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Terms & Conditions โ€” AI Advice

1. Informational Purpose Only

AI financial advice by 1Utility is for general informational and educational purposes only.

2. No Fiduciary Relationship

Use of this tool does not create a financial advisorโ€“client relationship.

3. Accuracy Disclaimer

Calculations are estimates based on inputs provided. Always consult a qualified professional.

4. AI Limitations

AI advice may contain errors. Never make financial decisions solely on AI-generated insights.

5. Feature Availability

AI Advice is currently disabled and will be available in a future release.

Privacy Policy

Last Updated: June 2026

1. Information We Collect

We do not directly store personal information. All calculations are performed locally in your browser.

2. Google Analytics

We use Google Analytics to understand how users interact with our site.

3. Google AdSense

We use Google AdSense to display advertisements. AdSense may use cookies to show personalized ads. Google's Privacy Policy.

4. Cookies

This site uses cookies for essential functionality, analytics, and advertising.

5. Data Security

Your calculation data never leaves your device.

About 1Utility

One Tool For All

1Utility is a free collection of 70+ online calculators, 5 comprehensive guides, a resume builder, and a crypto tracker for students, professionals, and everyday users.

Our Mission

Powerful tools and knowledge should be simple, beautiful, and accessible โ€” completely free, no sign-up required.

What We Offer

Built with โค๏ธ in India for users worldwide.

Contact Us

We'd love to hear from you!

Get in Touch

Email: Click to email us

Feedback & Suggestions: We welcome your ideas to improve 1Utility.

Business / Partnership

For business inquiries or collaborations, please reach out via email.

We usually reply within 24โ€“48 hours.

1UTILITY.NET

1Utility

Calculators + Guides + Tools โ€” Free. Fast. Accurate.

70+
Free Calculators
5
Comprehensive Guides
โ‚น $ ยฃ
20+ Currencies
100%
Free Forever
๐Ÿ”’
No Sign-up
๐Ÿ‡ฎ๐Ÿ‡ณ Auto

1Utility is a free collection of 40+ calculators covering personal finance, health, academics, and salary planning. Every tool runs the same formulas used by banks, universities, and HR teams โ€” EMI and SIP math follows standard amortization and compound-interest formulas, BMI and BMR use the Mifflin-St Jeor and WHO reference ranges, and Indian tax calculators are kept current with the latest old-regime and new-regime slabs. Nothing you enter is uploaded anywhere: every calculation runs locally in your browser.

๐Ÿ’ฐ
Finance Calculators
EMI ยท SIP ยท FD ยท Retirement ยท Currency โ€” Plan your money with precision

These five tools cover the most common money decisions: working out a loan EMI before you sign, projecting what a monthly SIP could grow into, checking a fixed deposit's maturity value, sizing the retirement corpus you'll actually need after inflation, and converting between 20+ currencies at live exchange rates. Each calculator shows its formula and a quick comparison table so you can see exactly how the number was reached, not just the result.

๐Ÿฆ
EMI / Loan Calculator
Home ยท Car ยท Personal loans
๐Ÿ“ˆ
SIP / Investment Calculator
Mutual funds & SIP returns
๐Ÿ›
Fixed Deposit Calculator
FD / CD maturity amount
๐ŸŒ…
Retirement Planner
Corpus & monthly SIP need
๐Ÿ’ฑ
Currency Converter
Live global exchange rates
โค๏ธ
Health Calculators
BMI ยท TDEE ยท Calorie ยท Pregnancy ยท Sleep โ€” Tools for a healthier you

Body & Fitness tools (BMI, body fat, BMR, TDEE) help you understand where you stand and how many calories you actually burn in a day, using the same Mifflin-St Jeor and US Navy formulas clinics use. Medical & Wellness tools (heart rate zones, blood pressure category, diabetes risk, sleep cycles) are screening aids, not diagnoses โ€” they're built to flag when a number is worth discussing with a doctor, not to replace one.

