# Toolgu

> Free online tools for text, math, finance, PDF, images, developer and design tasks. Fast, private, no sign-up: everything runs in your browser.

All tools are free, need no account, and process text and files on the user's own device; nothing is uploaded.

The full text of every page, as Markdown in one file: https://toolgu.com/llms-full.txt

## Text Tools

Free text tools for writers, students and marketers. Count words and characters, change letter case, compare drafts and clean up lists, all instantly in your browser.

- [Word Counter](https://toolgu.com/text/word-counter): Words, characters, sentences and reading time
- [Case Converter](https://toolgu.com/text/case-converter): UPPERCASE, lowercase, Title Case, Sentence case
- [Text Compare](https://toolgu.com/text/text-diff): Highlight differences between two texts
- [Remove Duplicate Lines](https://toolgu.com/text/remove-duplicates): Clean lists and keep unique lines
- [URL Slug Generator](https://toolgu.com/text/slug-generator): Turn titles into clean, SEO-friendly slugs
- [Sort Lines](https://toolgu.com/text/sort-lines): Alphabetical, numeric, length or random order
- [Find and Replace](https://toolgu.com/text/find-replace): Bulk replace text, with optional regex
- [Markdown Preview](https://toolgu.com/text/markdown-preview): Live preview and export to HTML
- [Morse Code Translator](https://toolgu.com/text/morse-code-translator): Text to Morse code and back, with sound and light
- [Typing Test](https://toolgu.com/text/typing-test): Check your typing speed in WPM and accuracy
- [Speech Time Calculator](https://toolgu.com/text/speech-time-calculator): How long your speech takes, and words needed for any length
- [Font Generator](https://toolgu.com/text/font-generator): Fancy text in 40 copy-and-paste fonts: cursive, bold, bubble and more
- [Bold Text Generator](https://toolgu.com/text/bold-text-generator): Bold, bold italic and bold cursive text to copy and paste
- [Cursive Text Generator](https://toolgu.com/text/cursive-text-generator): Cursive and script letters to copy and paste
- [Small Text Generator](https://toolgu.com/text/small-text-generator): Tiny text: small caps, superscript and subscript
- [Strikethrough Text Generator](https://toolgu.com/text/strikethrough-text-generator): Cross out text to copy and paste anywhere
- [Upside Down Text Generator](https://toolgu.com/text/upside-down-text-generator): Flip text upside down, mirror it or write it backwards
- [Dutch Reply Writer](https://toolgu.com/text/dutch-reply-writer): Formal Dutch letters and emails with an English translation
- [Dutch Letter Explainer](https://toolgu.com/text/dutch-letter-explainer): Understand a Dutch official letter: sender, deadline, amount and words explained

## Math & Calculators

Quick, accurate calculators for everyday numbers: percentages, BMI, ages, dates, units and more. Each one shows its formula so you can check the working.

