputs. - [401(k) Calculator](https://3tej.com/tools/401k-calculator): A 401(k) is a US employer sponsored retirement account funded with pre tax dollars (Traditional) or after tax dollars (Roth 401(k)). Estimate your balance at retirement. - [401(k) Employer Match Calculator](https://3tej.com/tools/401k-employer-match-calculator): 401(k) Employer Match Calculator computes match dollars captured, dollars left on the table from salary, employee deferral %, employer match formula. Runs entirely in your browser. No login, no tracking of inputs. Best for Tuning contribution rate to capture every match dollar. - [401(k) vs Roth IRA: Pre-tax 401(k) vs after-tax Roth IRA - which retirement account wins for US savers?](https://3tej.com/tools/401k-vs-roth-ira): 401k vs roth ira, roth ira vs 401k, which is better 401k or roth ira, retirement savings us, 401k roth comparison 401(k) vs roth ira: pre-tax 401(k) vs after-tax roth ira - which retirement account wins for us savers? - [401(k) vs Traditional IRA: Workplace plan vs your own IRA - higher limits or more flexibility?](https://3tej.com/tools/401k-vs-ira): 401k vs ira, 401k or ira, traditional ira vs 401k, retirement comparison, which to fund first 401(k) vs traditional ira: workplace plan vs your own ira - higher limits or more flexibility? - [529 College Savings Calculator](https://3tej.com/tools/529-college-savings-calculator): 529 College Savings Calculator computes college savings balance, tuition coverage from annual contribution, years to college, expected return. Runs entirely in your browser. No login, no tracking of inputs. Best for US college savings projection. - [Annuity Payout Calculator](https://3tej.com/tools/annuity-payout-calculator): Annuity Payout Calculator takes contribution, return, time horizon, inflation and returns the matching annuity payout result. Runs entirely in your browser. No login, no tracking of inputs. - [Annuity vs Lump Sum Calculator](https://3tej.com/tools/annuity-vs-lumpsum-calculator): Annuity vs Lump Sum Calculator computes maturity value, gain from lump sum amount, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for One-time investment projection. - [Asset Allocation Calculator](https://3tej.com/tools/asset-allocation-calculator): Asset allocation is the percentage of your portfolio in each asset class (stocks, bonds, cash, alternatives). It is the single biggest driver of portfolio outcomes, more than individual fund selection. - [Backdoor Roth Calculator](https://3tej.com/tools/backdoor-roth-calculator): Backdoor Roth Calculator computes tax owed on conversion, Roth balance built from non-deductible IRA contribution, conversion timing. Runs entirely in your browser. No login, no tracking of inputs. Best for Roth contributions above the income limit. - [Barista FIRE Calculator](https://3tej.com/tools/barista-fire-calculator): Barista FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [Bond Ladder Calculator](https://3tej.com/tools/bond-ladder-calculator): Bond Ladder Calculator takes contribution, return, time horizon, inflation and returns the matching bond ladder result. Runs entirely in your browser. No login, no tracking of inputs. - [Bond Yield Calculator](https://3tej.com/tools/bond-yield-calculator): Bond yield comes in three flavors: coupon yield (fixed at issue), current yield (coupon ÷ market price), and yield to maturity (the IRR of all remaining cash flows). YTM is the standard for comparing bonds. - [Bond YTM Calculator](https://3tej.com/tools/bond-ytm-calculator): Bond YTM Calculator takes contribution, return, time horizon, inflation and returns the matching bond ytm result. Runs entirely in your browser. No login, no tracking of inputs. - [CAGR Calculator](https://3tej.com/tools/cagr-calculator): CAGR Calculator takes contribution, return, time horizon, inflation and returns the matching cagr result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada Capital Gains Inclusion Calculator](https://3tej.com/tools/canada-capital-gains-inclusion-calculator): Canada Capital Gains Inclusion Calculator takes income, province, RRSP, TFSA contributions and returns the matching canada capital gains inclusion result. Runs entirely in your browser. No login, no tracking of inputs. - [Capital Gains Calculator](https://3tej.com/tools/capital-gains-calculator): US capital gains tax depends on holding period (STCG vs LTCG), filing status, total income, and asset type. Calculate the tax owed on your investment gains. - [Coast FIRE Calculator](https://3tej.com/tools/coast-fire-calculator): Coast FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [Compound Interest Calculator](https://3tej.com/tools/compound-interest): Compound Interest Calculator computes future value, total interest earned from principal, annual rate, compounding frequency, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Compound growth projection. - [CPP Retirement Benefit Calculator](https://3tej.com/tools/cpp-retirement-benefit-calculator): CPP Retirement Benefit Calculator computes projected retirement balance, sustainable income from current savings, age, contribution, retirement age, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Retirement balance projection. - [Dividend Discount Model](https://3tej.com/tools/dividend-discount-model-calculator): Dividend Discount Model computes discounted price, you save from original price, discount %. Runs entirely in your browser. No login, no tracking of inputs. Best for Sale price math. - [Dividend Reinvestment Calculator](https://3tej.com/tools/dividend-reinvestment-calculator): Dividend reinvestment plans (DRIPs) automatically use cash dividends to buy more shares, compounding the share count over time. The math turns even modest yields into significant long-term wealth. - [Dividend Yield Calculator](https://3tej.com/tools/dividend-yield-calculator): Dividend Yield Calculator takes contribution, return, time horizon, inflation and returns the matching dividend yield result. Runs entirely in your browser. No login, no tracking of inputs. - [Early Retirement (FIRE) Calculator](https://3tej.com/tools/early-retirement-calculator): Find your years to financial independence based on current savings, savings rate, expected return, and annual expenses. - [Emergency Fund](https://3tej.com/tools/emergency-fund): Emergency Fund computes target balance, months to reach it from monthly expenses, current savings, monthly contribution. Runs entirely in your browser. No login, no tracking of inputs. Best for Building an emergency fund. - [EMI vs SIP Calculator](https://3tej.com/tools/emi-vs-sip): EMI vs SIP Calculator takes home price, down payment, rate, term, taxes and returns the matching emi vs sip result. Runs entirely in your browser. No login, no tracking of inputs. - [EPF Calculator](https://3tej.com/tools/epf-calculator): EPF Calculator computes EPF balance at exit, total interest, pension share from salary, contribution percentage, years, EPF rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian EPF projection with pension portion. - [ETF vs Mutual Fund: Same underlying index, different wrappers - which actually keeps more of your money?](https://3tej.com/tools/etf-vs-mutual-fund): ETF vs Mutual Fund: Same underlying index, different wrappers - which actually keeps more of your money? takes numbers, ranges, parameters and returns the matching etf vs mutual fund: same underlying index, different wrappers - which actually keeps more of your money? result. Runs entirely in your browser. No login, no tracking of inputs. - [Fat FIRE Calculator](https://3tej.com/tools/fat-fire-calculator): Fat FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [FHSA Calculator](https://3tej.com/tools/fhsa-calculator): The First Home Savings Account (FHSA) is a Canadian registered account that combines RRSP-style tax-deductible contributions with TFSA-style tax-free withdrawals, designed specifically for first-time home buyers. - [FIRE Calculator](https://3tej.com/tools/fire-calculator): FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [FIRE Number Calculator (25× rule)](https://3tej.com/tools/fire-number-calculator): FIRE Number Calculator (25× rule) takes contribution, return, time horizon, inflation and returns the matching fire number calculator (25× rule) result. Runs entirely in your browser. No login, no tracking of inputs. - [India Capital Gains Tax Calculator (STCG & LTCG)](https://3tej.com/tools/capital-gains): Capital Gains Calculator takes contribution, return, time horizon, inflation and returns the matching capital gains result. Runs entirely in your browser. No login, no tracking of inputs. - [India Mutual Fund Picker Quiz 2026](https://3tej.com/tools/india-mutual-fund-picker-quiz): India mutual fund picker 2026, ELSS top funds, mid-cap MF, small-cap, multi-asset NIFTY 500 index india mutual fund picker quiz 2026 - [Inflation-Adjusted Retirement](https://3tej.com/tools/inflation-adjusted-retirement-calculator): Inflation-Adjusted Retirement computes inflation-adjusted retirement corpus needed from current expenses, inflation, current age, retirement age, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Retirement target in future dollars. - [Inherited IRA RMD](https://3tej.com/tools/inherited-ira-rmd-calculator): Inherited IRA RMD computes tax advantaged retirement balance from contribution, age, return rate, account type. Runs entirely in your browser. No login, no tracking of inputs. Best for IRA balance projection and contribution sizing. - [International FIRE Calculator (8 countries)](https://3tej.com/tools/international-fire-calculator): International FIRE Calculator (8 countries) computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [IRA Calculator](https://3tej.com/tools/ira-calculator): An Individual Retirement Arrangement (IRA) is a US tax-advantaged retirement account available to anyone with earned income. Project the balance, factoring in contributions, return rate, and the 2026 contribution limits. - [ISA Calculator](https://3tej.com/tools/isa-calculator): An Individual Savings Account (ISA) is a UK tax-free wrapper for savings and investments. The 2026 annual subscription limit is 20,000 GBP, split across any combination of Stocks & Shares, Cash, Innovative Finance, and Lifetime ISAs. - [ISA vs SIPP: Flexible tax-free ISA vs locked-up tax-relief SIPP - which UK wrapper wins?](https://3tej.com/tools/isa-vs-sipp): isa vs sipp, sipp vs isa, uk pension comparison, isa or sipp better, uk retirement savings isa vs sipp: flexible tax-free isa vs locked-up tax-relief sipp - which uk wrapper wins? - [Junior ISA Calculator](https://3tej.com/tools/junior-isa-calculator): Junior ISA Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [Lean FIRE Calculator](https://3tej.com/tools/lean-fire-calculator): Lean FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savings rate, real return. Runs entirely in your browser. No login, no tracking of inputs. Best for Path to financial independence. - [Lumpsum Calculator](https://3tej.com/tools/lumpsum-calculator): Lumpsum Calculator computes maturity value, gain from lump sum amount, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for One-time investment projection. - [Mega Backdoor Roth](https://3tej.com/tools/mega-backdoor-roth-calculator): Mega Backdoor Roth computes after tax Roth balance built outside the 23k cap from after tax 401(k) contribution, return, conversion frequency. Runs entirely in your browser. No login, no tracking of inputs. Best for High earners maxing the 70k 415(c) limit. - [Monte Carlo Retirement](https://3tej.com/tools/monte-carlo-retirement-calculator): Monte Carlo Retirement computes projected retirement balance, sustainable income from current savings, age, contribution, retirement age, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Retirement balance projection. - [Mutual Fund Returns Calculator](https://3tej.com/tools/mutual-fund-returns-calculator): Mutual fund returns include the fund's gross performance minus the expense ratio. Over multi-decade horizons the expense ratio compounds against you, often costing 25%+ of the final balance. - [Mutual Fund vs Direct Stocks: Diversified index fund SIP vs picking your own stocks - which actually builds more wealth?](https://3tej.com/tools/mutual-fund-vs-stocks): mutual fund vs stocks, stocks or mutual funds, direct equity vs mutual fund, sip vs stock investing, stock picking vs index mutual fund vs direct stocks: diversified index fund sip vs picking your own stocks - which actu - [NPS Calculator](https://3tej.com/tools/nps-calculator): NPS Calculator computes NPS corpus at 60, annuity income, lump sum from monthly contribution, age, equity allocation, return. Runs entirely in your browser. No login, no tracking of inputs. Best for NPS balance and post 60 income projection. - [P/E Ratio Calculator](https://3tej.com/tools/pe-ratio-calculator): P/E Ratio Calculator takes numbers, ranges, parameters and returns the matching p/e ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Pension Calculator](https://3tej.com/tools/pension-calculator): Project your defined-benefit or defined-contribution pension value at retirement age. Decision support for DB vs lump-sum at retirement. - [Pension vs Lump Sum](https://3tej.com/tools/pension-vs-lump-sum-calculator): Pension vs Lump Sum takes contribution, return, time horizon, inflation and returns the matching pension vs lump sum result. Runs entirely in your browser. No login, no tracking of inputs. - [PPF Calculator](https://3tej.com/tools/ppf-calculator): PPF Calculator computes maturity value, total contributed, total interest from annual contribution, years, current PPF rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian PPF balance projection. - [PPF vs EPF: Two government-backed Indian retirement funds - which one builds more wealth?](https://3tej.com/tools/ppf-vs-epf): ppf vs epf, epf vs ppf, ppf or epf better, india provident fund comparison, employee vs public pf ppf vs epf: two government-backed indian retirement funds - which one builds more wealth? - [PPF vs Fixed Deposit: Tax-free 7.1% PPF or 7-8% fixed deposit with TDS - which actually puts more in your pocket?](https://3tej.com/tools/ppf-vs-fd): ppf vs fd, ppf vs fixed deposit, tax-free fd, ppf or fd better, india safe investment ppf vs fixed deposit: tax-free 7.1% ppf or 7-8% fixed deposit with tds - which actually puts more in your pocket? - [PPF vs NPS: Guaranteed 7.1% vs market-linked 10-12% - which retirement saver wins for India?](https://3tej.com/tools/ppf-vs-nps): ppf vs nps, ppf or nps, ppf vs nps which is better, ppf nps comparison, retirement saving india ppf vs nps: guaranteed 7.1% vs market-linked 10-12% - which retirement saver wins for india? - [Retirement Calculator](https://3tej.com/tools/retirement-calculator): A retirement calculator projects whether your current savings rate is on track to fund your retirement at a chosen age. The two big inputs are your target annual spending and your expected real return. - [Retirement Corpus](https://3tej.com/tools/retirement-corpus): Retirement Corpus computes corpus needed at retirement, monthly saving required from monthly expenses, retirement age, life expectancy, inflation, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Sizing the retirement target. - [Retirement Corpus Needed Calculator](https://3tej.com/tools/retirement-corpus-needed-calculator): Retirement corpus is the lump sum of investments needed at retirement to fund withdrawals for life. The standard answer: 25 times your annual desired retirement spending. - [Retirement Shortfall Calculator](https://3tej.com/tools/retirement-shortfall-calculator): A retirement shortfall is the gap between your projected portfolio at retirement and the target corpus needed. Identifying the shortfall now lets you increase contributions, work longer, or reduce target spending. - [Retirement Tax Bracket Calculator](https://3tej.com/tools/retirement-tax-bracket-calculator): Estimate your federal tax bracket in retirement based on planned withdrawals from Social Security, pre-tax retirement accounts, Roth, and taxable brokerage. - [Roth IRA Calculator](https://3tej.com/tools/roth-ira-calculator): A Roth IRA is a US retirement account where contributions are made with after tax dollars but qualified withdrawals (including all growth) are completely tax free. Calculate how much your account could be worth at retirement. - [Roth IRA vs Traditional IRA: Same $7,000 limit, opposite tax treatments - which builds more retirement wealth?](https://3tej.com/tools/roth-ira-vs-traditional-ira): Roth IRA vs Traditional IRA: Same $7,000 limit, opposite tax treatments - which builds more retirement wealth? computes tax free retirement balance and total contributed from annual contribution, current age, retirement age, return rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Roth IRA balance projection with contribution limits. - [Roth vs Traditional 401(k)](https://3tej.com/tools/roth-vs-traditional-401k-calculator): Roth vs Traditional 401(k) computes future value at retirement, contributions vs growth split from 401(k) balance, contribution rate, employer match, salary, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Projecting a 401(k) balance to retirement age. - [RRSP Calculator](https://3tej.com/tools/rrsp-calculator): A Registered Retirement Savings Plan (RRSP) is the primary Canadian tax-deferred retirement account. Contributions are deductible against income, growth is tax-deferred, withdrawals are taxed as income. - [RRSP vs FHSA: First Home Savings Account combines RRSP-deduction with TFSA-withdrawal - is it strictly better?](https://3tej.com/tools/rrsp-vs-fhsa): rrsp vs fhsa, fhsa vs rrsp, first home savings account canada, hbp vs fhsa, canadian home saving rrsp vs fhsa: first home savings account combines rrsp-deduction with tfsa-withdrawal - is it strictly better? - [RRSP vs TFSA: Pre-tax RRSP or post-tax TFSA - the right Canadian retirement bucket depends on your bracket.](https://3tej.com/tools/rrsp-vs-tfsa): rrsp vs tfsa, tfsa vs rrsp, which is better rrsp or tfsa, canada retirement savings, rrsp tfsa comparison rrsp vs tfsa: pre-tax rrsp or post-tax tfsa - the right canadian retirement bucket depends on your bracket. - [Rule of 72 Calculator](https://3tej.com/tools/rule-of-72-calculator): Years to double = 72 / annual return rate. - [Safe Withdrawal Rate Calculator](https://3tej.com/tools/safe-withdrawal-rate-calculator): Calculate sustainable annual withdrawal from a retirement portfolio at 3% to 4.5% safe withdrawal rates with a sensitivity table. - [Savings Goal Calculator](https://3tej.com/tools/savings-goal-calculator): Savings Goal Calculator takes contribution, return, time horizon, inflation and returns the matching savings goal result. Runs entirely in your browser. No login, no tracking of inputs. - [SEP-IRA Calculator](https://3tej.com/tools/sep-ira-calculator): SEP-IRA Calculator computes tax advantaged retirement balance from contribution, age, return rate, account type. Runs entirely in your browser. No login, no tracking of inputs. Best for IRA balance projection and contribution sizing. - [SIP Calculator](https://3tej.com/tools/sip-calculator): SIP Calculator computes maturity value, total invested, total gain from monthly investment, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian SIP projection. - [SIP vs Lumpsum: Rupee-cost averaging or all-in at once? The historical answer surprises most investors.](https://3tej.com/tools/sip-vs-lumpsum): sip vs lumpsum, lumpsum or sip, sip lumpsum comparison, mutual fund investing india, dollar cost averaging sip vs lumpsum: rupee-cost averaging or all-in at once? - [Solo 401(k) Calculator](https://3tej.com/tools/solo-401k-calculator): Solo 401(k) Calculator computes future value at retirement, contributions vs growth split from 401(k) balance, contribution rate, employer match, salary, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Projecting a 401(k) balance to retirement age. - [Step-up SIP Calculator](https://3tej.com/tools/step-up-sip): SIP with annual contribution increase. As your salary grows, so does your investment. - [SWP Calculator](https://3tej.com/tools/swp-calculator): SWP Calculator computes sustainability years, ending balance from corpus, monthly withdrawal, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Drawing income from a corpus. - [SWP vs Annuity: Rs 1 crore at 60 - draw 6%/yr from your mutual funds (SWP) or buy a 6.5% lifetime annuity?](https://3tej.com/tools/swp-vs-annuity): SWP vs Annuity: Rs 1 crore at 60 - draw 6%/yr from your mutual funds (SWP) or buy a 6.5% lifetime annuity? computes sustainability years, ending balance from corpus, monthly withdrawal, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Drawing income from a corpus. - [TFSA Calculator](https://3tej.com/tools/tfsa-calculator): A Tax-Free Savings Account (TFSA) is a Canadian registered account where contributions are after-tax but ALL growth and withdrawals are 100% tax-free. Project the tax-free balance from your contribution schedule. - [Traditional IRA Calculator](https://3tej.com/tools/traditional-ira-calculator): A Traditional IRA accepts pre-tax contributions (if deductible) that grow tax-deferred until withdrawal in retirement, when they are taxed as ordinary income. - [Treasury Bond Yield Calculator](https://3tej.com/tools/treasury-bond-yield-calculator): Treasury Bond Yield Calculator computes current yield, yield to maturity from face value, coupon rate, market price, years to maturity. Runs entirely in your browser. No login, no tracking of inputs. Best for Bond pricing decision. - [US Work Visa Eligibility Checker (H-1B/O-1/EB-2/EB-1A)](https://3tej.com/tools/us-work-visa-eligibility-checker): US Work Visa Eligibility Checker (H-1B/O-1/EB-2/EB-1A) computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. ## Personal Finance (72 tools) > Budgeting, debt payoff, credit cards, paycheck math, and day-to-day money decisions. - [50/30/20 Budget Rule Calculator](https://3tej.com/tools/50-30-20-budget-rule-calculator): 50/30/20 Budget Rule Calculator is a free budgeting calculator that gives you a deterministic answer for 50/30/20 budget rule questions. Runs entirely in your browser. No login, no tracking of inputs. - [Abgeltungssteuer Calculator](https://3tej.com/de/tools/de-abgeltungssteuer): A 🇩🇪 Abgeltungssteuer-Rechner computes 🇩🇪 abgeltungssteuer-rechner from the inputs you provide. - [After-Tax Cost of Debt Calculator](https://3tej.com/tools/after-tax-cost-of-debt-calculator): After-Tax Cost of Debt Calculator computes after-tax cost of debt percentage from pre-tax interest rate, marginal tax rate. Runs entirely in your browser. No login, no tracking of inputs. Best for WACC and capital-structure decisions. - [AI Contextual DTI Optimizer](https://3tej.com/us/tools/ai-dti-optimizer): Get an algorithmic step-by-step roadmap on exactly which debts to pay down first to qualify for a mortgage. - [APR vs APY Calculator](https://3tej.com/tools/apr-vs-apy-calculator): APR vs APY Calculator is a free loans & debt calculator that gives you a deterministic answer for apr vs apy questions. Runs entirely in your browser. No login, no tracking of inputs. - [APR vs Effective Yield](https://3tej.com/tools/apr-vs-effective-yield-calculator): APR vs Effective Yield is a free loans & debt calculator that gives you a deterministic answer for apr vs effective yield questions. Runs entirely in your browser. No login, no tracking of inputs. - [APY Calculator](https://3tej.com/tools/apy-calculator): APY Calculator is a free loans & debt calculator that gives you a deterministic answer for apy questions. Runs entirely in your browser. No login, no tracking of inputs. - [Babysitter Cost Calculator](https://3tej.com/tools/babysitter-cost-calculator): Babysitter Cost Calculator takes height, weight, age, sex, activity and returns the matching babysitter cost result. Runs entirely in your browser. No login, no tracking of inputs. - [BNPL & Subscription Liability Forecaster](https://3tej.com/us/tools/bnpl-subscription-forecaster): Unify your recurring monthly subscriptions with hidden Buy Now, Pay Later obligations to reveal your true fixed costs. - [Brutto-Netto Rechner](https://3tej.com/de/tools/de-brutto-netto): Brutto-Netto Rechner computes netto pay, Steuer, Sozialabgaben split from brutto salary, tax class, Land, church tax, kids. Runs entirely in your browser. No login, no tracking of inputs. Best for German Brutto-Netto take-home. - [Canada Childcare Expense Deduction](https://3tej.com/tools/canada-childcare-expense-deduction): Canada Childcare Expense Deduction takes income, province, RRSP, TFSA contributions and returns the matching canada childcare expense deduction result. Runs entirely in your browser. No login, no tracking of inputs. - [Carpool Savings Calculator](https://3tej.com/tools/carpool-savings-calculator): 2 people sharing 30-mile commute saves $1,000-2,000/yr each. - [Concert / Festival Budget Calculator](https://3tej.com/tools/concert-festival-budget-calculator): A Concert & Festival Budget Calculator computes concert & festival budget from the inputs you provide. - [Corporate Tax Calculator](https://3tej.com/ae/tools/uae-corporate-tax): 9% on profits above AED 375K. Federal Decree-Law 47 of 2022. From 1 June 2023. - [CPF Calculator](https://3tej.com/sg/tools/sg-cpf-calculator): Employee + employer contributions and account allocation. 