Full Page
โš–๏ธ
BMI Calculator
Body Mass Index
Full Page
๐Ÿ’ช
Body Fat
US Navy Method
Full Page
๐ŸŽฏ
Ideal Weight
Multiple Formulas
Full Page
๐Ÿ”ฅ
BMR Calculator
Basal Metabolic Rate
Full Page
โšก
TDEE Calculator
Daily Energy
Full Page
๐ŸŽ
Calorie Goal
By Activity & Goal
Full Page
๐Ÿ’ง
Water Intake
Daily Hydration
Full Page
๐Ÿฅฉ
Protein Intake
Daily Requirement
Full Page
๐Ÿคฐ
Pregnancy Date
Due Date Estimator
Full Page
๐ŸŒธ
Ovulation
Fertile Window
Full Page
โค๏ธ
Heart Rate Zones
Training Zones
Full Page
๐Ÿฉบ
Blood Pressure
AHA Categories
Full Page
๐Ÿฉธ
Diabetes Risk
ADA Screening
Full Page
๐Ÿ˜ด
Sleep Calculator
Sleep Cycles
Full Page
๐ŸŽ‚
Age Calculator
Exact Age
๐ŸŽ“
Academic Calculators
CGPA ยท GPA ยท Percentage ยท Attendance ยท Rank โ€” Ace your academics

Built around what Indian and international students actually need each semester: converting CGPA to a percentage for job applications, working out exactly how many classes you can afford to miss without falling below the attendance cutoff, predicting a rank from a competitive-exam score, and weighing how a backlog affects your overall CGPA before you decide whether to clear it now or later.

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๐Ÿ“Š
Percentage
Marks to %
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๐Ÿ”„
CGPA โ†’ %
10-Point Scale
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๐Ÿ”„
% โ†’ CGPA
Reverse Convert
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๐Ÿ“
Marks Total
Subject Average
Full Page
๐Ÿ…
Grade Finder
India / US / UK
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๐Ÿ”ฌ
Scientific Calc
Math Operations
Full Page
๐Ÿ”ข
Matrix Calc
2ร—2 & 3ร—3
Full Page
๐Ÿ“
GPA Converter
4.0 Scale
Full Page
๐Ÿ“…
Attendance
Min Required
Full Page
๐Ÿ“
Unit Converter
Length, Weight +
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๐Ÿ†
Rank Predictor
Score to Rank
Full Page
โœ‚๏ธ
Cutoff Checker
Cleared?
Full Page
๐ŸŽฏ
Score Calc
Negative Marking
Full Page
๐Ÿ“š
Semester GPA
Credit Weighted
Full Page
๐ŸŽ“
CGPA Calc
Across Semesters
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โš ๏ธ
Backlog Impact
CGPA Effect
๐Ÿ“ˆ
Salary & Hike Calculators
CTC ยท Tax ยท PF ยท Gratuity ยท Freelance โ€” Know your true earnings

CTC numbers in an offer letter rarely match what lands in your account. These tools translate a CTC figure into real monthly take-home under both the old and new Indian tax regimes, break down PF, gratuity, and NPS contributions, and help freelancers work backward from a target monthly income to a defensible hourly rate.

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๐Ÿ’ต
In-Hand Salary
Monthly Take-Home
Full Page
๐Ÿ“‹
CTC Breakdown
Full Structure
Full Page
๐Ÿ“ˆ
Salary Hike
New CTC
Full Page
โž•
Increment Calc
Monthly Difference
Full Page
๐ŸŽ
Bonus Calculator
Net After Tax
Full Page
๐Ÿ“œ
Old Tax Regime
India FY 2024-25
Full Page
๐Ÿ†•
New Tax Regime
Default Regime
Full Page
๐Ÿงพ
Income Tax
India / US / UK
Full Page
๐Ÿ 
HRA Exemption
Tax Savings
Full Page
๐Ÿ’ฐ
80C Savings
Section 80C
Full Page
๐Ÿฆ
PF Calculator
Monthly Deduction
Full Page
๐Ÿ›
EPF Maturity
Retirement Corpus
Full Page
๐Ÿค
Gratuity
Payment Act 1972
Full Page
๐ŸŒ…
NPS Calculator
Pension Planning
Full Page
๐Ÿ–
Leave Encashment
Paid Leave Value
Full Page
๐Ÿš€
Promotion Hike
New Package
Full Page
๐Ÿ’ป
Freelance Rate
Min Hourly Rate
Full Page
โฑ
Hourly Rate
Annual to Hourly
๐Ÿ“„
PDF Tools
Merge ยท Split ยท Compress ยท Convert โ€” All processed locally in your browser

Every tool here runs entirely in your browser using your device's own processing power โ€” your files are never uploaded to a server, which also means there's no upload wait and no file-size limit imposed by us. Combine documents before sending them out, pull just the pages you need from a long report, shrink a file that's too big to email, or convert between images and PDF in either direction.

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๐Ÿ”—
Merge PDF
Combine multiple files
Full Page
โœ‚๏ธ
Split PDF
One file per page or range
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๐Ÿ“‘
Extract Pages
Pull out specific pages
Full Page
๐Ÿ—‘
Delete Pages
Remove unwanted pages
Full Page
๐Ÿ”€
Reorder Pages
Drag to rearrange
Full Page
๐Ÿ“ƒ
Word to PDF
DOCX โ†’ PDF
Full Page
๐Ÿ–ผ
Images to PDF
JPG/PNG โ†’ PDF
Full Page
๐Ÿ“ท
PDF to Images
PDF โ†’ JPG/PNG
Full Page
๐Ÿ“
PDF to Text
Extract readable text
Full Page
๐Ÿ—œ
Compress PDF
Shrink file size
Full Page
๐Ÿ”„
Rotate PDF
Fix sideways pages
Full Page
๐Ÿ’ง
Watermark PDF
Add text overlay
Full Page
๐Ÿ”’
Flatten PDF
Lock form fields
๐Ÿ–ผ
Image Tools
Resize ยท Convert โ€” All processed locally in your browser

Resize a photo to exact dimensions or convert it between JPG, PNG, and WEBP โ€” all using the Canvas API built into your browser, so nothing is ever uploaded to a server. Useful for prepping a profile picture, shrinking an image before emailing it, or converting to a web-friendly format.

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๐Ÿ“
Image Resize
Exact pixels or %
Full Page
๐Ÿ”„
Format Converter
JPG ยท PNG ยท WEBP

๐Ÿ“š Comprehensive Guides & Tools

Deep-dive guides with real examples, case studies, and strategies โ€” plus powerful tools to help you plan your career, finances, and life.

๐Ÿ’ฐ

Financial Independence

Master FI numbers, understand the 4% rule, compare SIP vs lump sum, and see real case studies of people reaching FI at 25, 30, 40 years old.

Read Guide โ†’
๐Ÿ“Š

Income Tax 2024-25

Navigate old vs new tax regime, maximize Section 80C & HRA exemption, and see real salary examples (โ‚น10L, โ‚น20L, โ‚น50L) with tax calculations.

Read Guide โ†’
๐Ÿ’ผ

Salary & Career

Decode CTC breakdown, learn negotiation strategies with scripts, understand your real take-home pay, and make career switches wisely.

Read Guide โ†’
๐Ÿ’ช

Nutrition & Fitness

Calculate TDEE, optimize macros, understand calorie deficits, and find high-protein vegetarian/vegan meal plans for muscle building or fat loss.

Read Guide โ†’
๐ŸŽ“

Student Success

Master CGPA calculations, manage attendance, understand backlog impact, and get proven strategies for competitive exams (JEE, NEET, etc.).

Read Guide โ†’

How 1Utility Works

1Utility was built because most calculator sites either hide their formulas or ask for sign-up before showing a result. Every tool here is the opposite: open the calculator, see the inputs, see the formula it uses, and get the answer instantly โ€” no account, no email, no waiting screen disguised as an ad.

Frequently Asked Questions

Is 1Utility actually free?
Yes. Every calculator on this site is free, with no usage limits, paywalls, or sign-up requirement. The site is supported by display advertising rather than subscriptions.
Where does my calculation data go?
Nowhere off your device. Every EMI, SIP, BMI, or salary figure you enter is computed directly in your browser with JavaScript โ€” none of it is sent to a server or stored by us.
How current are the tax slabs and interest rate examples?
Indian income-tax calculators follow the published old-regime and new-regime slabs for the current financial year, including the standard deduction and Section 87A rebate. Interest-rate comparison tables are illustrative ranges, not live bank rates โ€” always confirm the exact rate with your lender before signing.
Which currency do the finance calculators use?
The site auto-detects your region from your browser's timezone and defaults to your local currency symbol, with 20+ currencies available from the region selector. The currency converter itself pulls live mid-market exchange rates.
Can I rely on the health calculators instead of seeing a doctor?
No. BMI, BMR, blood pressure category, and diabetes-risk results are educational screening estimates based on standard published formulas โ€” they're a starting point for a conversation with a healthcare professional, not a diagnosis.
Do these calculators work outside India?
The Health and Academic tools work for anyone. The Salary & Tax tools are built around Indian payroll structures (PF, gratuity, HRA, old/new tax regime), though the Income Tax calculator also supports US and UK brackets.