2025. - [CPF LIFE Calculator](https://3tej.com/sg/tools/sg-cpf-life): Lifelong monthly retirement payouts from CPF Retirement Account. - [Credit Card Rewards ROI Calculator](https://3tej.com/tools/credit-card-rewards-roi-calculator): Credit Card Rewards ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [Debt Payoff Calculator (Snowball/Avalanche)](https://3tej.com/tools/debt-payoff-calculator): Debt Payoff Calculator (Snowball/Avalanche) computes payoff date, total interest paid from debt balance, rate, monthly payment. Runs entirely in your browser. No login, no tracking of inputs. Best for Single-debt payoff timeline. - [Debt Snowball / Avalanche Calculator](https://3tej.com/tools/debt-snowball-avalanche-calculator): Debt Snowball / Avalanche Calculator computes payoff date and total interest for each method from list of debts (balance, rate, min payment), extra monthly. Runs entirely in your browser. No login, no tracking of inputs. Best for Picking a multi-debt payoff order. - [Education Loan EMI](https://3tej.com/tools/education-loan-emi): Education Loan EMI computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Einkommensteuer Calculator](https://3tej.com/de/tools/de-income-tax): Einkommensteuer Calculator computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [End-of-Service Gratuity](https://3tej.com/ae/tools/uae-gratuity): End-of-Service Gratuity computes gratuity payable, taxable portion from last basic salary, years of service, sector. Runs entirely in your browser. No login, no tracking of inputs. Best for India gratuity at exit. - [Engagement Ring Budget Calculator](https://3tej.com/tools/engagement-ring-budget-calculator): Modern guideline: 1-3 months of net income. Old '3-month rule' was DeBeers marketing. - [Erbschaftsteuer Calculator](https://3tej.com/de/tools/de-erbschaftsteuer): A 🇩🇪 Erbschaftsteuer-Rechner computes 🇩🇪 erbschaftsteuer-rechner from the inputs you provide. - [Expense Ratio Impact](https://3tej.com/tools/expense-ratio-impact-calculator): Expense Ratio Impact takes numbers, ranges, parameters and returns the matching expense ratio impact result. Runs entirely in your browser. No login, no tracking of inputs. - [Family Benefits Calculator](https://3tej.com/de/tools/de-family-benefits): A 🇩🇪 Familienleistungen - Kindergeld & Elterngeld computes 🇩🇪 familienleistungen - kindergeld & elterngeld from the inputs you provide. - [Freelance Hourly Rate Calculator](https://3tej.com/tools/freelance-hourly-rate-calculator): Freelance Hourly Rate Calculator is a free career & income calculator that gives you a deterministic answer for freelance hourly rate questions. Runs entirely in your browser. No login, no tracking of inputs. - [Fuel Savings Calculator](https://3tej.com/tools/fuel-savings-calculator): Two cars × your miles + your gas price = clear winner. - [Gas Savings Calculator](https://3tej.com/tools/gas-savings-calculator): Compare the fuel costs of driving a gas car versus an electric vehicle. Calculate annual savings. - [Grocery Budget Calculator](https://3tej.com/tools/grocery-budget-calculator): USDA: thrifty $250-450 person/mo · Liberal $450-700 · By age + sex. - [Halloween Candy Budget Calculator](https://3tej.com/tools/halloween-candy-budget-calculator): Halloween Candy Budget Calculator takes habit, frequency, target and returns the matching halloween candy budget result. Runs entirely in your browser. No login, no tracking of inputs. - [Honeymoon Budget Calculator](https://3tej.com/tools/honeymoon-budget-calculator): Affordable: $200/day · Mid-luxury: $400/day · Honeymoon-suite: $800+/day. - [Hourly to Salary Converter](https://3tej.com/tools/hourly-to-salary-converter): A Hourly to Salary Converter converts Hourly into Salary directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Hours of Work per Item Calculator (Big Mac Index style)](https://3tej.com/tools/hours-of-work-per-item-calculator): Big Mac Index style calculator. Convert any item price into hours of work for the median earner across 8 countries (US, UK, IN, CA, AU, SG, AE, DE). 9 items: Big Mac, latte, iPhone 16 Pro, gasoline, rent, car, MacBook, flight, Netflix. Median wage 2024-25 data from BLS, ONS, MOSPI, ATO. - [India Credit Card Picker Quiz 2026](https://3tej.com/tools/india-credit-card-picker-quiz): best Indian credit card 2026, HDFC Diners Black, SBI Cashback, Amazon Pay ICICI, lounge access India india credit card picker quiz 2026 - [India CTC to In-Hand Salary Decoder](https://3tej.com/tools/india-ctc-to-inhand-decoder): Decode any Indian offer letter into real monthly take-home for FY 2025-26. Splits CTC into basic, HRA, employer PF, gratuity, ESOPs, and variable, then compares Old vs New regime side-by-side with HRA exemption, 80C, 80D, NPS 80CCD(1B), and home loan 24(b) deductions. - [India to Abroad Scholarship + Loan Matcher 2026](https://3tej.com/tools/india-abroad-scholarship-loan-stack-matcher): India to Abroad Scholarship + Loan Matcher 2026 computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Kids Allowance Calculator](https://3tej.com/tools/kids-allowance-calculator): Kids Allowance Calculator takes height, weight, age, sex, activity and returns the matching kids allowance result. Runs entirely in your browser. No login, no tracking of inputs. - [Krankenversicherung Calculator](https://3tej.com/de/tools/de-health-insurance): krankenversicherung - gkv vs. - [Loan Eligibility Calculator](https://3tej.com/tools/loan-eligibility): Loan Eligibility Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Loud Budgeting Social Goal Tracker](https://3tej.com/us/tools/loud-budgeting-social-tracker): Generate a shareable, gamified loud budgeting accountability scorecard. Track your debt paydown and savings milestones publicly. - [Mehrwertsteuer (VAT)](https://3tej.com/de/tools/de-vat): Mehrwertsteuer (VAT) computes VAT amount, total with VAT, reverse VAT from pre-tax amount, VAT rate. Runs entirely in your browser. No login, no tracking of inputs. Best for VAT calculation. - [Personal Loan EMI](https://3tej.com/tools/personal-loan-emi): Personal Loan EMI computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [RDSP Disability Savings Calculator](https://3tej.com/tools/rdsp-disability-savings-calculator): RDSP Disability Savings Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [Rentenrechner](https://3tej.com/de/tools/de-pension): Wie hoch wird Ihre gesetzliche Rente? Berechnung über Entgeltpunkte und aktuellen Rentenwert. - [Riester Rente Calculator](https://3tej.com/de/tools/de-riester): A 🇩🇪 Riester-Rente-Rechner computes 🇩🇪 riester-rente-rechner from the inputs you provide. - [Salary After Tax Calculator](https://3tej.com/tools/salary-after-tax-calculator): Calculate your salary after taxes. Estimate federal, state, and local deductions to find your true net income. - [Salary Calculator](https://3tej.com/tools/salary-calculator): Salary Calculator computes net take-home, tax, in-hand monthly from CTC, basic %, HRA %, city, regime. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian CTC-to-net breakdown. - [Salary Needed to Afford X Calculator](https://3tej.com/tools/salary-needed-to-afford): Work backwards from a purchase target to the gross salary needed: home, car, rent, iPhone 16 Pro, business class flight or MacBook Pro in 10 major cities. Uses CFPB 28/36, Edmunds 20/4/10, 30 percent rent rule, and 5 percent device rule. Tax-aware. - [Salary to Hourly Converter](https://3tej.com/tools/salary-to-hourly-converter): A Salary to Hourly Converter converts Salary into Hourly directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Singapore BSD + ABSD](https://3tej.com/sg/tools/sg-stamp-duty): Buyer's stamp duty for property purchases. 2025 rates. - [Singapore GST](https://3tej.com/sg/tools/sg-gst): Singapore GST computes GST amount, total with GST, reverse GST from pre-tax amount, GST rate. Runs entirely in your browser. No login, no tracking of inputs. Best for India GST calculation. - [Singapore Income Tax](https://3tej.com/sg/tools/sg-income-tax): Singapore Income Tax computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [Singapore Mortgage Calculator](https://3tej.com/sg/tools/sg-mortgage): Singapore Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Singapore Salary Calculator](https://3tej.com/sg/tools/sg-salary-calculator): Singapore Salary Calculator computes net take-home, tax, in-hand monthly from CTC, basic %, HRA %, city, regime. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian CTC-to-net breakdown. - [SRS Calculator](https://3tej.com/sg/tools/sg-srs): Supplementary Retirement Scheme. Up to SS$1 tax relief, 50% withdrawal taxed at retirement. - [Take Home Salary Calculator](https://3tej.com/tools/take-home-salary-calculator): Calculate your take home pay. Input your gross salary to see exactly how much you'll receive per paycheck. - [Tax Bracket Calculator](https://3tej.com/tools/tax-bracket-calculator): A tax bracket calculator walks your taxable income through the progressive federal (and state) bracket schedule to show how much tax you actually owe, plus your effective and marginal rates. - [Tax Bracket Creep](https://3tej.com/tools/tax-bracket-creep-calculator): Salary raise pushes income into higher bracket → less keep. - [TDSR & MSR Calculator](https://3tej.com/sg/tools/sg-tdsr): Property loan eligibility. 55% TDSR cap, 30% MSR for HDB/EC. MAS stress test 4%. - [Tip Calculator](https://3tej.com/tools/tip-calculator): Tip Calculator computes tip amount, total, per person from bill amount, tip percentage, party size. Runs entirely in your browser. No login, no tracking of inputs. Best for Restaurant tipping. - [Tip Calculator Pro (Split Bill)](https://3tej.com/tools/tip-calculator-pro): Tip Calculator Pro (Split Bill) computes tip amount, total, per person from bill amount, tip percentage, party size. Runs entirely in your browser. No login, no tracking of inputs. Best for Restaurant tipping. - [UAE End of Service Benefit](https://3tej.com/ae/tools/uae-end-of-service): A 🇦🇪 UAE End of Service Benefit computes 🇦🇪 uae end of service benefit from the inputs you provide. - [UAE End-of-Service Gratuity Calculator](https://3tej.com/tools/uae-end-of-service-gratuity-calculator): UAE End-of-Service Gratuity Calculator computes gratuity payable, taxable portion from last basic salary, years of service, sector. Runs entirely in your browser. No login, no tracking of inputs. Best for India gratuity at exit. - [UAE Golden Visa Eligibility Checker 2026](https://3tej.com/tools/uae-golden-visa-eligibility-checker): UAE Golden Visa 2026, AED 2 million investor, Outstanding Talent, 10-year residence Dubai uae golden visa eligibility checker 2026 - [UAE Mortgage Calculator](https://3tej.com/ae/tools/uae-mortgage): UAE Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [UAE Personal Loan Calculator](https://3tej.com/ae/tools/uae-personal-loan): UAE Personal Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [UAE Salary Calculator](https://3tej.com/ae/tools/uae-salary): A 🇦🇪 UAE Salary Calculator estimates your in-hand monthly pay from your CTC and tax regime. - [UAE VAT Calculator](https://3tej.com/ae/tools/uae-vat): UAE VAT Calculator computes VAT amount, total with VAT, reverse VAT from pre-tax amount, VAT rate. Runs entirely in your browser. No login, no tracking of inputs. Best for VAT calculation. - [Wedding Ring Budget Calculator](https://3tej.com/tools/wedding-ring-budget-calculator): Find a balanced wedding band budget that reflects your income, savings, and metal preference. - [Work From Home Savings](https://3tej.com/tools/work-from-home-savings-calculator): WFH saves $5K-15K/yr typical: commute + lunch + clothes + childcare. - [WPS Calculator](https://3tej.com/ae/tools/uae-wps): UAE Wage Protection System compliance check. Salary breakdown for SIF file generation. ## Math (68 tools) > Algebra, geometry, percentages, statistics, and step-by-step worked solutions. - [Area Calculator](https://3tej.com/tools/area-calculator): Rectangle, square, triangle, circle, trapezoid, parallelogram, ellipse, sector. - [Aspect Ratio Calculator](https://3tej.com/tools/aspect-ratio-calculator): Aspect Ratio Calculator takes numbers, ranges, parameters and returns the matching aspect ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Binary Encoder / Decoder](https://3tej.com/tools/binary-encoder-decoder): Binary Encoder / Decoder takes source value and source unit and returns the matching binary encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [Binary to Hex to Decimal to Octal Converter](https://3tej.com/tools/binary-to-hexadecimal-converter): Binary to Hex to Decimal to Octal Converter computes number in the chosen target base from number in any base (binary, decimal, hex). Runs entirely in your browser. No login, no tracking of inputs. Best for Programming base conversion. - [Binary to Octal Converter](https://3tej.com/tools/binary-to-octal): binary octal Unix permissions chmod 755, base conversion binary to octal converter free 3tej calculator - [Binary to Text Converter](https://3tej.com/tools/binary-to-text): Binary to Text Converter takes source value and source unit and returns the matching binary to text result. Runs entirely in your browser. No login, no tracking of inputs. - [Binary/Decimal/Hex Converter](https://3tej.com/tools/binary-decimal-hex-converter): A Binary Decimal Hex Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Body Water Percentage Calculator](https://3tej.com/tools/body-water-percentage-calculator): Body Water Percentage Calculator computes percentage result from two values, operation (of/increase/decrease/change). Runs entirely in your browser. No login, no tracking of inputs. Best for Percentage problems. - [Chi-Square Calculator](https://3tej.com/tools/chi-square-calculator): Compute the chi-square statistic from observed and expected frequencies with degrees of freedom and an approximate p-value. - [Circle Calculator](https://3tej.com/tools/circle-calculator): Circle Calculator takes numbers, ranges, parameters and returns the matching circle result. Runs entirely in your browser. No login, no tracking of inputs. - [Coffee Water Ratio Calculator](https://3tej.com/tools/coffee-water-ratio-calculator): Coffee Water Ratio Calculator takes numbers, ranges, parameters and returns the matching coffee water ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Color Contrast Ratio (WCAG)](https://3tej.com/tools/color-contrast-ratio-calculator): Color Contrast Ratio (WCAG) takes numbers, ranges, parameters and returns the matching color contrast ratio (wcag) result. Runs entirely in your browser. No login, no tracking of inputs. - [Combinations + Permutations (nCr, nPr)](https://3tej.com/tools/combinations-permutations-calculator): Combinations + Permutations (nCr, nPr) takes numbers, ranges, parameters and returns the matching combinations + permutations (ncr, npr) result. Runs entirely in your browser. No login, no tracking of inputs. - [Combinations Calculator C(n,k)](https://3tej.com/tools/combinations-calculator): Compute the binomial coefficient C(n,k) = n! / (k!(n-k)!), the number of unordered ways to choose k items from a set of n. - [Cone Volume Calculator](https://3tej.com/tools/cone-volume-calculator): Cone Volume Calculator takes numbers, ranges, parameters and returns the matching cone volume result. Runs entirely in your browser. No login, no tracking of inputs. - [Confidence Interval Calculator](https://3tej.com/tools/confidence-interval-calculator): Confidence Interval Calculator takes sample data, hypothesis, confidence level and returns the matching confidence interval result. Runs entirely in your browser. No login, no tracking of inputs. - [Correlation Coefficient](https://3tej.com/tools/correlation-coefficient-calculator): Correlation Coefficient takes sample data, hypothesis, confidence level and returns the matching correlation coefficient result. Runs entirely in your browser. No login, no tracking of inputs. - [Cylinder Volume Calculator](https://3tej.com/tools/cylinder-volume-calculator): Cylinder Volume Calculator takes numbers, ranges, parameters and returns the matching cylinder volume result. Runs entirely in your browser. No login, no tracking of inputs. - [Debt-to-Income (DTI) Calculator](https://3tej.com/tools/debt-to-income-ratio-calculator): Debt-to-Income (DTI) Calculator computes front-end and back-end DTI % from monthly gross income, total monthly debt payments. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage qualification check. - [Discount Percentage Calculator](https://3tej.com/tools/discount-percentage-calculator): Discount Percentage Calculator computes percentage result from two values, operation (of/increase/decrease/change). Runs entirely in your browser. No login, no tracking of inputs. Best for Percentage problems. - [Ellipse Area Calculator](https://3tej.com/tools/ellipse-area-calculator): Ellipse Area Calculator takes numbers, ranges, parameters and returns the matching ellipse area result. Runs entirely in your browser. No login, no tracking of inputs. - [Email Subject Tester](https://3tej.com/tools/email-subject-tester): Email Subject Tester takes source text, target style, optional rules and returns the matching email subject tester result. Runs entirely in your browser. No login, no tracking of inputs. - [Factorial Calculator (n!)](https://3tej.com/tools/factorial-calculator): Factorial Calculator (n!) takes numbers, ranges, parameters and returns the matching factorial calculator (n!) result. Runs entirely in your browser. No login, no tracking of inputs. - [Fraction Calculator](https://3tej.com/tools/fraction-calculator): Fraction Calculator takes numbers, ranges, parameters and returns the matching fraction result. Runs entirely in your browser. No login, no tracking of inputs. - [GCF & LCM Calculator](https://3tej.com/tools/gcf-lcm-calculator): GCF & LCM Calculator takes numbers, ranges, parameters and returns the matching gcf & lcm result. Runs entirely in your browser. No login, no tracking of inputs. - [Great Circle Distance](https://3tej.com/tools/great-circle-distance-calculator): Great Circle Distance takes numbers, ranges, parameters and returns the matching great circle distance result. Runs entirely in your browser. No login, no tracking of inputs. - [Hex / Binary / Decimal Converter](https://3tej.com/tools/hex-binary-converter): A Hex / Binary / Decimal Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Hex Encoder / Decoder](https://3tej.com/tools/hex-encoder-decoder): Hex Encoder / Decoder takes source value and source unit and returns the matching hex encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [Hex to HSV Converter](https://3tej.com/tools/hex-to-hsv-converter): Hex to HSV Converter takes source value and source unit and returns the matching hex to hsv result. Runs entirely in your browser. No login, no tracking of inputs. - [Hex to RGB Converter](https://3tej.com/tools/hex-to-rgb-converter): Hex to RGB Converter takes source value and source unit and returns the matching hex to rgb result. Runs entirely in your browser. No login, no tracking of inputs. - [Hex to Text Converter](https://3tej.com/tools/hex-to-text): Hex to Text Converter takes source value and source unit and returns the matching hex to text result. Runs entirely in your browser. No login, no tracking of inputs. - [Hexadecimal to Binary Converter](https://3tej.com/tools/hex-to-binary): hex to binary, hexadecimal color codes, 0x prefix, programming bases hexadecimal to binary converter free 3tej calculator - [Lightning Distance Calculator](https://3tej.com/tools/lightning-distance-calculator): Count seconds between flash and thunder. Divide by 5 for miles. - [Logarithm Calculator](https://3tej.com/tools/logarithm-calculator): log b (x) for any base. Auto-shows log₁₀, ln, log₂. - [Marinade Ratio Calculator](https://3tej.com/tools/marinade-ratio-calculator): Marinade Ratio Calculator takes numbers, ranges, parameters and returns the matching marinade ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Mean Median Mode Calculator](https://3tej.com/tools/mean-median-mode-calculator): Mean Median Mode Calculator takes sample data, hypothesis, confidence level and returns the matching mean median mode result. Runs entirely in your browser. No login, no tracking of inputs. - [Optimal Screen Distance](https://3tej.com/tools/screen-time-distance-calculator): THX: 36° FOV. Sit 1.5× to 2.5× screen diagonal away. - [Paint Mixing Ratio Calculator](https://3tej.com/tools/paint-mixing-ratio-calculator): Paint Mixing Ratio Calculator takes numbers, ranges, parameters and returns the matching paint mixing ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Parallelogram Area Calculator](https://3tej.com/tools/parallelogram-area-calculator): Parallelogram Area Calculator takes numbers, ranges, parameters and returns the matching parallelogram area result. Runs entirely in your browser. No login, no tracking of inputs. - [Pearson Correlation Calculator](https://3tej.com/tools/correlation-calculator): Compute the Pearson correlation coefficient r between two numeric arrays with r-squared and a strength interpretation. - [Percentage Calculator](https://3tej.com/tools/percentage-calculator): Percentage Calculator computes percentage result from two values, operation (of/increase/decrease/change). Runs entirely in your browser. No login, no tracking of inputs. Best for Percentage problems. - [Percentage Change Calculator](https://3tej.com/tools/percentage-change-calculator): Percentage Change Calculator computes percentage result from two values, operation (of/increase/decrease/change). Runs entirely in your browser. No login, no tracking of inputs. Best for Percentage problems. - [Permutation & Combination](https://3tej.com/tools/permutation-combination): Permutation & Combination takes numbers, ranges, parameters and returns the matching permutation & combination result. Runs entirely in your browser. No login, no tracking of inputs. - [Permutations Calculator P(n,k)](https://3tej.com/tools/permutations-calculator): Compute the number of permutations P(n,k) = n! / (n-k)! for any non-negative integers n and k where k is at most n. - [Pool Volume Calculator](https://3tej.com/tools/pool-volume-calculator): Length × width × avg-depth × 7.48 = US gallons. - [Pyramid Volume Calculator](https://3tej.com/tools/pyramid-volume-calculator): Pyramid Volume Calculator takes numbers, ranges, parameters and returns the matching pyramid volume result. Runs entirely in your browser. No login, no tracking of inputs. - [Pythagorean Theorem Calculator](https://3tej.com/tools/pythagorean-theorem-calculator): Pythagorean Theorem Calculator takes numbers, ranges, parameters and returns the matching pythagorean theorem result. Runs entirely in your browser. No login, no tracking of inputs. - [Quadratic Equation Solver](https://3tej.com/tools/quadratic-solver): Quadratic Equation Solver takes numbers, ranges, parameters and returns the matching quadratic equation solver result. Runs entirely in your browser. No login, no tracking of inputs. - [Ratio + Proportion Calculator](https://3tej.com/tools/ratio-proportion-calculator): Ratio + Proportion Calculator takes numbers, ranges, parameters and returns the matching ratio + proportion result. Runs entirely in your browser. No login, no tracking of inputs. - [Ratio Calculator](https://3tej.com/tools/ratio-calculator): Simplify any whole-number ratio a:b using the greatest common divisor, then scale it by a factor. - [RGB to Hex Converter](https://3tej.com/tools/rgb-hex-converter): RGB to Hex Converter takes string, regex, format, count and returns the matching rgb to hex result. Runs entirely in your browser. No login, no tracking of inputs. - [Rice Water Ratio Calculator](https://3tej.com/tools/rice-water-ratio-calculator): Rice Water Ratio Calculator takes numbers, ranges, parameters and returns the matching rice water ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Right Triangle Calculator](https://3tej.com/tools/right-triangle): Right Triangle Calculator takes numbers, ranges, parameters and returns the matching right triangle result. Runs entirely in your browser. No login, no tracking of inputs. - [Roman Numeral Converter](https://3tej.com/tools/roman-numeral-converter): Roman Numeral Converter takes source value and source unit and returns the matching roman numeral result. Runs entirely in your browser. No login, no tracking of inputs. - [Scientific Notation Converter](https://3tej.com/tools/scientific-notation-converter): Convert any number to scientific notation (a x 10^b) or engineering notation where b is a multiple of 3. - [Speed Distance Time Calculator](https://3tej.com/tools/speed-distance-time-calculator): Speed = Distance ÷ Time. Solve for any of the three. - [Speed of Light Calculator](https://3tej.com/tools/speed-of-light-distance-calculator): c = 299,792,458 m/s. Light reaches Sun in 8 min, Moon in 1.3 sec. - [Sphere Volume + Surface Area](https://3tej.com/tools/sphere-volume-calculator): Sphere Volume + Surface Area takes numbers, ranges, parameters and returns the matching sphere volume + surface area result. Runs entirely in your browser. No login, no tracking of inputs. - [Standard Deviation](https://3tej.com/tools/standard-deviation): Standard Deviation computes standard deviation, variance from numeric dataset. Runs entirely in your browser. No login, no tracking of inputs. Best for Sample dispersion measure. - [T-Test Calculator](https://3tej.com/tools/t-test-calculator): Compare two sample means. Significant if p < 0.05. - [Trapezoid Area Calculator](https://3tej.com/tools/trapezoid-area-calculator): Trapezoid Area Calculator takes numbers, ranges, parameters and returns the matching trapezoid area result. Runs entirely in your browser. No login, no tracking of inputs. - [Triangle Area Calculator](https://3tej.com/tools/triangle-area-calculator): Triangle Area Calculator takes numbers, ranges, parameters and returns the matching triangle area result. Runs entirely in your browser. No login, no tracking of inputs. - [Triangle Calculator](https://3tej.com/tools/triangle-calculator): Triangle Calculator takes numbers, ranges, parameters and returns the matching triangle result. Runs entirely in your browser. No login, no tracking of inputs. - [Volume Calculator](https://3tej.com/tools/volume-calculator): Cube, sphere, cylinder, cone, pyramid, rectangular box, ellipsoid, capsule. - [Waist-to-Height Ratio Calculator](https://3tej.com/tools/waist-to-height-ratio-calculator): Waist-to-Height Ratio Calculator takes numbers, ranges, parameters and returns the matching waist-to-height ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Waist-to-Hip Ratio Calculator](https://3tej.com/tools/waist-to-hip-ratio-calculator): Waist-to-Hip Ratio Calculator takes numbers, ranges, parameters and returns the matching waist-to-hip ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Weighted Average Grade Calculator](https://3tej.com/tools/weighted-average-grade-calculator): Σ (score × weight) / Σ weights = final grade. - [Z-Score Calculator](https://3tej.com/tools/z-score-calculator): Z-Score Calculator takes sample data, hypothesis, confidence level and returns the matching z-score result. Runs entirely in your browser. No login, no tracking of inputs. ## Files & Media (51 tools) > Image, PDF, audio, and video utilities running entirely in your browser. - [AI Image to Prompt](https://3tej.com/tools/ai-image-to-prompt): AI Image to Prompt takes string, regex, format, count and returns the matching ai image to prompt result. Runs entirely in your browser. No login, no tracking of inputs. - [Audio Bitrate Calculator](https://3tej.com/tools/audio-bitrate-calculator): MP3 320 kbps ~ CD quality. FLAC lossless ~1000 kbps. - [Audio Merge](https://3tej.com/tools/audio-merge): Concatenate multiple audio clips. - [Audio Speed](https://3tej.com/tools/audio-change-speed): Speed up or slow down. (Pitch shifts with speed.) - [Audio Trim](https://3tej.com/tools/audio-trim): Trim an audio file by start and end seconds. - [Background Remover](https://3tej.com/tools/background-remover): Background Remover computes estimated BAC, time to sober from drinks consumed, weight, sex, hours since first drink. Runs entirely in your browser. No login, no tracking of inputs. Best for Blood alcohol estimate. - [Boost Volume](https://3tej.com/tools/audio-boost-volume): Boost an audio file is volume. - [Depth of Field Calculator](https://3tej.com/tools/depth-of-field-calculator): Depth of Field Calculator is a free photo & video calculator that gives you a deterministic answer for depth of field questions. Runs entirely in your browser. No login, no tracking of inputs. - [EXIF and Metadata Remover](https://3tej.com/tools/exif-remover): Strip EXIF, GPS, camera, and embedded metadata from JPG / PNG / WebP - re-encode in your browser. - [Extract Pages](https://3tej.com/tools/pdf-extract-pages): Pick pages to extract into a new PDF. - [Frame Rate / Frame Time](https://3tej.com/tools/frame-rate-frame-time-calculator): Frame Rate / Frame Time is a free photo & video calculator that gives you a deterministic answer for frame rate / frame time questions. Runs entirely in your browser. No login, no tracking of inputs. - [Image Blur](https://3tej.com/tools/image-blur): Blur an image. Adjustable radius. - [Image Compressor](https://3tej.com/tools/image-compressor): Compress JPG / PNG / WebP entirely in your browser. Adjustable quality, optional resize. No upload to any server. - [Image Crop](https://3tej.com/tools/image-crop): ✂️ Crop image. Drag to select or enter exact coordinates. - [Image Cropper (Aspect Ratio Presets)](https://3tej.com/tools/image-cropper): Crop any image to a preset aspect ratio (1:1, 4:5, 16:9, etc.) with center or edge alignment. - [Image Flip](https://3tej.com/tools/image-flip): Flip horizontally or vertically. - [Image Resize](https://3tej.com/tools/image-resize): Resize an image to any dimension. Maintain ratio or stretch. - [Image Resizer](https://3tej.com/tools/image-resizer): Resize images by exact pixel dimensions. Lock aspect ratio. Output as JPEG, PNG, or WebP. - [Image Rotate](https://3tej.com/tools/image-rotate): Rotate by any angle. Browser-only, instant. - [Image to Base64](https://3tej.com/tools/image-to-base64): Image to Base64 takes string, regex, format, count and returns the matching image to base64 result. Runs entirely in your browser. No login, no tracking of inputs. - [Image to Text (OCR)](https://3tej.com/tools/image-to-text): A Image to Text (OCR) converts Image into Text (OCR) directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Image Upscale](https://3tej.com/tools/image-upscale): Bicubic upscale 2× / 3× / 4×. Best for line art and small images. - [Image Watermark](https://3tej.com/tools/image-watermark): Add a text watermark. Choose position, opacity, color. - [Merge Images](https://3tej.com/tools/image-merge): Stitch multiple images together. Horizontal, vertical, or grid. - [Open Graph Image Resizer (1200 x 630)](https://3tej.com/tools/open-graph-image-resizer): Resize any image to 1200 x 630 (Open Graph / Twitter Card) - cover or contain modes. - [PDF Compress](https://3tej.com/tools/pdf-compress): Compress a PDF. Re-stream metadata or rasterize for size. - [PDF Merge](https://3tej.com/tools/pdf-merge): Combine PDFs into one document. - [PDF Protect](https://3tej.com/tools/pdf-protect): Adding a password to a PDF locks the document so it can only be opened (or modified, depending on permissions) by someone who knows the password. - [PDF Rotate](https://3tej.com/tools/pdf-rotate): Scanned documents, photographed receipts, and converted slides often end up sideways or upside down in PDF form. - [PDF Split](https://3tej.com/tools/pdf-split): Split a PDF. Each page → separate file, or extract specific ranges. - [PDF to Image Converter](https://3tej.com/tools/pdf-to-image-converter): A PDF to Image Converter converts PDF into Image directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [PDF to Word Converter](https://3tej.com/tools/pdf-to-word): PDF to Word Converter takes source value and source unit and returns the matching pdf to word result. Runs entirely in your browser. No login, no tracking of inputs. - [PDF Unlock](https://3tej.com/tools/pdf-unlock): Open a permission-restricted PDF and save without restrictions. - [PDF Watermark](https://3tej.com/tools/pdf-watermark): Stamp every page with a text watermark. - [Photography Exposure Calculator](https://3tej.com/tools/photography-aperture-calculator): Photography Exposure Calculator is a free photo & video calculator that gives you a deterministic answer for photography exposure questions. Runs entirely in your browser. No login, no tracking of inputs. - [QR Code Capacity Calculator](https://3tej.com/tools/qr-code-data-calculator): QR Code Capacity Calculator takes string, regex, format, count and returns the matching qr code capacity result. Runs entirely in your browser. No login, no tracking of inputs. - [QR Code Generator](https://3tej.com/tools/qr-generator): QR Code Generator takes string, regex, format, count and returns the matching qr code generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Remove Background](https://3tej.com/tools/image-remove-background): Remove Background computes estimated BAC, time to sober from drinks consumed, weight, sex, hours since first drink. Runs entirely in your browser. No login, no tracking of inputs. Best for Blood alcohol estimate. - [Resize Image to 100 KB](https://3tej.com/tools/resize-image-to-100kb): A Resize Image to 100 KB converts Resize Image into 100 KB directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Resize Image to 20 KB](https://3tej.com/tools/resize-image-to-20kb): A Resize Image to 20 KB converts Resize Image into 20 KB directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Resize Image to 200 KB](https://3tej.com/tools/resize-image-to-200kb): A Resize Image to 200 KB converts Resize Image into 200 KB directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Resize Image to 50 KB](https://3tej.com/tools/resize-image-to-50kb): A Resize Image to 50 KB converts Resize Image into 50 KB directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [RSU vs ISO Comparison](https://3tej.com/tools/rsu-vs-iso-calculator): RSU vs ISO Comparison takes filing status, wages, deductions, credits and returns the matching rsu vs iso comparison result. Runs entirely in your browser. No login, no tracking of inputs. - [UPI QR Code Generator](https://3tej.com/tools/upi-qr-generator): UPI QR Code Generator takes string, regex, format, count and returns the matching upi qr code generator result. Runs entirely in your browser. No login, no tracking of inputs. - [Video Crop](https://3tej.com/tools/video-crop): Cropping video changes the frame area shown - removing the edges of each frame to a smaller rectangle. The most common use today is converting landscape (16:9) source to portrait (9:16) for Reels / TikTok / Stories. - [Video File Size Calculator](https://3tej.com/tools/video-file-size-calculator): Bitrate × duration = file size. 4K HDR ~25-50 MB/min, 1080p ~10-20. - [Video Flip](https://3tej.com/tools/video-flip): Flip a video horizontally or vertically. - [Video Merge](https://3tej.com/tools/video-merge): Combine multiple video clips into one. - [Video Resize](https://3tej.com/tools/video-resize): Resize a video to any width / height. - [Video Rotate](https://3tej.com/tools/video-rotate): Phone videos shot in portrait sometimes save with the wrong rotation flag - they look upright in Photos.app but land sideways when emailed or uploaded to a different platform. - [Video Trim](https://3tej.com/tools/video-trim): Trim a video by start and end seconds. ## Health & Medical (36 tools) > BMI, BMR, dosing, clinical scores, and other health and medical math. - [😴 Sleep Cycle Calculator](https://3tej.com/tools/sleep-cycle): 😴 Sleep Cycle Calculator takes height, weight, age, sex, activity and returns the matching 😴 sleep cycle result. Runs entirely in your browser. No login, no tracking of inputs. - [A1C to Blood Glucose Calculator](https://3tej.com/tools/a1c-to-blood-glucose-calculator): A1C to Blood Glucose Calculator takes height, weight, age, sex, activity and returns the matching a1c to blood glucose result. Runs entirely in your browser. No login, no tracking of inputs. - [Adult Height Predictor](https://3tej.com/tools/adult-height-predictor): Adult Height Predictor takes height, weight, age, sex, activity and returns the matching adult height predictor result. Runs entirely in your browser. No login, no tracking of inputs. - [Amoxicillin Pediatric Dosage Calculator](https://3tej.com/tools/amoxicillin-pediatric-dosage-calculator): amoxicillin pediatric dose, mg/kg amoxicillin, AAP otitis media, strep pharyngitis, CAP child antibiotic amoxicillin pediatric dosage calculator free 3tej calculator - [Anion Gap Calculator](https://3tej.com/tools/anion-gap-calculator): Anion Gap Calculator takes height, weight, age, sex, activity and returns the matching anion gap result. Runs entirely in your browser. No login, no tracking of inputs. - [Blood Alcohol (BAC) Calculator](https://3tej.com/tools/bac-calculator): Blood Alcohol (BAC) Calculator computes estimated BAC, time to sober from drinks consumed, weight, sex, hours since first drink. Runs entirely in your browser. No login, no tracking of inputs. Best for Blood alcohol estimate. - [Blood Pressure Calculator](https://3tej.com/tools/blood-pressure-calculator): Blood Pressure Calculator takes height, weight, age, sex, activity and returns the matching blood pressure result. Runs entirely in your browser. No login, no tracking of inputs. - [BMI Calculator](https://3tej.com/tools/bmi-calculator): BMI Calculator computes BMI value, category band from height, weight. Runs entirely in your browser. No login, no tracking of inputs. Best for Adult BMI check. - [BMI vs Body Fat Comparison](https://3tej.com/tools/bmi-vs-body-fat-comparison-calculator): BMI vs Body Fat Comparison computes BMI value, category band from height, weight. Runs entirely in your browser. No login, no tracking of inputs. Best for Adult BMI check. - [BMR Calculator](https://3tej.com/tools/bmr-calculator): BMR Calculator takes height, weight, age, sex, activity and returns the matching bmr result. Runs entirely in your browser. No login, no tracking of inputs. - [Body Fat 3-Site Skinfold Calculator](https://3tej.com/tools/body-fat-calculator-3site): Body Fat 3-Site Skinfold Calculator computes body fat %, category from sex, age, weight, neck, waist, hip. Runs entirely in your browser. No login, no tracking of inputs. Best for Body fat estimate. - [Body Fat Calculator](https://3tej.com/tools/body-fat-calculator): Body Fat Calculator computes body fat %, category from sex, age, weight, neck, waist, hip. Runs entirely in your browser. No login, no tracking of inputs. Best for Body fat estimate. - [Body Fat Percentage Calculator (Navy)](https://3tej.com/tools/body-fat-percentage-calculator): Body Fat Percentage Calculator (Navy) computes body fat %, category from sex, age, weight, neck, waist, hip. Runs entirely in your browser. No login, no tracking of inputs. Best for Body fat estimate. - [Body Surface Area Calculator](https://3tej.com/tools/body-surface-area-calculator): Body Surface Area Calculator takes numbers, ranges, parameters and returns the matching body surface area result. Runs entirely in your browser. No login, no tracking of inputs. - [Bone Mass Calculator](https://3tej.com/tools/bone-mass-calculator): Bone mass typically 3-5 percent of body weight. - [Calorie Calculator (BMR & TDEE)](https://3tej.com/tools/calorie-calculator): Calorie Calculator (BMR & TDEE) computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Calorie Deficit Calculator](https://3tej.com/tools/calorie-deficit-calculator): Calorie Deficit Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Calories Burned Running Calculator](https://3tej.com/tools/calories-burned-running-calculator): Calories Burned Running Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Calories Burned Walking Calculator](https://3tej.com/tools/calories-burned-walking-calculator): Calories Burned Walking Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Child-Pugh Score Calculator](https://3tej.com/tools/child-pugh-calculator): Child-Pugh Score Calculator takes height, weight, age, sex, activity and returns the matching child-pugh score result. Runs entirely in your browser. No login, no tracking of inputs. - [Cholesterol Ratio Calculator](https://3tej.com/tools/cholesterol-ratio-calculator): Cholesterol Ratio Calculator takes height, weight, age, sex, activity and returns the matching cholesterol ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Creatinine Clearance (Cockcroft-Gault)](https://3tej.com/tools/creatinine-clearance-calculator): Creatinine Clearance (Cockcroft-Gault) takes height, weight, age, sex, activity and returns the matching creatinine clearance (cockcroft-gault) result. Runs entirely in your browser. No login, no tracking of inputs. - [eGFR Calculator (CKD-EPI 2021)](https://3tej.com/tools/egfr-ckd-epi-calculator): eGFR Calculator (CKD-EPI 2021) takes height, weight, age, sex, activity and returns the matching egfr calculator (ckd-epi 2021) result. Runs entirely in your browser. No login, no tracking of inputs. - [Exercise Calorie by Activity](https://3tej.com/tools/exercise-calorie-by-activity-calculator): Exercise Calorie by Activity computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Hiking Calorie Calculator](https://3tej.com/tools/hiking-calorie-calculator): Hiking Calorie Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Ideal Body Weight Calculator (Devine)](https://3tej.com/tools/ideal-body-weight-calculator): Ideal Body Weight Calculator (Devine) takes height, weight, age, sex, activity and returns the matching ideal body weight calculator (devine) result. Runs entirely in your browser. No login, no tracking of inputs. - [Kids BMI Percentile Calculator](https://3tej.com/tools/bmi-percentile-kids-calculator): Kids BMI Percentile Calculator computes BMI value, category band from height, weight. Runs entirely in your browser. No login, no tracking of inputs. Best for Adult BMI check. - [Lean Body Mass Calculator](https://3tej.com/tools/lean-body-mass-calculator): Lean Body Mass Calculator takes height, weight, age, sex, activity and returns the matching lean body mass result. Runs entirely in your browser. No login, no tracking of inputs. - [Pediatric Medication Dosage](https://3tej.com/tools/pediatric-medication-dosage-calculator): Pediatric Medication Dosage computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Period Tracker Calculator](https://3tej.com/tools/period-tracker-calculator): Next three periods plus fertile window for each cycle. - [Protein Intake Calculator](https://3tej.com/tools/protein-intake-calculator): Protein Intake Calculator takes height, weight, age, sex, activity and returns the matching protein intake result. Runs entirely in your browser. No login, no tracking of inputs. - [Sleep Debt Calculator](https://3tej.com/tools/sleep-debt-calculator): Sleep Debt Calculator takes height, weight, age, sex, activity and returns the matching sleep debt result. Runs entirely in your browser. No login, no tracking of inputs. - [Smoothie Calorie Calculator](https://3tej.com/tools/smoothie-calorie-calculator): Smoothie Calorie Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Streaming Bundle vs Individual](https://3tej.com/tools/subscription-streaming-bundle-calculator): A Streaming Bundle vs Individual Calculator computes streaming bundle vs individual from the inputs you provide. - [TDEE Calculator (Mifflin-St Jeor)](https://3tej.com/tools/tdee-calculator): TDEE Calculator (Mifflin-St Jeor) takes height, weight, age, sex, activity and returns the matching tdee calculator (mifflin-st jeor) result. Runs entirely in your browser. No login, no tracking of inputs. - [Water Intake Calculator](https://3tej.com/tools/water-intake-calculator): Water Intake Calculator takes height, weight, age, sex, activity and returns the matching water intake result. Runs entirely in your browser. No login, no tracking of inputs. ## Time & Date (34 tools) > Date math, age calculators, time-zone deltas, and business-day counters. - [⏱️ Stopwatch](https://3tej.com/tools/stopwatch): ⏱️ Stopwatch takes two timestamps or a base plus delta and returns the matching ⏱️ stopwatch result. Runs entirely in your browser. No login, no tracking of inputs. - [⏳ Countdown to Date](https://3tej.com/tools/countdown-to-date): ⏳ Countdown to Date takes two timestamps or a base plus delta and returns the matching ⏳ countdown to date result. Runs entirely in your browser. No login, no tracking of inputs. - [🌍 World Clock](https://3tej.com/tools/world-clock): 🌍 World Clock takes two timestamps or a base plus delta and returns the matching 🌍 world clock result. Runs entirely in your browser. No login, no tracking of inputs. - [🎂 Age Math Drill](https://3tej.com/tools/age-quiz): 🎂 Age Math Drill takes game state, settings, opponent profile and returns the matching 🎂 age math drill result. Runs entirely in your browser. No login, no tracking of inputs. - [Add Days to Date Calculator](https://3tej.com/tools/add-days-to-date-calculator): Add Days to Date Calculator computes date difference or future/past date from start date, end date, or duration. Runs entirely in your browser. No login, no tracking of inputs. Best for Date math. - [Age Calculator](https://3tej.com/tools/age-calculator): Age Calculator computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Age Difference Between Two People Calculator](https://3tej.com/tools/age-difference-precise-calculator): age difference, spouse age gap, sibling spacing, romeo juliet laws age difference between two people calculator free 3tej calculator - [Age Difference Calculator](https://3tej.com/tools/age-difference-calculator): Age Difference Calculator takes height, weight, age, sex, activity and returns the matching age difference result. Runs entirely in your browser. No login, no tracking of inputs. - [Age in Days Only Calculator](https://3tej.com/tools/age-in-days-only-calculator): age in days, days alive, exact age days, lifespan in days age in days only calculator free 3tej calculator - [Age in Days, Weeks, Months & Hours Calculator](https://3tej.com/tools/age-in-days-weeks-months-calculator): Age in Days, Weeks, Months Calculator is a free everyday utility calculator that gives you a deterministic answer for age in days, weeks, months questions. Runs entirely in your browser. No login, no tracking of inputs. - [Age in Decimal Years Calculator](https://3tej.com/tools/age-in-years-decimal-calculator): decimal age, actuarial age, pediatric growth chart, pet age conversion age in decimal years calculator free 3tej calculator - [Age in Hours Calculator (+ Heartbeats)](https://3tej.com/tools/age-in-hours-calculator): age in hours, heartbeats lifetime, total minutes alive, sleep hours age in hours calculator (+ heartbeats) free 3tej calculator - [Age in Months Only Calculator](https://3tej.com/tools/age-in-months-only-calculator): age in months, infant age, decimal years, calendar months age in months only calculator free 3tej calculator - [Age in Weeks Calculator](https://3tej.com/tools/age-in-weeks-calculator): Age in Weeks Calculator takes two timestamps or a base plus delta and returns the matching age in weeks result. Runs entirely in your browser. No login, no tracking of inputs. - [Bitcoin Halving Countdown](https://3tej.com/tools/bitcoin-halving-countdown): Bitcoin Halving Countdown takes token quantity, price, fees, holding period and returns the matching bitcoin halving countdown result. Runs entirely in your browser. No login, no tracking of inputs. - [Countdown Timer](https://3tej.com/tools/countdown-timer): Countdown to Date takes two timestamps or a base plus delta and returns the matching countdown to date result. Runs entirely in your browser. No login, no tracking of inputs. - [Countdown to Event](https://3tej.com/tools/countdown-to-event-calculator): Countdown to Event takes two timestamps or a base plus delta and returns the matching countdown to event result. Runs entirely in your browser. No login, no tracking of inputs. - [Date Calculator](https://3tej.com/tools/date-calculator): Date Calculator computes date difference or future/past date from start date, end date, or duration. Runs entirely in your browser. No login, no tracking of inputs. Best for Date math. - [Days Between Dates](https://3tej.com/tools/days-between-dates-calculator): Days Between Dates takes two timestamps or a base plus delta and returns the matching days between dates result. Runs entirely in your browser. No login, no tracking of inputs. - [Drainage Pipe Sizing Calculator](https://3tej.com/tools/drainage-pipe-calculator): Find the right pipe diameter from area, rainfall, and slope. - [Garage Door Cost Calculator](https://3tej.com/tools/garage-door-cost-calculator): Estimate replacement cost installed by door size and features. - [Language Learning Time Calculator](https://3tej.com/tools/language-learning-time-calculator): FSI data: 600-2200 hours to professional working. Romance: 600. Asian: 2200. - [Leap Year Checker](https://3tej.com/tools/leap-year-checker): Check whether any year is a Gregorian leap year. Returns yes or no with a clear explanation of the divisibility rules. - [Medicare Advantage vs Original](https://3tej.com/tools/medicare-advantage-vs-original): Medicare Advantage vs Original is a free us healthcare calculator that gives you a deterministic answer for medicare advantage vs original questions. Runs entirely in your browser. No login, no tracking of inputs. - [Printer Cost per Page](https://3tej.com/tools/printer-cost-per-page-calculator): Printer Cost per Page computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Propane Tank Usage Calculator](https://3tej.com/tools/propane-tank-usage-calculator): Propane Tank Usage Calculator computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Running Mileage Base Calculator](https://3tej.com/tools/running-mileage-base-calculator): Running Mileage Base Calculator takes vehicle price, down payment, rate, term and returns the matching running mileage base result. Runs entirely in your browser. No login, no tracking of inputs. - [Seedling Start Date Calculator](https://3tej.com/tools/seedling-start-date-calculator): Seedling Start Date Calculator computes date difference or future/past date from start date, end date, or duration. Runs entirely in your browser. No login, no tracking of inputs. Best for Date math. - [Sewing Fabric Yardage](https://3tej.com/tools/sewing-fabric-yardage-calculator): Sewing Fabric Yardage computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Sleep Need by Age Calculator](https://3tej.com/tools/sleep-need-by-age-calculator): Sleep Need by Age Calculator computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Stock Average Calculator](https://3tej.com/tools/stock-average-calculator): Calculate your weighted average cost basis when you accumulate shares through multiple purchases at different prices. The result tells you the break-even price for your position. - [Time Zone Converter](https://3tej.com/tools/time-zone-converter): Time Zone Converter takes two timestamps or a base plus delta and returns the matching time zone result. Runs entirely in your browser. No login, no tracking of inputs. - [Voltage Divider Calculator](https://3tej.com/tools/voltage-divider-calculator): Voltage Divider Calculator takes string, regex, format, count and returns the matching voltage divider result. Runs entirely in your browser. No login, no tracking of inputs. - [Working Days Calculator](https://3tej.com/tools/working-days-calculator): Working Days Calculator takes two timestamps or a base plus delta and returns the matching working days result. Runs entirely in your browser. No login, no tracking of inputs. ## Conversions (34 tools) > Length, weight, area, volume, temperature, time, and engineering unit conversions. - [AED Currency Converter](https://3tej.com/ae/tools/uae-currency-converter): AED Currency Converter computes converted amount at current FX rate from amount, source currency, target currency. Runs entirely in your browser. No login, no tracking of inputs. Best for Currency conversion. - [Astronomical Unit (AU) Converter](https://3tej.com/tools/astronomical-unit-converter): AU to km, AU to light-years, astronomical unit, solar system distances, parsec astronomical unit (au) converter free 3tej calculator - [Audio to MP3](https://3tej.com/tools/audio-to-mp3): A Audio to MP3 converts Audio into MP3 directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Celsius ↔ Fahrenheit Converter](https://3tej.com/tools/celsius-fahrenheit-converter): Celsius ↔ Fahrenheit Converter takes source value and source unit and returns the matching celsius ↔ fahrenheit result. Runs entirely in your browser. No login, no tracking of inputs. - [Celsius to Fahrenheit Converter](https://3tej.com/tools/celsius-to-fahrenheit-converter): Celsius to Fahrenheit Converter takes source value and source unit and returns the matching celsius to fahrenheit result. Runs entirely in your browser. No login, no tracking of inputs. - [Convert Now vs Don't Convert: Pay tax today at 22% or wait and pay tax at 28% on a much larger balance - the Roth conversion math.](https://3tej.com/tools/roth-conversion-vs-not): roth conversion vs not, should i do a roth conversion, roth conversion calculator, traditional ira to roth, conversion ladder convert now vs don't convert: pay tax today at 22% or wait and pay tax at 28% on a much larger - [Currency Converter](https://3tej.com/tools/currency-converter): Convert between any two currencies using current FX rates. Useful for travel budgets, international invoicing, and cross border salary comparisons. - [Date and Time Converter](https://3tej.com/tools/date-time-converter): Date and Time Converter is a free photo & video calculator that gives you a deterministic answer for date and time questions. Runs entirely in your browser. No login, no tracking of inputs. - [Feet to Meters Converter](https://3tej.com/tools/feet-to-meters-converter): Feet to Meters Converter computes length in the other unit from length value, source unit. Runs entirely in your browser. No login, no tracking of inputs. Best for Length conversion. - [Forex Currency Converter](https://3tej.com/tools/forex-currency-converter): Forex Currency Converter computes converted amount at current FX rate from amount, source currency, target currency. Runs entirely in your browser. No login, no tracking of inputs. Best for Currency conversion. - [Funnel Conversion Calculator](https://3tej.com/tools/funnel-conversion-calculator): Funnel Conversion Calculator takes source value and source unit and returns the matching funnel conversion result. Runs entirely in your browser. No login, no tracking of inputs. - [Hex to CMYK Converter](https://3tej.com/tools/hex-to-cmyk-converter): Hex to CMYK Converter takes source value and source unit and returns the matching hex to cmyk result. Runs entirely in your browser. No login, no tracking of inputs. - [Image to JPG](https://3tej.com/tools/image-to-jpg): A Image to JPG converts Image into JPG directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Image to PDF Converter](https://3tej.com/tools/image-to-pdf-converter): A Image to PDF Converter converts Image into PDF directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Image to PNG](https://3tej.com/tools/image-to-png): A Image to PNG converts Image into PNG directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Image to WebP](https://3tej.com/tools/image-to-webp): A Image to WebP converts Image into WebP directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [JPG to PDF](https://3tej.com/tools/jpg-to-pdf): A JPG to PDF converts JPG into PDF directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Kelvin ↔ Celsius Absolute Temperature Converter](https://3tej.com/tools/kelvin-to-celsius-conversion): kelvin celsius absolute zero, SI temperature, thermodynamics, gas laws kelvin ↔ celsius absolute temperature converter free 3tej calculator - [Kilograms ↔ Pounds Converter](https://3tej.com/tools/kg-to-lbs-converter): Kilograms ↔ Pounds Converter takes source value and source unit and returns the matching kilograms ↔ pounds result. Runs entirely in your browser. No login, no tracking of inputs. - [Lakh / Crore ↔ Million / Billion](https://3tej.com/tools/lakh-crore-converter): Lakh / Crore ↔ Million / Billion takes source value and source unit and returns the matching lakh / crore ↔ million / billion result. Runs entirely in your browser. No login, no tracking of inputs. - [Miles ↔ Kilometers Converter](https://3tej.com/tools/miles-to-km-converter): Miles ↔ Kilometers Converter takes source value and source unit and returns the matching miles ↔ kilometers result. Runs entirely in your browser. No login, no tracking of inputs. - [MP3 to MP4](https://3tej.com/tools/mp3-to-mp4): A MP3 to MP4 converts MP3 into MP4 directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. Useful for YouTube uploads. - [MP4 to MP3](https://3tej.com/tools/mp4-to-mp3): A MP4 to MP3 converts MP4 into MP3 directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. Adjustable bitrate. - [PNG to WebP Converter](https://3tej.com/tools/png-to-webp-converter): A PNG to WebP Converter converts PNG into WebP directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Precise Celsius ↔ Fahrenheit Temperature Converter](https://3tej.com/tools/celsius-to-fahrenheit-precise): celsius fahrenheit formula, temperature conversion, body temperature, room temperature precise celsius ↔ fahrenheit temperature converter free 3tej calculator - [Precise Inches ↔ Centimeters Converter](https://3tej.com/tools/inches-to-cm-precise): inches to cm, TV size, height conversion, US imperial vs metric precise inches ↔ centimeters converter free 3tej calculator - [Precise Kilograms ↔ Pounds Converter](https://3tej.com/tools/kilograms-to-pounds-precise): kg to lb, body weight, stone UK, troy ounce, avoirdupois pound precise kilograms ↔ pounds converter free 3tej calculator - [Roth Conversion Calculator](https://3tej.com/tools/roth-conversion-calculator): Roth Conversion Calculator computes net after tax balance for each path from traditional IRA balance, marginal tax rate, future rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Deciding whether to convert a traditional IRA to Roth. - [Roth Conversion Ladder](https://3tej.com/tools/roth-conversion-ladder-calculator): Roth Conversion Ladder computes net after tax balance for each path from traditional IRA balance, marginal tax rate, future rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Deciding whether to convert a traditional IRA to Roth. - [Temperature Quick Converter](https://3tej.com/tools/celsius-to-fahrenheit-quick-converter): Temperature Quick Converter takes source value and source unit and returns the matching temperature quick result. Runs entirely in your browser. No login, no tracking of inputs. - [Unit Converter](https://3tej.com/tools/unit-converter): Unit Converter takes source value and source unit and returns the matching unit result. Runs entirely in your browser. No login, no tracking of inputs. - [Video to MP4](https://3tej.com/tools/video-to-mp4): A Video to MP4 converts Video into MP4 directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. Universal compatibility. - [Word to PDF](https://3tej.com/tools/word-to-pdf): A Word to PDF converts Word into PDF directly in your browser. It parses the source format, applies the standard mapping or formula, and outputs the target format ready to copy. - [Yeast Conversion Calculator](https://3tej.com/tools/yeast-conversion-calculator): Yeast Conversion Calculator takes source value and source unit and returns the matching yeast conversion result. Runs entirely in your browser. No login, no tracking of inputs. ## UK Finance (35 tools) > HMRC PAYE, National Insurance, ISA, LISA, SIPP, stamp duty, and Scottish/English bands. - [2026/27 UK PAYE Bands](https://3tej.com/tools/2026-uk-paye-bands): 2026/27 UK PAYE Bands computes PAYE tax, NI, take-home from salary, tax code, pension contributions, student loan. Runs entirely in your browser. No login, no tracking of inputs. Best for UK PAYE estimate. - [2027/28 - projected UK PAYE Bands](https://3tej.com/tools/2027-uk-paye-bands): 2027/28 - projected UK PAYE Bands computes PAYE tax, NI, take-home from salary, tax code, pension contributions, student loan. Runs entirely in your browser. No login, no tracking of inputs. Best for UK PAYE estimate. - [Council Tax Calculator](https://3tej.com/uk/tools/uk-council-tax): Council Tax Calculator computes annual and monthly council tax from band, local authority. Runs entirely in your browser. No login, no tracking of inputs. Best for Council tax estimate. - [Dividend Tax Calculator](https://3tej.com/uk/tools/uk-dividend-tax): Dividend Tax Calculator takes salary, allowance, pension, student loan and returns the matching dividend tax result. Runs entirely in your browser. No login, no tracking of inputs. - [ISA Calculator](https://3tej.com/uk/tools/uk-isa-calculator): ISA Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [Lifetime ISA Calculator](https://3tej.com/uk/tools/uk-lisa): Lifetime ISA Calculator computes lifetime ISA balance with 25% bonus from annual contribution, years to home, return rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Sizing a UK Lifetime ISA for a first home. - [National Insurance Calculator](https://3tej.com/uk/tools/uk-ni-calculator): National Insurance Calculator computes employee NI, employer NI from salary, NI category. Runs entirely in your browser. No login, no tracking of inputs. Best for UK National Insurance estimate. - [PAYE Income Tax Calculator](https://3tej.com/uk/tools/uk-income-tax): PAYE Income Tax Calculator computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [Pension Calculator](https://3tej.com/uk/tools/uk-pension): Pension Calculator computes pension pot, tax relief captured from salary, contribution, employer match, years to retirement. Runs entirely in your browser. No login, no tracking of inputs. Best for UK pension projection. - [SIPP Calculator (2025/26)](https://3tej.com/uk/tools/uk-sipp-calculator): SIPP Calculator (2025/26) takes salary, allowance, pension, student loan and returns the matching sipp calculator (2025/26) result. Runs entirely in your browser. No login, no tracking of inputs. - [Stamp Duty (SDLT) Calculator](https://3tej.com/uk/tools/uk-stamp-duty): Stamp Duty (SDLT) Calculator takes salary, allowance, pension, student loan and returns the matching stamp duty (sdlt) result. Runs entirely in your browser. No login, no tracking of inputs. - [UK Buy-to-Let Calculator](https://3tej.com/uk/tools/uk-buy-to-let): UK Buy-to-Let Calculator takes salary, allowance, pension, student loan and returns the matching uk buy-to-let result. Runs entirely in your browser. No login, no tracking of inputs. - [UK Capital Gains Tax](https://3tej.com/uk/tools/uk-capital-gains): UK Capital Gains Tax takes salary, allowance, pension, student loan and returns the matching uk capital gains tax result. Runs entirely in your browser. No login, no tracking of inputs. - [UK Energy Bill + EPC Calculator](https://3tej.com/tools/uk-energy-bill-epc-calculator): UK Energy Bill + EPC Calculator is a free uk energy calculator that gives you a deterministic answer for uk energy bill + epc questions. Runs entirely in your browser. No login, no tracking of inputs. - [UK Inheritance Tax (IHT)](https://3tej.com/uk/tools/uk-inheritance-tax): UK Inheritance Tax (IHT) takes salary, allowance, pension, student loan and returns the matching uk inheritance tax (iht) result. Runs entirely in your browser. No login, no tracking of inputs. - [UK ISA Growth Calculator](https://3tej.com/tools/uk-isa-calculator): UK ISA Growth Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [UK Late Tax Filing Penalty Calculator](https://3tej.com/uk/tools/uk-late-filing-penalty-calculator): Estimate HMRC late filing penalties under Schedule 55 of the Finance Act 2009 for Self Assessment and Corporation Tax returns. Includes GBP 100 fixed, GBP 10 per day after 3 months (GBP 900 cap), greater of 5% or GBP 300 at 6 and 12 months, plus official-rate interest (BoE base + 4%). 2026 rates. - [UK Lifetime ISA (LISA) Calculator](https://3tej.com/tools/uk-lisa-calculator): The Lifetime ISA gives UK residents aged 18 to 39 a 25% government bonus on contributions up to 4,000 GBP per year, used for a first home or retirement at 60. - [UK National Insurance Calculator](https://3tej.com/tools/uk-ni-calculator): UK National Insurance Calculator computes employee NI, employer NI from salary, NI category. Runs entirely in your browser. No login, no tracking of inputs. Best for UK National Insurance estimate. - [UK PAYE Calculator](https://3tej.com/tools/uk-paye-calculator): PAYE (Pay As You Earn) is the UK's automatic income tax and National Insurance withholding system. Calculate your monthly and annual deductions from gross salary. - [UK Pension Annual Allowance](https://3tej.com/tools/uk-pension-annual-allowance): UK Pension Annual Allowance computes pension pot, tax relief captured from salary, contribution, employer match, years to retirement. Runs entirely in your browser. No login, no tracking of inputs. Best for UK pension projection. - [UK Pension Drawdown Calculator](https://3tej.com/tools/uk-pension-drawdown-calculator): UK Pension Drawdown Calculator computes pension pot, tax relief captured from salary, contribution, employer match, years to retirement. Runs entirely in your browser. No login, no tracking of inputs. Best for UK pension projection. - [UK Pension Tax Relief Calculator](https://3tej.com/tools/uk-pension-tax-relief-calculator): UK pension contributions receive tax relief at your marginal rate. Calculate the effective cost of a pension contribution after the tax relief is applied. - [UK Salary Calculator](https://3tej.com/uk/tools/uk-salary-calculator): UK Salary Calculator computes income tax, NI, take-home from salary, tax code, pension, student loan. Runs entirely in your browser. No login, no tracking of inputs. Best for UK take-home pay estimate. - [UK SDLT Non-Resident + Second Home Calculator (2026)](https://3tej.com/tools/uk-sdlt-non-resident-calculator): UK SDLT Non-Resident + Second Home Calculator (2026) takes salary, allowance, pension, student loan and returns the matching uk sdlt non-resident + second home calculator (2026) result. Runs entirely in your browser. No login, no tracking of inputs. - [UK SDLT Stamp Duty Calculator](https://3tej.com/tools/uk-sdlt-calculator): UK SDLT Stamp Duty Calculator takes salary, allowance, pension, student loan and returns the matching uk sdlt stamp duty result. Runs entirely in your browser. No login, no tracking of inputs. - [UK SIPP Retirement Calculator](https://3tej.com/tools/uk-sipp-calculator): UK SIPP Retirement Calculator takes salary, allowance, pension, student loan and returns the matching uk sipp retirement result. Runs entirely in your browser. No login, no tracking of inputs. - [UK SIPP vs ISA vs LISA Decision Quiz 2026](https://3tej.com/tools/uk-sipp-vs-isa-vs-lisa-quiz): UK SIPP vs ISA vs LISA Decision Quiz 2026 computes lifetime ISA balance with 25% bonus from annual contribution, years to home, return rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Sizing a UK Lifetime ISA for a first home. - [UK Skilled Worker Visa Eligibility Checker 2026](https://3tej.com/tools/uk-skilled-worker-visa-calculator): UK Skilled Worker Visa Eligibility Checker 2026 computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [UK State Pension Forecast](https://3tej.com/tools/uk-state-pension-forecast): UK State Pension Forecast takes salary, allowance, pension, student loan and returns the matching uk state pension forecast result. Runs entirely in your browser. No login, no tracking of inputs. - [UK Student Loan Repayment Calculator](https://3tej.com/uk/tools/uk-student-loan): UK Student Loan Repayment Calculator computes monthly payment, total interest, payoff date from loan balance, rate, term, plan. Runs entirely in your browser. No login, no tracking of inputs. Best for Student loan repayment planning. - [UK TV Licence Calculator](https://3tej.com/tools/uk-tv-licence-calculator): UK TV Licence Calculator is a free uk household calculator that gives you a deterministic answer for uk tv licence questions. Runs entirely in your browser. No login, no tracking of inputs. - [UK VAT Threshold Calculator](https://3tej.com/tools/uk-vat-threshold-calculator): UK VAT Threshold Calculator computes VAT amount, total with VAT, reverse VAT from pre-tax amount, VAT rate. Runs entirely in your browser. No login, no tracking of inputs. Best for VAT calculation. - [UK Workplace Pension Calculator](https://3tej.com/tools/uk-workplace-pension-calculator): UK Workplace Pension Calculator takes salary, allowance, pension, student loan and returns the matching uk workplace pension result. Runs entirely in your browser. No login, no tracking of inputs. - [VAT Calculator](https://3tej.com/uk/tools/uk-vat): VAT Calculator computes VAT amount, total with VAT, reverse VAT from pre-tax amount, VAT rate. Runs entirely in your browser. No login, no tracking of inputs. Best for VAT calculation. ## Sport & Fitness (33 tools) > Running pace, VO2 max, 1RM, training zones, and endurance math. - [1RM Calculator (Epley & Brzycki)](https://3tej.com/tools/1rm-calculator): Estimate your one-rep max from weight and reps using the Epley and Brzycki formulas side by side. - [Basketball Efficiency Rating](https://3tej.com/tools/basketball-efficiency-rating): John Hollinger's PER. Overall single-number player rating. - [Bicep Curl 1RM Calculator](https://3tej.com/tools/bicep-curl-1rm-calculator): Bicep Curl 1RM Calculator takes pace, distance, heart rate, weight and returns the matching bicep curl 1rm result. Runs entirely in your browser. No login, no tracking of inputs. - [Bicycle Cadence Calculator](https://3tej.com/tools/bicycle-cadence-calculator): Cadence and gear inches from your speed and gear setup. - [Bike Frame Size Calculator](https://3tej.com/tools/bike-frame-size-calculator): Pick the right bike size by height. Get exact frame cm for road bikes and S/M/L for mountain or hybrid. - [Bowling Average Calculator](https://3tej.com/tools/bowling-average-calculator): Bowling Average Calculator computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Calories Burned Cycling Calculator](https://3tej.com/tools/calories-burned-cycling-calculator): Calories Burned Cycling Calculator computes daily calorie target from age, sex, weight, height, activity level. Runs entirely in your browser. No login, no tracking of inputs. Best for Daily calorie planning. - [Climbing Grade Converter](https://3tej.com/tools/climbing-grade-converter): A Climbing Grade Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Cycling FTP Power Zones](https://3tej.com/tools/cycling-ftp-zones-calculator): Cycling FTP Power Zones takes pace, distance, heart rate, weight and returns the matching cycling ftp power zones result. Runs entirely in your browser. No login, no tracking of inputs. - [Cycling Power-to-Weight Calculator](https://3tej.com/tools/cycling-power-calculator): Convert sustained cycling power and body weight into W/kg with Coggan rider category labels from recreational to pro. - [Golf Handicap Calculator](https://3tej.com/tools/golf-handicap-calculator): USGA: best 8 of last 20 differential rounds × 0.96 = handicap. - [Gym vs Home Gym Calculator](https://3tej.com/tools/gym-vs-home-gym-calculator): Compare the long term cost of a gym membership against a home gym setup over your planning horizon. - [Heart Rate Zones Calculator](https://3tej.com/tools/heart-rate-zones-calculator): Heart Rate Zones Calculator computes zone 1 to 5 BPM ranges from age, resting heart rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Training zone targeting. - [Marathon Fueling Calculator](https://3tej.com/tools/marathon-fueling-calculator): Marathon Fueling Calculator takes pace, distance, heart rate, weight and returns the matching marathon fueling result. Runs entirely in your browser. No login, no tracking of inputs. - [Marathon Pace Calculator](https://3tej.com/tools/marathon-pace-calculator): Marathon Pace Calculator computes pace per mile or km from distance, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Race pace and splits. - [Motorcycle Fuel Calculator](https://3tej.com/tools/motorcycle-fuel-calculator): Plan fuel stops for any motorcycle ride. Get total gallons, number of fillups, and trip cost in seconds. - [NFL Passer Rating](https://3tej.com/tools/football-passer-rating-calculator): 0-158.3 scale. Above 100 elite. NFL avg ~90. - [One Rep Max (1RM)](https://3tej.com/tools/one-rep-max): One Rep Max (1RM) takes pace, distance, heart rate, weight and returns the matching one rep max (1rm) result. Runs entirely in your browser. No login, no tracking of inputs. - [Pace Calculator](https://3tej.com/tools/pace-calculator): Pace Calculator computes pace per mile or km from distance, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Race pace and splits. - [Powerlifting Wilks Score](https://3tej.com/tools/powerlifting-wilks-calculator): Powerlifting Wilks Score takes pace, distance, heart rate, weight and returns the matching powerlifting wilks score result. Runs entirely in your browser. No login, no tracking of inputs. - [Race Time Predictor (Riegel)](https://3tej.com/tools/race-time-predictor): T2 = T1 × (D2/D1)^1.06 - Riegel's formula. Most accurate predictor. - [Rowing Pace Calculator](https://3tej.com/tools/rower-pace-calculator): Rowing Pace Calculator computes pace per mile or km from distance, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Race pace and splits. - [Running Cadence Calculator](https://3tej.com/tools/running-cadence-calculator): Optimal: 170-185 steps per minute. Under 165 = overstriding. - [Running Pace Calculator](https://3tej.com/tools/running-pace-calculator): Calculate running pace per mile and per kilometre from distance and finish time. - [Sprint Power Calculator](https://3tej.com/tools/sprint-power-calculator): P = F × v. Watts produced during sprinting from mass + acceleration. - [Swim Pace Calculator](https://3tej.com/tools/swim-pace-calculator): Swim Pace Calculator computes pace per mile or km from distance, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Race pace and splits. - [Swimming CSS Pace Calculator](https://3tej.com/tools/swimming-css-pace-calculator): Swimming CSS Pace Calculator computes pace per mile or km from distance, time. Runs entirely in your browser. No login, no tracking of inputs. Best for Race pace and splits. - [Swimming Pace Calculator](https://3tej.com/tools/swimming-pace-calculator): Calculate swimming pace per 100 metres and per 100 yards. Supports SCM, SCY, and LCM pool courses. - [Swimming Stroke Rate Calculator](https://3tej.com/tools/swimming-stroke-rate-calculator): A Swimming Stroke Rate Calculator computes swimming stroke rate from the inputs you provide. - [Tennis Elbow Rest Calculator](https://3tej.com/tools/tennis-elbow-rest-calculator): Mild: 2-4 weeks · Moderate: 6-12 weeks · Chronic: 6+ months. - [VO2 Max Calculator (Cooper + Rockport)](https://3tej.com/tools/vo2-max-calculator): VO2 Max Calculator (Cooper + Rockport) computes estimated VO2 max from age, sex, recent run pace or step test. Runs entirely in your browser. No login, no tracking of inputs. Best for Aerobic fitness estimate. - [Watts per kg Cycling Calculator](https://3tej.com/tools/watts-per-kg-cycling-calculator): W/kg is the great cycling equalizer. 4 W/kg = strong amateur. 6+ W/kg = pro. - [Wilks 2020 Score Calculator](https://3tej.com/tools/wilks-score-calculator): Calculate the Wilks 2020 powerlifting score from sex, body weight, and total lifted using the official polynomial coefficient. ## Loans & Debt (33 tools) > Mortgage, auto, student, personal, and credit-card loan math. Amortization schedules, refinance trade-offs, payoff strategies. - [15-Year Mortgage vs 30-Year Mortgage: Pay double the monthly to save hundreds of thousands in interest - the home loan math most buyers ignore.](https://3tej.com/tools/15-year-vs-30-year-mortgage): 15 year vs 30 year mortgage, 15 vs 30 year mortgage, 30 year mortgage vs 15 year, mortgage comparison, shorter mortgage interest 15-year mortgage vs 30-year mortgage: pay double the monthly to save hundreds of thousands - [15-Year vs 30-Year Mortgage Decision Quiz 2026](https://3tej.com/tools/15-year-vs-30-year-mortgage-quiz): 15-year vs 30-year mortgage 2026, opportunity cost, mortgage interest deduction, break-even market return 15-year vs 30-year mortgage decision quiz 2026 - [401(k) Loan Calculator](https://3tej.com/tools/401k-loan-calculator): 401(k) Loan Calculator computes monthly payment, total interest, opportunity cost from 401(k) balance, loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Sizing the true cost of borrowing from a 401(k). - [Amortization Schedule](https://3tej.com/tools/amortization-schedule-generator): Amortization Schedule computes month-by-month interest vs principal split, payoff date from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Seeing every payment in detail. - [ARM vs Fixed Mortgage Calculator](https://3tej.com/tools/arm-vs-fixed-mortgage-calculator): ARM vs Fixed Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Australian Mortgage Calculator](https://3tej.com/au/tools/au-mortgage): Australian Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Balance Transfer Calculator](https://3tej.com/tools/balance-transfer-calculator): Balance Transfer Calculator computes total saved versus current card from balance, transfer fee, intro APR, intro length, regular APR. Runs entirely in your browser. No login, no tracking of inputs. Best for Balance-transfer card decision. - [Bridge Loan Calculator](https://3tej.com/tools/bridge-loan-calculator): Bridge Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Buy Now, Pay Later (BNPL) vs Credit Card Calculator](https://3tej.com/us/tools/buy-now-pay-later-vs-credit-card): Compare the true cost of a BNPL 4-pay plan (Affirm, Klarna) versus using a credit card. Calculate hidden fees, effective interest rates, and total interest paid. - [Canada Home Buyers Plan (HBP) Calculator](https://3tej.com/tools/ca-hbp-calculator): The Home Buyers Plan lets Canadian first-time buyers withdraw up to 60,000 CAD from their RRSP tax-free for a home purchase, repayable over 15 years. - [Canada Mortgage Calculator](https://3tej.com/tools/ca-mortgage-calculator): Calculate Canadian mortgage payments accounting for the federal stress test (qualifying rate of contract rate +2% or 5.25%, whichever higher), CMHC insurance, and provincial property taxes. - [Canadian Mortgage Calculator](https://3tej.com/ca/tools/ca-mortgage): Canadian Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Cash-Out Refinance Calculator](https://3tej.com/tools/cash-out-refinance-calculator): Cash-Out Refinance Calculator computes break-even months, monthly savings, lifetime savings from current balance, current rate, new rate, fees, hold period. Runs entirely in your browser. No login, no tracking of inputs. Best for Refinance go/no-go decision. - [Closing Cost Calculator](https://3tej.com/tools/closing-cost-calculator): 2-5% of home price. Lender + title + escrow + taxes + insurance. - [Credit Card Min Payment Trap](https://3tej.com/tools/credit-card-min-payment-calculator): Min payment = lifetime debt. $5K @ 24% APR @ min = 30+ years payoff. - [Credit Card Payoff Calculator](https://3tej.com/tools/credit-card-payoff-calculator): Credit Card Payoff Calculator computes months to payoff, total interest from balance, APR, minimum or fixed payment. Runs entirely in your browser. No login, no tracking of inputs. Best for Quantifying minimum-payment cost. - [Hard Money Loan Calculator](https://3tej.com/tools/hard-money-loan-calculator): Hard Money Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [HELOC Calculator](https://3tej.com/tools/heloc-calculator): HELOC Calculator computes available credit, interest cost from home value, mortgage balance, line amount, rate. Runs entirely in your browser. No login, no tracking of inputs. Best for HELOC sizing and carry cost. - [Home Equity Calculator](https://3tej.com/tools/home-equity-calculator): Home Equity Calculator takes home price, down payment, rate, term, taxes and returns the matching home equity result. Runs entirely in your browser. No login, no tracking of inputs. - [Home Loan EMI Calculator](https://3tej.com/tools/home-loan-emi): Home Loan EMI Calculator computes EMI, total interest paid, payment schedule from loan amount, annual interest rate, tenure in months. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian home loan monthly payment. - [Interest-Only Loan Calculator](https://3tej.com/tools/interest-only-loan-calculator): Interest-Only Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Loan Prepayment Calculator](https://3tej.com/tools/loan-prepayment): Loan Prepayment Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [Mortgage Calculator](https://3tej.com/us/tools/us-mortgage): Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Mortgage Calculator (Baufinanzierung)](https://3tej.com/de/tools/de-mortgage): Mortgage Calculator (Baufinanzierung) computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Mortgage Payment Calculator (PITI)](https://3tej.com/tools/mortgage-payment-calculator): Mortgage Payment Calculator (PITI) computes monthly PITI, total interest, payoff date from home price, down payment, rate, term, taxes, insurance. Runs entirely in your browser. No login, no tracking of inputs. Best for True monthly housing cost. - [Piggyback Loan (80-10-10) Calculator](https://3tej.com/tools/piggyback-loan-calculator): Piggyback Loan (80-10-10) Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [PMI Calculator](https://3tej.com/tools/pmi-calculator): Down 20%? Skip PMI. Under 20%? Pay 0.3-1.5% of loan annually. - [Reverse Mortgage Calculator](https://3tej.com/tools/reverse-mortgage-calculator): Reverse Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Student Loan IDR Calculator](https://3tej.com/tools/student-loan-idr-calculator): Student Loan IDR Calculator computes monthly payment, forgiveness amount, total paid from income, family size, loan balance, plan type. Runs entirely in your browser. No login, no tracking of inputs. Best for IBR / PAYE / SAVE plan selection. - [Student Loan Refinance](https://3tej.com/tools/student-loan-refinance-calculator): Student Loan Refinance computes break-even months, monthly savings, lifetime savings from current balance, current rate, new rate, fees, hold period. Runs entirely in your browser. No login, no tracking of inputs. Best for Refinance go/no-go decision. - [UK Mortgage Affordability Calculator 2026 (4.5x LTI)](https://3tej.com/tools/uk-mortgage-affordability-calculator): UK Mortgage Affordability Calculator 2026 (4.5x LTI) computes maximum home price you can afford from income, debts, down payment, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Setting a realistic home shopping budget. - [US Mortgage Pre-Qualification Calculator 2026](https://3tej.com/tools/us-mortgage-prequalification-calculator): US mortgage pre-qualification 2026, DTI 43%, FHA 3.5 down, VA loan, conforming loan limit $815K us mortgage pre-qualification calculator 2026 - [US Student Loan Repayment Calculator](https://3tej.com/us/tools/us-student-loan): US Student Loan Repayment Calculator computes monthly payment, total interest, payoff date from loan balance, rate, term, plan. Runs entirely in your browser. No login, no tracking of inputs. Best for Student loan repayment planning. ## Construction (31 tools) > Concrete, paint, lumber, drywall, tile, roofing, and renovation cost math. - [Acres to Square Feet Converter](https://3tej.com/tools/acres-to-square-feet-converter): acres to square feet, 43560 sq ft, real estate land conversion acres to square feet converter free 3tej calculator - [Air Purifier Sizing (CADR)](https://3tej.com/tools/air-purifier-sizing-calculator): CADR ≥ ⅔ × room ft² for 5 ACH. Wildfire smoke: ½ ft² for 8 ACH. - [Attic Insulation R-Value](https://3tej.com/tools/attic-insulation-r-value-calculator): Attic Insulation R-Value takes length, area, volume, material rate and returns the matching attic insulation r-value result. Runs entirely in your browser. No login, no tracking of inputs. - [Bathroom Remodel Cost Calculator](https://3tej.com/tools/bathroom-remodel-cost-calculator): A Bathroom Remodel Cost Calculator computes bathroom remodel cost from the inputs you provide. - [Brick Quantity Calculator](https://3tej.com/tools/brick-quantity-calculator): Brick Quantity Calculator takes length, area, volume, material rate and returns the matching brick quantity result. Runs entirely in your browser. No login, no tracking of inputs. - [Concrete Bag Calculator](https://3tej.com/tools/concrete-bag-calculator): Concrete Bag Calculator takes length, area, volume, material rate and returns the matching concrete bag result. Runs entirely in your browser. No login, no tracking of inputs. - [Concrete Calculator](https://3tej.com/tools/concrete-calculator): Concrete Calculator takes length, area, volume, material rate and returns the matching concrete result. Runs entirely in your browser. No login, no tracking of inputs. - [Concrete Volume Calculator](https://3tej.com/tools/concrete-volume-calculator): Concrete Volume Calculator takes length, area, volume, material rate and returns the matching concrete volume result. Runs entirely in your browser. No login, no tracking of inputs. - [Deck Cost Calculator](https://3tej.com/tools/deck-cost-calculator): Square footage × material + labor + extras = total budget. - [Deck Stain Calculator](https://3tej.com/tools/deck-stain-calculator): 1 gallon stain covers ~250 ft² × 1 coat. Most decks need 2 coats. - [Drywall Calculator](https://3tej.com/tools/drywall-calculator): Drywall Calculator takes length, area, volume, material rate and returns the matching drywall result. Runs entirely in your browser. No login, no tracking of inputs. - [Fence Cost Calculator](https://3tej.com/tools/fence-cost-calculator): Fence Cost Calculator takes length, area, volume, material rate and returns the matching fence cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Firewood Cord Calculator](https://3tej.com/tools/firewood-cord-calculator): Convert any firewood stack into full cords and face cords. - [Floor Tile Cost Calculator](https://3tej.com/tools/floor-tile-cost-calculator): Floor Tile Cost Calculator takes length, area, volume, material rate and returns the matching floor tile cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Gravel Calculator](https://3tej.com/tools/gravel-calculator): Gravel Calculator takes length, area, volume, material rate and returns the matching gravel result. Runs entirely in your browser. No login, no tracking of inputs. - [Gutter Installation Cost Calculator](https://3tej.com/tools/gutter-cost-calculator): Gutter Installation Cost Calculator takes length, area, volume, material rate and returns the matching gutter installation cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Infant Growth Percentile Calculator](https://3tej.com/tools/infant-growth-percentile-calculator): A Infant Growth Percentile Calculator computes infant growth percentile from the inputs you provide. - [Kitchen Remodel Cost Calculator](https://3tej.com/tools/kitchen-remodel-cost-calculator): Kitchen Remodel Cost Calculator takes ingredient quantity, servings, temperature and returns the matching kitchen remodel cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Lumber Board Feet Calculator](https://3tej.com/tools/lumber-board-feet-calculator): Lumber Board Feet Calculator takes length, area, volume, material rate and returns the matching lumber board feet result. Runs entirely in your browser. No login, no tracking of inputs. - [Paint Coverage Calculator](https://3tej.com/tools/paint-coverage-calculator): Paint Coverage Calculator computes age in years/months/days from birth date, target date. Runs entirely in your browser. No login, no tracking of inputs. Best for Exact age. - [Rebar Calculator](https://3tej.com/tools/rebar-calculator): Rebar Calculator takes length, area, volume, material rate and returns the matching rebar result. Runs entirely in your browser. No login, no tracking of inputs. - [Rebar Spacing Calculator](https://3tej.com/tools/rebar-spacing-calculator): Rebar Spacing Calculator takes length, area, volume, material rate and returns the matching rebar spacing result. Runs entirely in your browser. No login, no tracking of inputs. - [Roofing Square Calculator](https://3tej.com/tools/roofing-square-calculator): Roofing Square Calculator takes source text, target style, optional rules and returns the matching roofing square result. Runs entirely in your browser. No login, no tracking of inputs. - [Septic Tank Size Calculator](https://3tej.com/tools/septic-tank-calculator): Septic Tank Size Calculator takes length, area, volume, material rate and returns the matching septic tank size result. Runs entirely in your browser. No login, no tracking of inputs. - [Siding Cost Calculator](https://3tej.com/tools/siding-cost-calculator): Vinyl: $4-7/ft² · Fiber cement: $8-13 · Wood: $7-15 · Brick veneer: $10-20 - [Stair Calculator](https://3tej.com/tools/stair-calculator): Stair Calculator takes length, area, volume, material rate and returns the matching stair result. Runs entirely in your browser. No login, no tracking of inputs. - [Stair Stringer Calculator](https://3tej.com/tools/stair-stringer-calculator): Stair Stringer Calculator takes length, area, volume, material rate and returns the matching stair stringer result. Runs entirely in your browser. No login, no tracking of inputs. - [Tile Calculator](https://3tej.com/tools/tile-calculator): Tile Calculator takes length, area, volume, material rate and returns the matching tile result. Runs entirely in your browser. No login, no tracking of inputs. - [Tile Grout Calculator](https://3tej.com/tools/tile-grout-calculator): Tile Grout Calculator takes length, area, volume, material rate and returns the matching tile grout result. Runs entirely in your browser. No login, no tracking of inputs. - [Wallpaper Roll Calculator](https://3tej.com/tools/wallpaper-roll-calculator): Wallpaper Roll Calculator takes length, area, volume, material rate and returns the matching wallpaper roll result. Runs entirely in your browser. No login, no tracking of inputs. - [Wire Ampacity Calculator](https://3tej.com/tools/wire-ampacity-calculator): 14 AWG: 15A · 12 AWG: 20A · 10 AWG: 30A · 8 AWG: 40A. ## Real Estate (29 tools) > Mortgage, affordability, stamp duty, rent vs buy, and rental yield math. - [🇮🇳 India Real Estate LTCG with Section 54 Exemption](https://3tej.com/tools/real-estate-ltcg): 🇮🇳 India Real Estate LTCG with Section 54 Exemption takes home price, down payment, rate, term, taxes and returns the matching 🇮🇳 india real estate ltcg with section 54 exemption result. Runs entirely in your browser. No login, no tracking of inputs. - [1% Rule Rental Property Calculator](https://3tej.com/tools/one-percent-rule-calculator): 1% Rule Rental Property Calculator takes home price, down payment, rate, term, taxes and returns the matching 1% rule rental property result. Runs entirely in your browser. No login, no tracking of inputs. - [1031 Exchange Calculator](https://3tej.com/tools/1031-exchange-calculator): 1031 Exchange Calculator takes filing status, wages, deductions, credits and returns the matching 1031 exchange result. Runs entirely in your browser. No login, no tracking of inputs. - [28/36 Rule Mortgage DTI Calculator](https://3tej.com/tools/28-36-rule-dti-calculator): 28/36 Rule Mortgage DTI Calculator takes home price, down payment, rate, term, taxes and returns the matching 28/36 rule mortgage dti result. Runs entirely in your browser. No login, no tracking of inputs. - [Auto Refinance Calculator](https://3tej.com/tools/auto-refinance-calculator): Auto Refinance Calculator computes break-even months, monthly savings, lifetime savings from current balance, current rate, new rate, fees, hold period. Runs entirely in your browser. No login, no tracking of inputs. Best for Refinance go/no-go decision. - [Balloon Mortgage Calculator](https://3tej.com/tools/balloon-mortgage-calculator): Balloon Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Bi-Weekly Mortgage Calculator](https://3tej.com/tools/mortgage-bi-weekly-calculator): Bi-Weekly Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [BRRRR Calculator](https://3tej.com/tools/brrrr-calculator): BRRRR Calculator takes home price, down payment, rate, term, taxes and returns the matching brrrr result. Runs entirely in your browser. No login, no tracking of inputs. - [Buy vs Rent Break-Even](https://3tej.com/tools/break-even-real-estate-calculator): Buy vs Rent Break-Even takes home price, down payment, rate, term, taxes and returns the matching buy vs rent break-even result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada Mortgage Stress Test Calculator 2026](https://3tej.com/tools/canada-mortgage-stress-test-calculator): Canada mortgage stress test 2026, +2% qualifying rate, GDS TDS, CMHC, FHSA HBP stacking canada mortgage stress test calculator 2026 - [Cap Rate Calculator](https://3tej.com/tools/cap-rate-calculator): Cap Rate Calculator takes home price, down payment, rate, term, taxes and returns the matching cap rate result. Runs entirely in your browser. No login, no tracking of inputs. - [Cash-on-Cash Return Calculator](https://3tej.com/tools/cash-on-cash-return-calculator): Cash-on-Cash Return Calculator takes home price, down payment, rate, term, taxes and returns the matching cash-on-cash return result. Runs entirely in your browser. No login, no tracking of inputs. - [Cash-Out Refinance vs HELOC: Need $50K for a home reno - reset your whole mortgage or open a second-lien HELOC?](https://3tej.com/tools/refinance-vs-heloc): refinance vs heloc, cash out refinance vs heloc, heloc or refinance, home equity loan vs refinance, second mortgage comparison cash-out refinance vs heloc: need $50k for a home reno - reset your whole mortgage or open a - [Down Payment Savings Calculator](https://3tej.com/tools/down-payment-savings-calculator): Down Payment Savings Calculator takes home price, down payment, rate, term, taxes and returns the matching down payment savings result. Runs entirely in your browser. No login, no tracking of inputs. - [HOA Fee Impact Calculator](https://3tej.com/tools/hoa-fee-impact-calculator): HOA Fee Impact Calculator takes home price, down payment, rate, term, taxes and returns the matching hoa fee impact result. Runs entirely in your browser. No login, no tracking of inputs. - [Home Affordability Calculator](https://3tej.com/tools/home-affordability-calculator): Home Affordability Calculator computes maximum affordable home price from income, debts, down payment, rate, term, DTI cap. Runs entirely in your browser. No login, no tracking of inputs. Best for Home shopping budget. - [Hyper-Local Home Affordability AI](https://3tej.com/us/tools/hyper-local-home-affordability): Calculate if you can really afford a house in your local market factoring in complex DTI ratios and local taxes. - [Mortgage Affordability Calculator](https://3tej.com/tools/mortgage-affordability-calculator): Mortgage Affordability Calculator computes maximum home price you can afford from income, debts, down payment, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Setting a realistic home shopping budget. - [Mortgage Amortization Table](https://3tej.com/tools/mortgage-amortization-table-calculator): Mortgage Amortization Table computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Mortgage Extra Payment Calculator](https://3tej.com/tools/mortgage-extra-payment-calculator): Mortgage Extra Payment Calculator computes months saved, interest avoided from loan amount, rate, term, extra monthly amount. Runs entirely in your browser. No login, no tracking of inputs. Best for Quantifying the value of paying extra principal. - [Mortgage Points Calculator](https://3tej.com/tools/mortgage-points-calculator): Mortgage Points Calculator computes break-even months, lifetime savings from loan amount, points cost, rate without/with points, hold period. Runs entirely in your browser. No login, no tracking of inputs. Best for Buying down a mortgage rate. - [Mortgage Recast Calculator](https://3tej.com/tools/mortgage-recast-calculator): Mortgage Recast Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Mortgage payment estimation. - [Mortgage Refinance Break-Even](https://3tej.com/tools/mortgage-refinance-break-even-calculator): Mortgage Refinance Break-Even computes break-even months, lifetime savings from current rate, new rate, closing costs, remaining balance. Runs entirely in your browser. No login, no tracking of inputs. Best for Refinance go/no-go decision. - [Property Tax Calculator](https://3tej.com/tools/property-tax-calculator): Property Tax Calculator takes home price, down payment, rate, term, taxes and returns the matching property tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Real Estate Agent Commission](https://3tej.com/tools/real-estate-agent-commission-calculator): Real Estate Agent Commission takes home price, down payment, rate, term, taxes and returns the matching real estate agent commission result. Runs entirely in your browser. No login, no tracking of inputs. - [Rent Affordability Calculator](https://3tej.com/tools/rent-affordability-calculator): 30% rule: rent under 30% of gross. NYC reality: 50%+. - [Rent vs Buy](https://3tej.com/tools/rent-vs-buy): Rent vs Buy takes home price, down payment, rate, term, taxes and returns the matching rent vs buy result. Runs entirely in your browser. No login, no tracking of inputs. - [Rental Property ROI Calculator](https://3tej.com/tools/rental-property-roi-calculator): Rental Property ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [Stamp Duty Calculator](https://3tej.com/tools/stamp-duty): Approximate state-wise stamp duty + registration on property purchase. ## US Finance (29 tools) > IRS tax brackets, retirement accounts (401k, IRA, Roth), Social Security, and US-specific salary math. - [2026 IRS Federal Tax Brackets](https://3tej.com/tools/2026-irs-tax-brackets): 2026 IRS Federal Tax Brackets takes filing status, wages, deductions, credits and returns the matching 2026 irs federal tax brackets result. Runs entirely in your browser. No login, no tracking of inputs. - [2027 IRS Federal Tax Brackets](https://3tej.com/tools/2027-irs-tax-brackets): 2027 IRS Federal Tax Brackets takes filing status, wages, deductions, credits and returns the matching 2027 irs federal tax brackets result. Runs entirely in your browser. No login, no tracking of inputs. - [401(k) Calculator](https://3tej.com/us/tools/us-401k-calculator): 401(k) Calculator computes future value at retirement, contributions vs growth split from 401(k) balance, contribution rate, employer match, salary, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Projecting a 401(k) balance to retirement age. - [401(k) Rollover Penalty Avoidance Planner](https://3tej.com/us/tools/401k-rollover-planner): Interactive walkthrough to move your 401(k) safely without triggering the 20% IRS withholding or 10% penalty. - [AI-Assisted Zero-Based Budget Allocator](https://3tej.com/us/tools/ai-budget-allocator): Use algorithmic budgeting to optimize your after-tax income. Automatically allocate funds across needs, wants, and savings based on the 50/30/20 rule and zero-based budgeting. - [Bonus Tax Calculator](https://3tej.com/us/tools/us-bonus-tax): Bonus Tax Calculator takes filing status, wages, deductions, credits and returns the matching bonus tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Federal Income Tax Calculator](https://3tej.com/us/tools/us-income-tax): Federal Income Tax Calculator computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [Freelancer Income Volatility Smoother](https://3tej.com/us/tools/freelancer-income-smoother): Calculate a safe, stable 'monthly salary' to pay yourself from your irregular freelance or gig worker income. - [Gas Tax Holiday Savings Calculator](https://3tej.com/us/tools/gas-tax-holiday-calculator): Calculate exactly how much money you will save during a state or federal gas tax holiday based on your vehicle MPG and weekly driving habits. - [High-Interest Rate Dilemma Solver (Pay Debt vs. Invest)](https://3tej.com/us/tools/pay-debt-vs-invest-calculator): Visualize the net-worth impact of aggressively paying down debt versus investing in the stock market or HYSA. - [IRA Calculator (Roth vs Traditional)](https://3tej.com/us/tools/us-ira-calculator): IRA Calculator (Roth vs Traditional) computes tax advantaged retirement balance from contribution, age, return rate, account type. Runs entirely in your browser. No login, no tracking of inputs. Best for IRA balance projection and contribution sizing. - [Multi-Generational Wealth Transfer Simulator](https://3tej.com/us/tools/wealth-transfer-simulator): Simulate the tax implications of annual gifting and inheritance over a 30-year horizon to maximize wealth transfer. - [Property Tax Estimator (2025)](https://3tej.com/us/tools/us-property-tax): Property Tax Estimator (2025) takes filing status, wages, deductions, credits and returns the matching property tax estimator (2025) result. Runs entirely in your browser. No login, no tracking of inputs. - [Refinance Break-Even Calculator](https://3tej.com/us/tools/us-refinance): Refinance Break-Even Calculator computes break-even months, monthly savings, lifetime savings from current balance, current rate, new rate, fees, hold period. Runs entirely in your browser. No login, no tracking of inputs. Best for Refinance go/no-go decision. - [Self-Employment Tax (2025)](https://3tej.com/us/tools/us-self-employment-tax): Self-Employment Tax (2025) takes filing status, wages, deductions, credits and returns the matching self-employment tax (2025) result. Runs entirely in your browser. No login, no tracking of inputs. - [Single-Parent Childcare & Tax Credit Maximizer](https://3tej.com/us/tools/childcare-tax-credit-maximizer): Optimize your Dependent Care FSA against standard Child Tax Credits to minimize your out-of-pocket childcare costs. - [Social Security Estimator](https://3tej.com/us/tools/us-social-security): Social Security Estimator takes filing status, wages, deductions, credits and returns the matching social security estimator result. Runs entirely in your browser. No login, no tracking of inputs. - [State Sales Tax Calculator](https://3tej.com/us/tools/us-sales-tax): State Sales Tax Calculator takes filing status, wages, deductions, credits and returns the matching state sales tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Tech Employee RSU & Stock Options Simulator](https://3tej.com/us/tools/tech-rsu-options-simulator): Forecast vesting schedules and model the tax implications for tech worker RSUs and Stock Options. - [US Alternative Minimum Tax (AMT) Calculator 2026](https://3tej.com/tools/us-alternative-minimum-tax-calculator): US Alternative Minimum Tax (AMT) Calculator 2026 is a free us tax calculator that gives you a deterministic answer for us alternative minimum tax (amt) calculator 2026 questions. Runs entirely in your browser. No login, no tracking of inputs. - [US Backdoor Roth IRA Calculator](https://3tej.com/tools/us-backdoor-roth-calculator): Backdoor Roth lets high earners contribute to Roth IRA despite income limits: make a non-deductible Traditional IRA contribution, then immediately convert to Roth. - [US Capital Gains Tax](https://3tej.com/us/tools/us-capital-gains): US Capital Gains Tax takes filing status, wages, deductions, credits and returns the matching us capital gains tax result. Runs entirely in your browser. No login, no tracking of inputs. - [US Capital Gains Tax Calculator](https://3tej.com/tools/us-capital-gains-tax-calculator): US Capital Gains Tax Calculator takes filing status, wages, deductions, credits and returns the matching us capital gains tax result. Runs entirely in your browser. No login, no tracking of inputs. - [US Expat Tax Calculator (FEIE + FTC)](https://3tej.com/tools/us-expat-tax-calculator): US Expat Tax Calculator (FEIE + FTC) takes filing status, wages, deductions, credits and returns the matching us expat tax calculator (feie + ftc) result. Runs entirely in your browser. No login, no tracking of inputs. - [US FSA Calculator](https://3tej.com/tools/us-fsa-calculator): Calculate your Flexible Spending Account (FSA) election: pre-tax dollars for medical or dependent care, with the use-it-or-lose-it twist. - [US Late Tax Filing Penalty Calculator](https://3tej.com/us/tools/us-late-filing-penalty-calculator): Estimate the IRS failure-to-file penalty (5%/month, 25% cap), failure-to-pay penalty (0.5%/month), combined-month cap, and IRC Section 6621 interest (federal short-term rate + 3%, compounded daily) on unpaid federal tax. Updated for the 2026 quarterly rate. Runs in your browser; nothing is sent to a server. - [US Roth vs Traditional 401(k) Quiz 2026](https://3tej.com/tools/us-roth-vs-traditional-401k-quiz): US Roth vs Traditional 401(k) Quiz 2026 computes future value at retirement, contributions vs growth split from 401(k) balance, contribution rate, employer match, salary, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Projecting a 401(k) balance to retirement age. - [US Salary Calculator](https://3tej.com/us/tools/us-salary-calculator): US Salary Calculator computes net take-home, taxes by bucket from gross salary, filing status, state, deductions. Runs entirely in your browser. No login, no tracking of inputs. Best for US salary breakdown. - [W-4 Withholding Estimator](https://3tej.com/us/tools/us-w4-calculator): W-4 Withholding Estimator computes recommended W-4 withholding from filing status, jobs, dependents, other income. Runs entirely in your browser. No login, no tracking of inputs. Best for Tuning federal withholding. ## Business & SaaS (22 tools) > CAC, LTV, churn, ARR, rule-of-40, and SaaS unit-economics math. - [Ad Spend ROI Calculator](https://3tej.com/tools/ad-spend-roi-calculator): Ad Spend ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [Amazon FBA Fee Calculator](https://3tej.com/tools/amazon-fba-fee-calculator): Amazon FBA Fee Calculator takes MRR, ARR, churn, customer count and returns the matching amazon fba fee result. Runs entirely in your browser. No login, no tracking of inputs. - [ARR / MRR Calculator](https://3tej.com/tools/arr-mrr-calculator): ARR / MRR Calculator takes MRR, ARR, churn, customer count and returns the matching arr / mrr result. Runs entirely in your browser. No login, no tracking of inputs. - [Break-Even Calculator](https://3tej.com/tools/break-even-calculator): Break-Even Calculator takes MRR, ARR, churn, customer count and returns the matching break-even result. Runs entirely in your browser. No login, no tracking of inputs. - [CAC Calculator (SaaS)](https://3tej.com/tools/cac-calculator): CAC Calculator (SaaS) takes MRR, ARR, churn, customer count and returns the matching cac calculator (saas) result. Runs entirely in your browser. No login, no tracking of inputs. - [Churn Rate Calculator](https://3tej.com/tools/churn-rate-calculator): Churn Rate Calculator takes MRR, ARR, churn, customer count and returns the matching churn rate result. Runs entirely in your browser. No login, no tracking of inputs. - [CTR / CPC / CPA Calculator](https://3tej.com/tools/ctr-cpc-cpa-calculator): CTR = clicks/impr. CPC = spend/clicks. CPA = spend/conversions. - [Customer LTV Calculator (SaaS)](https://3tej.com/tools/customer-ltv-calculator): Customer LTV Calculator (SaaS) takes MRR, ARR, churn, customer count and returns the matching customer ltv calculator (saas) result. Runs entirely in your browser. No login, no tracking of inputs. - [Dropshipping Profit Calculator](https://3tej.com/tools/dropshipping-profit-calculator): Aim 30%+ margin after ad costs. Most dropship: 10-25% margin. - [Fix and Flip ROI Calculator](https://3tej.com/tools/fix-and-flip-roi-calculator): Fix and Flip ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [Freelancer Rate Calculator](https://3tej.com/tools/freelancer-rate): Freelancer Rate Calculator is a free career & income calculator that gives you a deterministic answer for freelancer rate questions. Runs entirely in your browser. No login, no tracking of inputs. - [Home Warranty Calculator](https://3tej.com/tools/home-warranty-calculator): $300-600/yr coverage + service fees. Valid for older systems. - [IRR Calculator](https://3tej.com/tools/irr-calculator): IRR Calculator computes internal rate of return from cash flow stream (initial outflow then inflows). Runs entirely in your browser. No login, no tracking of inputs. Best for Single-rate-of-return summary. - [Loan-to-Value (LTV) Calculator](https://3tej.com/tools/ltv-calculator): Loan-to-Value (LTV) Calculator takes home price, down payment, rate, term, taxes and returns the matching loan-to-value (ltv) result. Runs entirely in your browser. No login, no tracking of inputs. - [NPV Calculator](https://3tej.com/tools/npv-calculator): NPV Calculator computes net present value at the discount rate from cash flow stream, discount rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Project go/no-go on NPV. - [Profit Margin Calculator](https://3tej.com/tools/profit-margin-calculator): Profit Margin Calculator takes MRR, ARR, churn, customer count and returns the matching profit margin result. Runs entirely in your browser. No login, no tracking of inputs. - [ROI Calculator](https://3tej.com/tools/roi-calculator): ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [Runway Calculator (Startup)](https://3tej.com/tools/runway-calculator): Runway Calculator (Startup) takes MRR, ARR, churn, customer count and returns the matching runway calculator (startup) result. Runs entirely in your browser. No login, no tracking of inputs. - [Solar Panel ROI Calculator](https://3tej.com/tools/solar-roi-calculator): Solar Panel ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs entirely in your browser. No login, no tracking of inputs. Best for Comparing investment returns. - [SS Break-Even Claim Age](https://3tej.com/tools/social-security-break-even-claim-calculator): SS Break-Even Claim Age takes MRR, ARR, churn, customer count and returns the matching ss break-even claim age result. Runs entirely in your browser. No login, no tracking of inputs. - [Whole Life Insurance IRR Calculator](https://3tej.com/tools/whole-life-insurance-irr-calculator): Whole life insurance often markets the 'guaranteed cash value' as an investment. Calculate the actual internal rate of return (IRR) to see what you are really earning. - [XIRR Calculator](https://3tej.com/tools/xirr-calculator): XIRR Calculator computes internal rate of return from cash flow stream (initial outflow then inflows). Runs entirely in your browser. No login, no tracking of inputs. Best for Single-rate-of-return summary. ## Brewing (19 tools) > ABV, IBU, mash temperature, dilution, and home-brewing math. - [ABV Calculator (Brewing)](https://3tej.com/tools/abv-calculator): ABV Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching abv calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Boil-Off Rate Calculator](https://3tej.com/tools/boil-off-rate-calculator): Typical: 3-6 L/hr. Indoor kettles less. Wide outdoor more. - [Brewhouse Efficiency Calculator](https://3tej.com/tools/brewhouse-efficiency-calculator): A Brewhouse Efficiency Calculator computes brewhouse efficiency from the inputs you provide. - [Carbonation Calculator (Brewing)](https://3tej.com/tools/carbonation-calculator): Carbonation Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching carbonation calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Cider ABV Calculator](https://3tej.com/tools/cider-abv-calculator): Cider ABV Calculator takes volume, gravity, hop bill, fermentation profile and returns the matching cider abv result. Runs entirely in your browser. No login, no tracking of inputs. - [Dry Hop Calculator (Brewing)](https://3tej.com/tools/dry-hop-calculator): Dry Hop Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching dry hop calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Fixed Deposit vs Recurring Deposit: Lump-sum FD or monthly RD - which gets you a bigger maturity on the same total contribution?](https://3tej.com/tools/fd-vs-rd): fd vs rd, fd or rd, fixed deposit vs recurring deposit, india deposit comparison, rd vs fd interest fixed deposit vs recurring deposit: lump-sum fd or monthly rd - which gets you a bigger maturity on the same total contr - [Force Carbonation Calculator](https://3tej.com/tools/force-carbonation-calculator): Force Carbonation Calculator takes mass, velocity, force, field strength and returns the matching force carbonation result. Runs entirely in your browser. No login, no tracking of inputs. - [Hop Utilization Calculator (Tinseth)](https://3tej.com/tools/hop-utilization-calculator): Hop Utilization Calculator (Tinseth) takes volume, gravity, hop bill, fermentation profile and returns the matching hop utilization calculator (tinseth) result. Runs entirely in your browser. No login, no tracking of inputs. - [IBU Calculator (Brewing)](https://3tej.com/tools/ibu-calculator): IBU Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching ibu calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Mash pH Calculator (Brewing)](https://3tej.com/tools/mash-ph-calculator): Mash pH Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching mash ph calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Mead ABV Calculator](https://3tej.com/tools/mead-abv-calculator): Mead ABV Calculator takes volume, gravity, hop bill, fermentation profile and returns the matching mead abv result. Runs entirely in your browser. No login, no tracking of inputs. - [Net Worth Calculator](https://3tej.com/tools/net-worth-calculator): Net Worth Calculator computes net worth, breakdown by class from assets by class, liabilities by type. Runs entirely in your browser. No login, no tracking of inputs. Best for Net worth snapshot. - [RRSP Contribution Room Calculator](https://3tej.com/tools/rrsp-contribution-room-calculator): RRSP Contribution Room Calculator computes pre tax balance and refund generated from salary, contribution, marginal rate, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian RRSP balance and refund projection. - [Sparge Water Calculator (Brewing)](https://3tej.com/tools/sparge-water-calculator): Sparge Water Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching sparge water calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [SRM Color Calculator (Brewing)](https://3tej.com/tools/srm-color-calculator): SRM Color Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching srm color calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Strike Water Calculator (Brewing)](https://3tej.com/tools/strike-water-calculator): Strike Water Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching strike water calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. - [Wine ABV Calculator](https://3tej.com/tools/wine-abv-calculator): Wine ABV Calculator takes volume, gravity, hop bill, fermentation profile and returns the matching wine abv result. Runs entirely in your browser. No login, no tracking of inputs. - [Yeast Pitch Rate Calculator (Brewing)](https://3tej.com/tools/yeast-pitch-rate-calculator): Yeast Pitch Rate Calculator (Brewing) takes volume, gravity, hop bill, fermentation profile and returns the matching yeast pitch rate calculator (brewing) result. Runs entirely in your browser. No login, no tracking of inputs. ## Writing & Text (19 tools) > Word and character counters, readability, slugifiers, and text transformers. - [🔤 Anagram Solver](https://3tej.com/tools/anagram-solver): 🔤 Anagram Solver takes game state, settings, opponent profile and returns the matching 🔤 anagram solver result. Runs entirely in your browser. No login, no tracking of inputs. - [camelCase Converter](https://3tej.com/tools/camel-case-converter): camelCase Converter takes source text, target style, optional rules and returns the matching camelcase result. Runs entirely in your browser. No login, no tracking of inputs. - [Character Counter](https://3tej.com/tools/character-counter): Character Counter takes source text, target style, optional rules and returns the matching character counter result. Runs entirely in your browser. No login, no tracking of inputs. - [Flesch Reading Ease Calculator](https://3tej.com/tools/flesch-readability-calculator): Score 60-70 = standard. 90 5th grade. - [Flesch-Kincaid Readability Calculator](https://3tej.com/tools/readability-calculator): Paste English text and get its Flesch-Kincaid grade level, Flesch reading ease, and sentence, word, syllable counts. - [Font Size Readability](https://3tej.com/tools/font-size-readability-calculator): 16px body min web. Smaller is unreadable. 18-20px ideal. - [Lowercase Converter](https://3tej.com/tools/lowercase-converter): Lowercase Converter takes source text, target style, optional rules and returns the matching lowercase result. Runs entirely in your browser. No login, no tracking of inputs. - [Markdown Editor / Preview](https://3tej.com/tools/markdown-editor): GitHub-flavored Markdown. Live preview. Export as HTML. - [Markdown Formatter](https://3tej.com/tools/markdown-formatter): Markdown Formatter takes string, regex, format, count and returns the matching markdown formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [Markdown to HTML Converter](https://3tej.com/tools/markdown-to-html-converter): Convert markdown to HTML in your browser. Supports headings, bold, italic, inline and fenced code, links, lists, and blockquotes. - [Paragraph Counter](https://3tej.com/tools/paragraph-counter): Paragraph Counter takes source text, target style, optional rules and returns the matching paragraph counter result. Runs entirely in your browser. No login, no tracking of inputs. - [Reverse Text](https://3tej.com/tools/reverse-text): Reverse Text takes source text, target style, optional rules and returns the matching reverse text result. Runs entirely in your browser. No login, no tracking of inputs. - [Sentence Counter](https://3tej.com/tools/sentence-counter): Sentence Counter takes source text, target style, optional rules and returns the matching sentence counter result. Runs entirely in your browser. No login, no tracking of inputs. - [snake_case Converter](https://3tej.com/tools/snake-case-converter): snake case converter, snake_case tool, python variable names, sql column names, postgresql naming convention snake_case converter - convert text to snake_case online free snake_case converter. - [Text Character Counter](https://3tej.com/tools/text-character-counter): Text Character Counter takes source text, target style, optional rules and returns the matching text character counter result. Runs entirely in your browser. No login, no tracking of inputs. - [Text Diff / Compare](https://3tej.com/tools/text-diff): Compare two texts and see additions, deletions, and changes highlighted. - [Title Case Converter](https://3tej.com/tools/title-case-converter): Title Case Converter takes source text, target style, optional rules and returns the matching title case result. Runs entirely in your browser. No login, no tracking of inputs. - [Uppercase Converter](https://3tej.com/tools/uppercase-converter): Uppercase Converter takes source text, target style, optional rules and returns the matching uppercase result. Runs entirely in your browser. No login, no tracking of inputs. - [Word Counter](https://3tej.com/tools/word-counter): Word Counter takes source text, target style, optional rules and returns the matching word counter result. Runs entirely in your browser. No login, no tracking of inputs. ## Canada Finance (17 tools) > CRA tax brackets, CPP, EI, RRSP, TFSA, FHSA, and provincial land-transfer math. - [Canada CPP Calculator](https://3tej.com/tools/ca-cpp-calculator): Canada CPP Calculator takes income, province, RRSP, TFSA contributions and returns the matching canada cpp result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada Dividend Tax Credit Calculator](https://3tej.com/tools/canada-dividend-tax-credit-calculator): Canada Dividend Tax Credit Calculator takes income, province, RRSP, TFSA contributions and returns the matching canada dividend tax credit result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada Income Tax](https://3tej.com/ca/tools/ca-income-tax): Canada Income Tax computes income tax owed, effective rate from income, deductions, regime, filing status. Runs entirely in your browser. No login, no tracking of inputs. Best for Income tax estimate. - [Canada RRIF Calculator](https://3tej.com/tools/ca-rrif-calculator): A Registered Retirement Income Fund (RRIF) is the mandatory conversion of your RRSP after age 71. Calculate the minimum required withdrawal each year. - [Canada RRSP Calculator](https://3tej.com/tools/ca-rrsp-calculator): Canada RRSP Calculator computes pre tax balance and refund generated from salary, contribution, marginal rate, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian RRSP balance and refund projection. - [Canada Salary Calculator](https://3tej.com/ca/tools/ca-salary-calculator): Canada Salary Calculator computes net take-home, taxes split from income, province, deductions. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian salary breakdown. - [Canada Sales Tax (HST/GST/PST) Calculator](https://3tej.com/tools/canada-sales-tax-calculator): Canada Sales Tax (HST/GST/PST) Calculator takes income, province, RRSP, TFSA contributions and returns the matching canada sales tax (hst/gst/pst) result. Runs entirely in your browser. No login, no tracking of inputs. - [Canada TFSA Calculator](https://3tej.com/tools/ca-tfsa-calculator): Canada TFSA Calculator computes tax free balance and lifetime room used from annual contribution, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian tax free savings projection. - [CPP Retirement Calculator](https://3tej.com/ca/tools/ca-cpp): CPP Retirement Calculator takes income, province, RRSP, TFSA contributions and returns the matching cpp retirement result. Runs entirely in your browser. No login, no tracking of inputs. - [FHSA Calculator](https://3tej.com/ca/tools/ca-fhsa): FHSA Calculator computes tax sheltered first home savings balance from annual contribution, return, years to home purchase. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian first home savings projection. - [GST/HST Calculator](https://3tej.com/ca/tools/ca-gst-hst): GST/HST Calculator computes GST amount, total with GST, reverse GST from pre-tax amount, GST rate. Runs entirely in your browser. No login, no tracking of inputs. Best for India GST calculation. - [Land Transfer Tax Calculator](https://3tej.com/ca/tools/ca-land-transfer-tax): Land Transfer Tax Calculator takes income, province, RRSP, TFSA contributions and returns the matching land transfer tax result. Runs entirely in your browser. No login, no tracking of inputs. - [OAS Calculator](https://3tej.com/ca/tools/ca-oas): OAS Calculator takes income, province, RRSP, TFSA contributions and returns the matching oas result. Runs entirely in your browser. No login, no tracking of inputs. - [RESP Calculator](https://3tej.com/ca/tools/ca-resp): RESP Calculator takes income, province, RRSP, TFSA contributions and returns the matching resp result. Runs entirely in your browser. No login, no tracking of inputs. - [RRSP Calculator](https://3tej.com/ca/tools/ca-rrsp-calculator): RRSP Calculator computes pre tax balance and refund generated from salary, contribution, marginal rate, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian RRSP balance and refund projection. - [RRSP vs TFSA vs FHSA Decision Quiz (Canada 2026)](https://3tej.com/tools/ca-rrsp-vs-tfsa-vs-fhsa-quiz): RRSP vs TFSA vs FHSA Decision Quiz (Canada 2026) computes tax sheltered first home savings balance from annual contribution, return, years to home purchase. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian first home savings projection. - [TFSA Calculator](https://3tej.com/ca/tools/ca-tfsa-calculator): TFSA Calculator computes tax free balance and lifetime room used from annual contribution, return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Canadian tax free savings projection. ## Auto (16 tools) > Loan, lease vs buy, MPG, fuel cost, and total-cost-of-ownership math. - [Auto Loan Calculator](https://3tej.com/tools/auto-loan-calculator): Auto Loan Calculator computes monthly payment, total interest from vehicle price, down payment, trade-in, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Car financing decision. - [Auto Loan Payoff vs Invest](https://3tej.com/tools/auto-loan-payoff-vs-invest-calculator): Auto Loan Payoff vs Invest computes monthly payment, total interest from vehicle price, down payment, trade-in, rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Car financing decision. - [Boat Fuel Calculator](https://3tej.com/tools/boat-fuel-calculator): Estimate gallons used and fuel cost for a day on the water by horsepower and engine hours. - [Car Affordability (20/4/10)](https://3tej.com/tools/car-affordability-20-4-10-rule-calculator): 20% down · 4-yr loan · ≤10% gross income for total transport. Skip if violates. - [Car Depreciation Calculator](https://3tej.com/tools/car-depreciation-calculator): Car Depreciation Calculator takes vehicle price, down payment, rate, term and returns the matching car depreciation result. Runs entirely in your browser. No login, no tracking of inputs. - [Car Loan EMI](https://3tej.com/tools/car-loan-emi): Car Loan EMI computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [EV Charging Time Calculator](https://3tej.com/tools/ev-charging-time-calculator): Calculate how long it takes to charge your electric vehicle. Compare Level 1, Level 2, and DC fast charging times. - [EV Range Calculator](https://3tej.com/tools/ev-range-calculator): Estimate real-world EV range with weather and driving style adjustments. See actual miles you can drive. - [Lease vs Buy Car Calculator](https://3tej.com/tools/lease-vs-buy-car-calculator): Lease vs Buy Car Calculator takes vehicle price, down payment, rate, term and returns the matching lease vs buy car result. Runs entirely in your browser. No login, no tracking of inputs. - [Lease vs Buy: Lower monthly payment vs ownership and equity - which one is actually cheaper over 10 years?](https://3tej.com/tools/lease-vs-buy-car): lease vs buy car, lease or buy, leasing vs buying a car, car lease comparison, lease vs finance lease vs buy: lower monthly payment vs ownership and equity - which one is actually cheaper over 10 years? - [MPG / Fuel Economy Calculator](https://3tej.com/tools/mpg-calculator): MPG / Fuel Economy Calculator takes vehicle price, down payment, rate, term and returns the matching mpg / fuel economy result. Runs entirely in your browser. No login, no tracking of inputs. - [Road Trip Cost Calculator](https://3tej.com/tools/road-trip-cost-calculator): Plan your drive budget. Tally fuel, lodging, and food into a single trip total and split per traveler. - [RV MPG + Fuel Cost Calculator](https://3tej.com/tools/rv-mpg-calculator): RV MPG + Fuel Cost Calculator takes vehicle price, down payment, rate, term and returns the matching rv mpg + fuel cost result. Runs entirely in your browser. No login, no tracking of inputs. - [Tire Pressure Converter](https://3tej.com/tools/tire-pressure-converter): A Tire Pressure Converter converts data from one format to another using a deterministic mapping. It parses the input, transforms it according to the relevant standard, and returns a ready-to-use result. - [Tire Size Calculator](https://3tej.com/tools/tire-size-calculator): Switching tires? Bigger = speedo reads slow. Smaller = reads fast. - [Total Cost of Ownership Calculator](https://3tej.com/tools/total-cost-of-ownership-calculator): 5-year total cost of owning a vehicle. Includes purchase, financing, fuel, insurance, maintenance, depreciation, and resale value. ## Australia Finance (14 tools) > ATO PAYG, HECS, Medicare levy, superannuation, and state stamp-duty math. - [Australia HECS-HELP Calculator](https://3tej.com/tools/au-hecs-calculator): Australia HECS-HELP Calculator computes compulsory HECS repayment for the year from taxable income, HELP balance, year. Runs entirely in your browser. No login, no tracking of inputs. Best for HELP loan repayment estimate. - [Australia Income Tax Calculator](https://3tej.com/tools/au-income-tax-calculator): Australia Income Tax Calculator computes income tax, Medicare levy, take-home from taxable income, residency status. Runs entirely in your browser. No login, no tracking of inputs. Best for Australian income tax estimate. - [Australia Salary Calculator](https://3tej.com/au/tools/au-salary-calculator): Australia Salary Calculator computes net take-home, tax, in-hand monthly from CTC, basic %, HRA %, city, regime. Runs entirely in your browser. No login, no tracking of inputs. Best for Indian CTC-to-net breakdown. - [Australia SkillSelect Points Calculator (189/190/491)](https://3tej.com/tools/au-skillselect-points-calculator): Australia SkillSelect Points Calculator (189/190/491) is a free au immigration calculator that gives you a deterministic answer for australia skillselect points calculator (189/190/491) questions. Runs entirely in your browser. No login, no tracking of inputs. - [Australia Superannuation Calculator](https://3tej.com/tools/au-superannuation-calculator): Australia Superannuation Calculator computes australian super balance at preservation age from salary, employer rate, years, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Australian superannuation projection. - [Australian FHSS Calculator (First Home Super Saver)](https://3tej.com/tools/au-fhss-calculator): Australian FHSS Calculator (First Home Super Saver) computes FHSS withdrawal amount, tax effect from salary sacrifice into super, marginal rate, withdrawal year. Runs entirely in your browser. No login, no tracking of inputs. Best for Australian FHSS withdrawal sizing. - [Australian GST Calculator](https://3tej.com/au/tools/au-gst-calculator): Australian GST Calculator computes GST amount, total with GST, reverse GST from pre-tax amount, GST rate. Runs entirely in your browser. No login, no tracking of inputs. Best for India GST calculation. - [Australian Income Tax](https://3tej.com/au/tools/au-income-tax): Australian Income Tax computes income tax, Medicare levy, take-home from taxable income, residency status. Runs entirely in your browser. No login, no tracking of inputs. Best for Australian income tax estimate. - [CGT Discount Calculator](https://3tej.com/au/tools/au-cgt-discount): CGT Discount Calculator computes discounted price, you save from original price, discount %. Runs entirely in your browser. No login, no tracking of inputs. Best for Sale price math. - [HECS-HELP Repayment](https://3tej.com/au/tools/au-hecs-repayment): HECS-HELP Repayment computes compulsory HECS repayment for the year from taxable income, HELP balance, year. Runs entirely in your browser. No login, no tracking of inputs. Best for HELP loan repayment estimate. - [Negative Gearing Calculator](https://3tej.com/au/tools/au-negative-gearing): Negative Gearing Calculator computes negative-gearing tax benefit from rental income, deductible expenses, marginal rate. Runs entirely in your browser. No login, no tracking of inputs. Best for Negative gearing value. - [NSW Stamp Duty Calculator](https://3tej.com/tools/au-nsw-stamp-duty-calculator): Estimate transfer duty for residential property purchases in New South Wales, including first-home buyer concessions. - [Salary Sacrifice Calculator](https://3tej.com/au/tools/au-salary-sacrifice): A 🇦🇺 Salary Sacrifice Calculator estimates your in-hand monthly pay from your CTC and tax regime. - [Super Calculator](https://3tej.com/au/tools/au-super-calculator): Super Calculator computes super balance at preservation age from salary, employer SG, years, return. Runs entirely in your browser. No login, no tracking of inputs. Best for Australian super projection. ## Insurance (14 tools) > Term vs whole life, premium vs coverage, and HDHP vs PPO trade-off helpers. - [Car Insurance Deductible Optimizer](https://3tej.com/tools/car-insurance-deductible-calculator): Car Insurance Deductible Optimizer takes vehicle price, down payment, rate, term and returns the matching car insurance deductible optimizer result. Runs entirely in your browser. No login, no tracking of inputs. - [Disability Insurance Calculator](https://3tej.com/tools/disability-insurance-calculator): Disability Insurance Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in your browser. No login, no tracking of inputs. Best for UK Stocks & Shares ISA projection. - [Disability Insurance Needs Calculator](https://3tej.com/tools/disability-insurance-needs-calculator): Disability insurance replaces income if you cannot work. Calculate the coverage amount you need based on monthly expenses, household earnings, and existing employer benefits. - [HDHP vs PPO Calculator](https://3tej.com/tools/hdhp-vs-ppo-calculator): Choose between High Deductible Health Plan (with HSA) and PPO based on expected medical use, premium difference, and tax savings. - [Health Insurance Estimator](https://3tej.com/tools/health-insurance): Health Insurance Estimator takes coverage, deductible, term, age and returns the matching health insurance estimator result. Runs entirely in your browser. No login, no tracking of inputs. - [Insurance Premium Calculator](https://3tej.com/tools/insurance-premium-calculator): Estimate your insurance premiums based on coverage amount and risk factors. - [Life Insurance Needs (DIME)](https://3tej.com/tools/life-insurance-needs-calculator): Life Insurance Needs (DIME) takes coverage, deductible, term, age and returns the matching life insurance needs (dime) result. Runs entirely in your browser. No login, no tracking of inputs. - [PPO vs HMO vs HDHP+HSA Picker 2026 (US)](https://3tej.com/tools/us-ppo-vs-hmo-vs-hdhp-picker): PPO vs HMO vs HDHP 2026, HSA $4400, health plan picker, ACA subsidy MAGI, MOOP 2026 ppo vs hmo vs hdhp+hsa picker 2026 (us) - [Renters Insurance Calculator](https://3tej.com/tools/renters-insurance-calculator): Renters Insurance Calculator takes coverage, deductible, term, age and returns the matching renters insurance result. Runs entirely in your browser. No login, no tracking of inputs. - [Term Insurance Cover](https://3tej.com/tools/term-insurance-cover): Term Insurance Cover takes coverage, deductible, term, age and returns the matching term insurance cover result. Runs entirely in your browser. No login, no tracking of inputs. - [Term Insurance vs Whole Life Insurance: Cheap protection vs lifetime cash value - which is actually right for your family?](https://3tej.com/tools/term-vs-whole-life-insurance): term vs whole life, whole life vs term, term life insurance vs whole life, life insurance comparison, buy term invest difference term insurance vs whole life insurance: cheap protection vs lifetime cash value - which is - [Term vs Whole Life Insurance](https://3tej.com/tools/term-vs-whole-life-insurance-calculator): Term vs Whole Life Insurance takes coverage, deductible, term, age and returns the matching term vs whole life insurance result. Runs entirely in your browser. No login, no tracking of inputs. - [Term vs Whole Life Insurance Picker 2026 (5 countries)](https://3tej.com/tools/term-vs-whole-life-insurance-picker): term vs whole life insurance 2026, buy term invest difference, 7702 plan, 80C insurance India, DIME need term vs whole life insurance picker 2026 (5 countries) - [Umbrella Insurance Calculator](https://3tej.com/tools/umbrella-insurance-calculator): Umbrella Insurance Calculator takes coverage, deductible, term, age and returns the matching umbrella insurance result. Runs entirely in your browser. No login, no tracking of inputs. ## Dev (14 tools) > Encoders, decoders, formatters, regex testers, and other engineer-grade utilities. - [AES Text Encryptor / Decryptor](https://3tej.com/tools/encrypt-decrypt-text-online): AES Text Encryptor / Decryptor takes token quantity, price, fees, holding period and returns the matching aes text encryptor / decryptor result. Runs entirely in your browser. No login, no tracking of inputs. - [Aesthetic Symbols](https://3tej.com/tools/aesthetic-symbols): Aesthetic Symbols takes source text, target style, optional rules and returns the matching aesthetic symbols result. Runs entirely in your browser. No login, no tracking of inputs. - [Base64 Encoder / Decoder](https://3tej.com/tools/base64-encode-decode): Base64 Encoder / Decoder takes source value and source unit and returns the matching base64 encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [Base64 Image Viewer](https://3tej.com/tools/base64-viewer): Base64 Image Viewer takes source value and source unit and returns the matching base64 image viewer result. Runs entirely in your browser. No login, no tracking of inputs. - [CSS Formatter](https://3tej.com/tools/css-formatter): CSS Formatter takes string, regex, format, count and returns the matching css formatter result. Runs entirely in your browser. No login, no tracking of inputs. - [CSS Minifier](https://3tej.com/tools/css-minifier): CSS Minifier takes string, regex, format, count and returns the matching css minifier result. Runs entirely in your browser. No login, no tracking of inputs. - [HTML Entity Encoder / Decoder](https://3tej.com/tools/html-entity-encoder): HTML Entity Encoder / Decoder takes string, regex, format, count and returns the matching html entity encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [JSON Formatter / Validator](https://3tej.com/tools/json-formatter): JSON Formatter / Validator takes string, regex, format, count and returns the matching json formatter / validator result. Runs entirely in your browser. No login, no tracking of inputs. - [JSON to CSV Converter](https://3tej.com/tools/json-to-csv): JSON to CSV Converter takes source value and source unit and returns the matching json to csv result. Runs entirely in your browser. No login, no tracking of inputs. - [JSON to XML Converter](https://3tej.com/tools/json-to-xml-converter): JSON to XML Converter takes string, regex, format, count and returns the matching json to xml result. Runs entirely in your browser. No login, no tracking of inputs. - [JWT Decoder](https://3tej.com/tools/jwt-decoder): JWT Decoder takes token quantity, price, fees, holding period and returns the matching jwt decoder result. Runs entirely in your browser. No login, no tracking of inputs. - [Regex Tester](https://3tej.com/tools/regex-tester): Regex Tester takes string, regex, format, count and returns the matching regex tester result. Runs entirely in your browser. No login, no tracking of inputs. - [Unix Timestamp Converter](https://3tej.com/tools/unix-timestamp-converter): Unix Timestamp Converter takes string, regex, format, count and returns the matching unix timestamp result. Runs entirely in your browser. No login, no tracking of inputs. - [URL Encoder / Decoder](https://3tej.com/tools/url-encode-decode): URL Encoder / Decoder takes string, regex, format, count and returns the matching url encoder / decoder result. Runs entirely in your browser. No login, no tracking of inputs. ## Games (14 tools) > Brain games, dice, puzzle solvers, and quick interactive utilities. - [♟️ Chess Clock](https://3tej.com/tools/chess-clock): ♟️ Chess Clock takes game state, settings, opponent profile and returns the matching ♟️ chess clock result. Runs entirely in your browser. No login, no tracking of inputs. - [⚡ Reaction Time Test](https://3tej.com/tools/reaction-time-test): ⚡ Reaction Time Test takes game state, settings, opponent profile and returns the matching ⚡ reaction time test result. Runs entirely in your browser. No login, no tracking of inputs. - [✊ Rock Paper Scissors AI](https://3tej.com/tools/rps-ai): RPS - solved in random play (33% each). But humans aren't random. The AI tracks your last move and predicts your next, biased toward your common patterns. Hard to beat consistently. - [🎮 2048 Game](https://3tej.com/tools/2048): 🎮 2048 Game takes game state, settings, opponent profile and returns the matching 🎮 2048 game result. Runs entirely in your browser. No login, no tracking of inputs. - [🎯 Aim Trainer](https://3tej.com/tools/aim-trainer): 🎯 Aim Trainer takes game state, settings, opponent profile and returns the matching 🎯 aim trainer result. Runs entirely in your browser. No login, no tracking of inputs. - [🎲 D&D Dice Roller](https://3tej.com/tools/dice-roller): 🎲 D&D Dice Roller takes format and optional constraints and returns the matching 🎲 d&d dice roller result. Runs entirely in your browser. No login, no tracking of inputs. - [🎲 Probability Simulator](https://3tej.com/tools/snake-eyes): 🎲 Probability Simulator is a free games & brain calculator that gives you a deterministic answer for 🎲 probability simulator questions. Runs entirely in your browser. No login, no tracking of inputs. - [🏛️ World Capitals Quiz](https://3tej.com/tools/capitals-quiz): 🏛️ World Capitals Quiz takes game state, settings, opponent profile and returns the matching 🏛️ world capitals quiz result. Runs entirely in your browser. No login, no tracking of inputs. - [🐍 Snake Game](https://3tej.com/tools/snake): Eat food to grow. Don't hit walls or yourself. Arrow keys / WASD. - [🔢 Sudoku](https://3tej.com/tools/sudoku): 🔢 Sudoku is a free games & brain calculator that gives you a deterministic answer for 🔢 sudoku questions. Runs entirely in your browser. No login, no tracking of inputs. - [🚩 Country Flags Quiz](https://3tej.com/tools/flags-quiz): 🚩 Country Flags Quiz takes game state, settings, opponent profile and returns the matching 🚩 country flags quiz result. Runs entirely in your browser. No login, no tracking of inputs. - [🟧 Tetris](https://3tej.com/tools/tetris): Stack the blocks. Clear full rows. Don't reach the top. - [🟩 Wordle](https://3tej.com/tools/wordle): Guess the 5-letter word in 6 tries. Green = right spot. Yellow = wrong spot. - [Chess Elo Rating Calculator](https://3tej.com/tools/chess-elo-calculator): Chess Elo Rating Calculator takes game state, settings, opponent profile and returns the matching chess elo rating result. Runs entirely in your browser. No login, no tracking of inputs. ## India Finance (13 tools) > New regime vs old regime, 80C, EPF, NPS, HRA, GST, and Indian salary math. - [🇮🇳 India Cost Inflation Index (CII) Indexation Calculator](https://3tej.com/tools/india-indexation-calculator): A 🇮🇳 India Cost Inflation Index (CII) Indexation Calculator computes 🇮🇳 india cost inflation index (cii) indexation from the inputs you provide. - [🇮🇳 India Home Loan Tax Benefit Calculator](https://3tej.com/tools/india-home-loan-tax): 🇮🇳 India Home Loan Tax Benefit Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entirely in your browser. No login, no tracking of inputs. Best for Generic loan payment. - [🇮🇳 Mutual Fund SWP Calculator (Systematic Withdrawal Plan)](https://3tej.com/tools/india-mutual-fund-swp): 🇮🇳 Mutual Fund SWP Calculator (Systematic Withdrawal Plan) computes sustainability years, ending balance from corpus, monthly withdrawal, expected return, years. Runs entirely in your browser. No login, no tracking of inputs. Best for Drawing income from a corpus. - [🇮🇳 Senior Citizen Savings Scheme (SCSS) Calculator](https://3tej.com/tools/india-scss-calculator): 🇮🇳 Senior Citizen Savings Scheme (SCSS) Calculator takes salary, HRA, 80C deductions, regime choice and returns the matching 🇮🇳 senior citizen savings scheme (scss) result. Runs entirely in your browser. No login, no tracking of inputs. - [2026 India New Tax Regime Slabs](https://3tej.com/tools/2026-india-new-regime): 2026 India New Tax Regime Slabs takes salary, HRA, 80C deductions, regime choice and returns the matching 2026 india new tax regime slabs result. Runs entirely in your browser. No login, no tracking of inputs. - [2026 India Old Tax Regime](https://3tej.com/tools/2026-india-old-regime): 2026 India Old Tax Regime takes salary, HRA, 80C deductions, regime choice and returns the matching 2026 india old tax regime result. Runs entirely in your browser. No login, no tracking of inputs. - [2027 India New Tax Regime Slabs](https://3tej.com/tools/2027-india-new-regime): 2027 India New Tax Regime Slabs takes salary, HRA, 80C deductions, regime choice and returns the matching 2027 india new tax regime slabs result. Runs entirely in your browser. No login, no tracking of inputs. - [2027 India Old Tax Regime](https://3tej.com/tools/2027-india-old-regime): 2027 India Old Tax Regime takes salary, HRA, 80C deductions, regime choice and returns the matching 2027 india old tax regime result. Runs entirely in your browser. No login, no tracking of inputs. - [India Home Loan Eligibility Calculator 2026](https://3tej.com/tools/india-home-loan-eligibility-calculator): India home loan eligibility 2026, FOIR calculator, CIBIL 750, LTV cap, RBI home loan india home loan eligibility calculator 2026 - [India Late ITR Filing Penalty Calculator](https://3tej.com/tools/india-late-filing-penalty-calculator): Estimate Section 234F late filing fee (Rs 1,000 or Rs 5,000) plus Section 234A interest (1%/month on unpaid tax) and optional Section 234B/234C interest on advance tax shortfalls for Assessment Year 2026-27. Flags loss of carry-forward under Section 80. Per Income Tax Act 1961 as amended by Finance Act 2025. - [India Old vs New Regime Quiz (FY 2025-26)](https://3tej.com/tools/india-old-vs-new-regime-quiz): India Old vs New Regime Quiz (FY 2025-26) computes tax under each regime, recommended choice from salary, 80C, HRA, other deductions. Runs entirely in your browser. No login, no tracking of inputs. Best for India regime decision. - [India Personal Loan Eligibility Calculator 2026](https://3tej.com/tools/india-personal-loan-eligibility-calculator): India personal loan eligibility 2026, salary multiple FOIR, NBFC personal loan rate, gold loan alternative india personal loan eligibility calculator 2026 - [TDS on Salary Calculator](https://3tej.com/tools/tds-calculator): TDS on Salary Calculator takes salary, HRA, 80C deductions, regime choice and returns the matching tds on salary result. Runs entirely in your browser. No login, no tracking of inputs. ## Cooking (13 tools) > Recipe scaling, baking ratios, oven temperature, and hydration math. - [Baking Cup to Gram](https://3tej.com/tools/baking-cup-to-gram-calculator): Baking Cup to Gram takes ingredient quantity, servings, temperature and returns the matching baking cup to gram result. Runs entirely in your browser. No login, no tracking of inputs. - [Baking Temperature Converter](https://3tej.com/tools/baking-temperature-converter): Baking Temperature Converter takes height, weight, age, sex, activity and returns the matching baking temperature result. Runs entirely in your browser. No login, no tracking of inputs. - [BBQ Rub Recipe Calculator](https://3tej.com/tools/bbq-rub-calculator): BBQ Rub Recipe Calculator takes ingredient quantity, servings, temperature and returns the matching bbq rub recipe result. Runs entirely in your browser. No login, no tracking of inputs. - [Coffee Aeropress + Espresso Calculator](https://3tej.com/tools/coffee-aeropress-ratio-calculator): Coffee Aeropress + Espresso Calculator takes numbers, ranges, parameters and returns the matching coffee aeropress + espresso result. Runs entirely in your browser. No login, no tracking of inputs. - [High Altitude Baking Adjustment](https://3tej.com/tools/baking-altitude-adjustment-calculator): High Altitude Baking Adjustment takes ingredient quantity, servings, temperature and returns the matching high altitude baking adjustment result. Runs entirely in your browser. No login, no tracking of inputs. - [Meat Cooking Time Calculator](https://3tej.com/tools/meat-cooking-time-calculator): Weight + cut + doneness = time + internal temp. - [Online Course Pricing Calculator](https://3tej.com/tools/online-course-pricing-calculator): A Online Course Pricing Calculator computes online course pricing from the inputs you provide. - [Oven Temperature Converter](https://3tej.com/tools/oven-temperature-converter): Oven Temperature Converter takes height, weight, age, sex, activity and returns the matching oven temperature result. Runs entirely in your browser. No login, no tracking of inputs. - [Pickle Brine Calculator](https://3tej.com/tools/pickle-brine-calculator): Pickle Brine Calculator takes ingredient quantity, servings, temperature and returns the matching pickle brine result. Runs entirely in your browser. No login, no tracking of inputs. - [Pizza Dough Calculator (Baker's %)](https://3tej.com/tools/pizza-dough-calculator): Baker's percentages: 60% hydration, 2.5% salt, 0.3% IDY. - [Pour Over Coffee Calculator](https://3tej.com/tools/pour-over-coffee-calculator): Pour Over Coffee Calculator takes ingredient quantity, servings, temperature and returns the matching pour over coffee result. Runs entirely in your browser. No login, no tracking of inputs. - [Recipe Scaling Calculator](https://3tej.com/tools/recipe-scaling-calculator): Recipe Scaling Calculator takes ingredient quantity, servings, temperature and returns the matching recipe scaling result. Runs entirely in your browser. No login, no tracking of inputs. - [Sourdough Hydration Calculator](https://3tej.com/tools/sourdough-hydration-calculator): Sourdough Hydration Calculator takes ingredient quantity, servings, temperature and returns the matching sourdough hydration result. Runs entirely in your browser. No login, no tracking of inputs. ## Physics (12 tools) > Mechanics, electricity, waves, optics, and engineering physics math. - [Dilution Calculator (C1V1=C2V2)](https://3tej.com/tools/dilution-calculator): Dilution Calculator (C1V1=C2V2) is a free chemistry calculator that gives you a deterministic answer for dilution calculator (c1v1=c2v2) questions. Runs entirely in your browser. No login, no tracking of inputs. - [Escape Velocity Calculator](https://3tej.com/tools/escape-velocity-calculator): Escape Velocity Calculator takes mass, velocity, force, field strength and returns the matching escape velocity result. Runs entirely in your browser. No login, no tracking of inputs. - [Force Calculator (F=ma)](https://3tej.com/tools/force-calculator): Force Calculator (F=ma) takes mass, velocity, force, field strength and returns the matching force calculator (f=ma) result. Runs entirely in your browser. No login, no tracking of inputs. - [Ideal Gas Law Calculator](https://3tej.com/tools/ideal-gas-law-calculator): Ideal Gas Law Calculator is a free chemistry calculator that gives you a deterministic answer for ideal gas law questions. Runs entirely in your browser. No login, no tracking of inputs. - [Kinetic Energy Calculator](https://3tej.com/tools/kinetic-energy-calculator): Kinetic Energy Calculator takes mass, velocity, force, field strength and returns the matching kinetic energy result. Runs entirely in your browser. No login, no tracking of inputs. - [Molarity Calculator](https://3tej.com/tools/molarity-calculator): Molarity Calculator is a free chemistry calculator that gives you a deterministic answer for molarity questions. Runs entirely in your browser. No login, no tracking of inputs. - [Music Note Frequency](https://3tej.com/tools/music-note-frequency-calculator): Music Note Frequency takes mass, velocity, force, field strength and returns the matching music note frequency result. Runs entirely in your browser. No login, no tracking of inputs. - [Ohm's Law Calculator](https://3tej.com/tools/ohms-law-calculator): Ohm's Law Calculator takes mass, velocity, force, field strength and returns the matching ohm's law result. Runs entirely in your browser. No login, no tracking of inputs. - [Orbital Period Calculator](https://3tej.com/tools/orbital-period-calculator): Orbital Period Calculator takes mass, velocity, force, field strength and returns the matching orbital period result. Runs entirely in your browser. No login, no tracking of inputs. - [pH Calculator](https://3tej.com/tools/ph-calculator): pH = -log[H+]. 7 neutral, 7 basic. Each unit = 10×. - [Potential Energy Calculator](https://3tej.com/tools/potential-energy-calculator): Potential Energy Calculator takes mass, velocity, force, field strength and returns the matching potential energy result. Runs entirely in your browser. No login, no tracking of inputs. - [Wavelength Frequency Calculator](https://3tej.com/tools/wavelength-frequency-calculator): Wavelength Frequency Calculator takes mass, velocity, force, field strength and returns the matching wavelength frequency result. Runs entirely in your browser. No login, no tracking of inputs. ## Career (11 tools) > Salary, bonus, raise, take-home, paycheck, GPA, and grade calculators. Worked against 2026 rules. - [Comfortable Living Salary by City 2026 (16-City Calculator)](https://3tej.com/tools/comfortable-living-salary-by-city): Free 2026 calculator: required gross annual salary for a comfortable life in 16 major cities (NYC, San Francisco, Chicago, LA, Seattle, London, Manchester, Mumbai, Bangalore, Delhi, Singapore, Dubai, Toronto, Vancouver, Sydney, Berlin). Adjustable by household size, lifestyle tier (Basic / Comfortable / Premium), car ownership and renting vs owning. Tax-aware back-calc from a real budget. Numbeo Q1 2026 + ONS + BLS + MAS + Statistics India data. - [Cost of Living Comparison](https://3tej.com/tools/cost-of-living-comparison-calculator): Compare salary purchasing power between cities. - [Deferred Compensation Calculator](https://3tej.com/tools/deferred-comp-calculator): Deferred Compensation Calculator takes filing status, wages, deductions, credits and returns the matching deferred compensation result. Runs entirely in your browser. No login, no tracking of inputs. - [Exam Grade Needed](https://3tej.com/tools/exam-grade-needed-calculator): Exam Grade Needed takes habit, frequency, target and returns the matching exam grade needed result. Runs entirely in your browser. No login, no tracking of inputs. - [Final Grade Calculator](https://3tej.com/tools/grade-calculator): What grade do you need on the final to get your target overall grade? - [Freelancer Go/No-Go Decision Calculator (8 countries)](https://3tej.com/tools/freelancer-go-no-go-calculator): should I quit my job to freelance 2026, freelance runway, healthcare bridge, 1099 vs W-2, SE tax freelancer go/no-go decision calculator (8 countries) - [GPA Calculator](https://3tej.com/tools/gpa-calculator): GPA Calculator takes habit, frequency, target and returns the matching gpa result. Runs entirely in your browser. No login, no tracking of inputs. - [Job Offer Comparison Calculator](https://3tej.com/tools/job-offer-comparison-calculator): Total comp = base + bonus + equity + benefits. Don't compare base alone. - [Multi-Country Job Offer Comparator 2026](https://3tej.com/tools/job-offer-comparator-multi-country): job offer comparison 2026, total compensation RSU, cost of living, San Francisco vs Seattle vs Dubai multi-country job offer comparator 2026 - [Resume Builder + ATS Score](https://3tej.com/tools/resume-builder): A Resume Builder + ATS Score computes resume builder + ats score from the inputs you provide. - [Should I Take This Raise? Calculator 2026](https://3tej.com/tools/should-i-take-this-raise-calculator): Decide whether a salary raise or new job offer is worth it. Net-of-tax delta, true hourly compensation (commute counted), traffic-light verdict across US, UK, IN, CA, AU, SG, AE, DE. Commute valued at 0.5x net wage per 2018 NBER paper (Card, Cardoso, Kline). 2026 brackets. ## Garden (10 tools) > Soil, fertilizer, plant spacing, and growing-season math for the garden. - [Compost Bin Calculator](https://3tej.com/tools/compost-bin-calculator): Pounds of browns and greens to fill a bin at the ideal C:N ratio. - [Compost C:N Ratio Calculator](https://3tej.com/tools/compost-cn-ratio-calculator): Compost C:N Ratio Calculator takes numbers, ranges, parameters and returns the matching compost c:n ratio result. Runs entirely in your browser. No login, no tracking of inputs. - [Irrigation Water Budget Calculator](https://3tej.com/tools/irrigation-water-budget-calculator): Irrigation Water Budget Calculator computes internal rate of return from cash flow stream (initial outflow then inflows). Runs entirely in your browser. No login, no tracking of inputs. Best for Single-rate-of-return summary. - [Lawn Fertilizer Calculator](https://3tej.com/tools/lawn-fertilizer-calculator): Lawn Fertilizer Calculator takes project parameters or constraints and returns the matching lawn fertilizer result. Runs entirely in your browser. No login, no tracking of inputs. - [Lawn Mower Buy vs Hire](https://3tej.com/tools/lawn-mower-cost-calculator): Compare buying a mower vs hiring a service over 5 years. - [Lawn Mulch Thickness Calculator](https://3tej.com/tools/lawn-mulch-thickness-calculator): Lawn Mulch Thickness Calculator takes length, area, volume, material rate and returns the matching lawn mulch thickness result. Runs entirely in your browser. No login, no tracking of inputs. - [Lawn Watering Schedule](https://3tej.com/tools/lawn-watering-schedule-calculator): 1 inch/week including rain. Deep + infrequent > shallow + daily. - [Mulch Calculator](https://3tej.com/tools/mulch-calculator): Mulch Calculator takes length, area, volume, material rate and returns the matching mulch result. Runs entirely in your browser. No login, no tracking of inputs. - [Raised Bed Soil Calculator](https://3tej.com/tools/raised-bed-soil-calculator): L × W × depth = cubic feet → cubic yards → bags. - [Seed Spacing Calculator](https://3tej.com/tools/seed-spacing-calculator): Seed Spacing Calculator takes project parameters or constraints and returns the matching seed spacing result. Runs entirely in your browser. No login, no tracking of inputs. ## Hobby (10 tools) > Photography, music, pets, astronomy, and other hobby-specific math. - [🎵 Metronome](https://3tej.com/tools/metronome): 🎵 Metronome takes project parameters or constraints and returns the matching 🎵 metronome result. Runs entirely in your browser. No login, no tracking of inputs. - [Book Recommendation Tool](https://3tej.com/tools/book-recommendations): AI book recommender that suggests what to read next based on your favorite books, genres, mood and length. Free, no signup, no tracking of your answers. - [Carpet Cost Calculator](https://3tej.com/tools/carpet-cost-calculator): Carpet $2-8/ft² · Padding $0.30-0.80/ft² · Install $1-2/ft². - [Cat Age in Human Years](https://3tej.com/tools/cat-age-human-calculator): Cat Age in Human Years takes two timestamps or a base plus delta and returns the matching cat age in human years result. Runs entirely in your browser. No login, no tracking of inputs. - [Cat Food Portion Calculator](https://3tej.com/tools/cat-food-portion-calculator): Cat Food Portion Calculator is a free pets calculator that gives you a deterministic answer for cat food portion questions. Runs entirely in your browser. No login, no tracking of inputs. - [Dog Age in Human Years](https://3tej.com/tools/dog-age-human-calculator): Dog Age in Human Years takes two timestamps or a base plus delta and returns the matching dog age in human years result. Runs entirely in your browser. No login, no tracking of inputs. - [Dog Food Portion Calculator](https://3tej.com/tools/dog-food-portion-calculator): Dog Food Portion Calculator is a free pets calculator that gives you a deterministic answer for dog food portion questions. Runs entirely in your browser. No login, no tracking of inputs. - [Knitting Yarn Calculator](https://3tej.com/tools/knitting-yarn-calculator): Knitting Yarn Calculator takes project parameters or constraints and returns the matching knitting yarn result. Runs entirely in your browser. No login, no tracking of inputs. - [Pet Insurance Cost Calculator](https://3tej.com/tools/pet-insurance-cost-calculator): Pet Insurance Cost Calculator takes coverage, deductible, term, age and returns the matching pet insurance cost result. Runs entirely in your browser. No login, no tracking of inputs. - [SERP Snippet Preview](https://3tej.com/tools/serp-snippet-preview): SERP Snippet Preview is a free seo calculator that gives you a deterministic answer for serp snippet preview questions. Runs entirely in your browser. No login, no tracking of inputs. ## Lifestyle (8 tools) > Travel, climate, family, and everyday lifestyle calculators. - [🍅 Pomodoro Timer](https://3tej.com/tools/pomodoro): 🍅 Pomodoro Timer takes two timestamps or a base plus delta and returns the matching 🍅 pomodoro timer result. Runs entirely in your browser. No login, no tracking of inputs. - [Airline Miles vs Cash Calculator](https://3tej.com/tools/airline-mileage-vs-cash-calculator): Airline Miles vs Cash Calculator takes vehicle price, down payment, rate, term and returns the matching airline miles vs cash result. Runs entirely in your browser. No login, no tracking of inputs. - [Cruise Vacation Budget](https://3tej.com/tools/cruise-vacation-budget-calculator): Cabin + extras can double the trip cost. Plan ahead. - [Destination Wedding Cost Calculator](https://3tej.com/tools/destination-wedding-cost-calculator): A Destination Wedding Cost Calculator computes destination wedding cost from the inputs you provide. - [Nanny vs Daycare Calculator](https://3tej.com/tools/nanny-vs-daycare-calculator): Daycare: $1,500/mo · Nanny: $3,000/mo. But nanny scales free for 2-3 kids. - [Sleep Calculator](https://3tej.com/tools/sleep-calculator): Sleep Calculator takes height, weight, age, sex, activity and returns the matching sleep result. Runs entirely in your browser. No login, no tracking of inputs. - [Vacation Budget Calculator](https://3tej.com/tools/vacation-budget-calculator): Plan ahead. Travelers underestimate by 25-40 percent on average. - [Wedding Cost Per Guest](https://3tej.com/tools/wedding-cost-per-guest-calculator): A Wedding Cost Per Guest Calculator computes wedding cost per guest from the inputs you provide. ## Pregnancy (8 tools) > Due date, ovulation, gestational age, and pregnancy-specific math. - [Baby Formula Calculator](https://3tej.com/tools/baby-formula-calculator): Baby Formula Calculator takes height, weight, age, sex, activity and returns the matching baby formula result. Runs entirely in your browser. No login, no tracking of inputs. - [Baby Weight Calculator](https://3tej.com/tools/baby-weight-calculator): Estimate fetal weight by gestational age using a Hadlock-curve approximation with 10th to 90th percentile reference range. - [Ovulation Calculator](https://3tej.com/tools/ovulation-calculator): Ovulation Calculator computes fertile window, ovulation day from last period, cycle length. Runs entirely in your browser. No login, no tracking of inputs. Best for Fertile window estimate. - [Period & Ovulation Calculator](https://3tej.com/tools/period-calculator): Period & Ovulation Calculator takes height, weight, age, sex, activity and returns the matching period & ovulation result. Runs entirely in your browser. No login, no tracking of inputs. - [Pregnancy Conception Date Calculator](https://3tej.com/tools/pregnancy-conception-date-calculator): Pregnancy Conception Date Calculator computes date difference or future/past date from start date, end date, or duration. Runs entirely in your browser. No login, no tracking of inputs. Best for Date math. - [Pregnancy Due Date](https://3tej.com/tools/pregnancy-due-date): Pregnancy Due Date computes estimated due date, current week from last menstrual period date, cycle length. Runs entirely in your browser. No login, no tracking of inputs. Best for Pregnancy due date. - [Pregnancy Trimester Calculator](https://3tej.com/tools/pregnancy-trimester-calculator): Pregnancy Trimester Calculator takes height, weight, age, sex, activity and returns the matching pregnancy trimester result. Runs entirely in your browser. No login, no tracking of inputs. - [Pregnancy Weight Gain Calculator](https://3tej.com/tools/pregnancy-weight-gain-calculator): Pregnancy Weight Gain Calculator takes height, weight, age, sex, activity and returns the matching pregnancy weight gain result. Runs entirely in your browser. No login, no tracking of inputs. ## Crypto (6 tools) > Crypto P&L, APR/APY, position sizing, and tax-event ledger helpers. - [Crypto Cost Basis Calculator](https://3tej.com/tools/crypto-cost-basis-calculator): Crypto Cost Basis Calculator computes realised gain, cost basis per coin from buy lots (quantity, price, fees), sale lots. Runs entirely in your browser. No login, no tracking of inputs. Best for Crypto tax basis tracking. - [Crypto Profit/Loss Calculator](https://3tej.com/tools/crypto-profit-loss-calculator): Crypto Profit/Loss Calculator takes token quantity, price, fees, holding period and returns the matching crypto profit/loss result. Runs entirely in your browser. No login, no tracking of inputs. - [Crypto Staking Yield Calculator](https://3tej.com/tools/crypto-staking-yield-calculator): Crypto Staking Yield Calculator takes token quantity, price, fees, holding period and returns the matching crypto staking yield result. Runs entirely in your browser. No login, no tracking of inputs. - [Crypto Tax Calculator](https://3tej.com/tools/crypto-tax): Crypto Tax Calculator takes token quantity, price, fees, holding period and returns the matching crypto tax result. Runs entirely in your browser. No login, no tracking of inputs. - [Iron Deficiency Calculator](https://3tej.com/tools/iron-deficiency-calculator): Iron Deficiency Calculator takes token quantity, price, fees, holding period and returns the matching iron deficiency result. Runs entirely in your browser. No login, no tracking of inputs. - [Mining Profitability Calculator](https://3tej.com/tools/mining-profitability-calculator): Mining Profitability Calculator takes token quantity, price, fees, holding period and returns the matching mining profitability result. Runs entirely in your browser. No login, no tracking of inputs. Generated: 2026-06-02T15:20:46.349Z