- [Tip Calculator](https://toolgu.com/math/tip-calculator): Tip, total and split the bill, with tip before tax
- [Time Card Calculator](https://toolgu.com/math/time-card-calculator): Weekly or biweekly hours with breaks and overtime
- [Military Time Converter](https://toolgu.com/math/military-time-converter): 24-hour clock to regular time and back, with a chart
- [Percentage Calculator](https://toolgu.com/math/percentage-calculator): X% of Y, % change, % difference
- [Percentage Difference Calculator](https://toolgu.com/math/percentage-difference-calculator): Percentage difference between two numbers
- [BMI Calculator](https://toolgu.com/math/bmi-calculator): Metric (kg, cm) or imperial (lb, ft, in)
- [Age Calculator](https://toolgu.com/math/age-calculator): Exact age in years, months and days
- [Unit Converter](https://toolgu.com/math/unit-converter): Length, weight, temperature, volume and more
- [Date Calculator](https://toolgu.com/math/date-calculator): Add or subtract days, weeks, months and years
- [Chronological Age Calculator](https://toolgu.com/math/chronological-age-calculator): Age on a test date in years, months and days
- [Days Between Dates](https://toolgu.com/math/days-between-dates): Count days, weeks and working days
- [GPA Calculator](https://toolgu.com/math/gpa-calculator): Semester and cumulative GPA, weighted for honors and AP
- [Scientific Calculator](https://toolgu.com/math/scientific-calculator): Trig, logs, powers, roots and factorials, in degrees or radians
- [TDEE & Calorie Calculator](https://toolgu.com/math/tdee-calculator): Daily calories to maintain, lose or gain weight, with macros
- [Fraction Calculator](https://toolgu.com/math/fraction-calculator): Add, subtract, multiply and divide fractions with steps
- [Graphing Calculator](https://toolgu.com/math/graphing-calculator): Plot functions, zoom and pan, find values and roots
- [Hours Calculator](https://toolgu.com/math/hours-calculator): Time between two times, adding hours and decimal hours
- [Pregnancy Due Date Calculator](https://toolgu.com/math/pregnancy-calculator): Due date, how far along you are and key dates
- [Ovulation Calculator](https://toolgu.com/math/ovulation-calculator): Fertile window, ovulation day and next period
- [Roman Numeral Converter](https://toolgu.com/math/roman-numeral-converter): Numbers to Roman numerals and back, with a chart
- [TI-84 Calculator Online](https://toolgu.com/math/ti-84-calculator): TI-84 Plus CE style graphing calculator with the same keys and menus
- [TI-30XS Calculator Online](https://toolgu.com/math/ti-30xs-calculator): TI-30XS MultiView style scientific calculator with stacked fractions
- [EZ Grader](https://toolgu.com/math/ez-grader): Score tests by number wrong, with a printable grading chart
- [Final Grade Calculator](https://toolgu.com/math/final-grade-calculator): The score you need on your final exam to get the grade you want
- [Grade Calculator](https://toolgu.com/math/grade-calculator): Weighted class grade from assignments and what you need on the rest
- [GCF Calculator](https://toolgu.com/math/gcf-calculator): Greatest common factor of two or more numbers, with steps
- [LCM Calculator](https://toolgu.com/math/lcm-calculator): Least common multiple of two or more numbers, with steps
- [Prime Number Checker](https://toolgu.com/math/prime-number-checker): Is it prime? Prime factorization, divisors and prime lists
- [Slope Calculator](https://toolgu.com/math/slope-calculator): Slope, equation and angle of a line from two points
- [Ratio Calculator](https://toolgu.com/math/ratio-calculator): Solve, simplify, share and scale ratios, including aspect ratios
- [Proportion Calculator](https://toolgu.com/math/proportion-calculator): Solve a/b = c/d for x with cross multiplication steps
- [Area Calculator](https://toolgu.com/math/area-calculator): Area of triangles, circles, trapezoids and 10 more shapes
- [Volume Calculator](https://toolgu.com/math/volume-calculator): Volume of boxes, cylinders, spheres, cones and more, in liters and gallons
- [One Rep Max Calculator](https://toolgu.com/math/one-rep-max-calculator): Estimate your 1RM from any set, with a % training chart
- [Macro Calculator](https://toolgu.com/math/macro-calculator): Daily protein, carbs and fat in grams for your goal

## Finance Calculators

Free finance calculators for big money decisions: mortgage payments, loans, interest and tax. Country versions use local rules, currencies and wording, and every result shows how it was worked out.

- [Mortgage Calculator](https://toolgu.com/finance/mortgage-calculator): Monthly payment with taxes, insurance and PMI
- [UK Mortgage Calculator](https://toolgu.com/finance/mortgage-calculator-uk): Monthly repayments, stamp duty and deposit
- [Compound Interest Calculator](https://toolgu.com/finance/compound-interest-calculator): Savings growth with deposits, APY and inflation
- [UK Compound Interest Calculator](https://toolgu.com/finance/compound-interest-calculator-uk): Savings and ISA growth with AER and inflation
- [Car Loan Calculator](https://toolgu.com/finance/car-loan-calculator): Auto loan payment with trade-in, tax and fees
- [UK Car Finance Calculator](https://toolgu.com/finance/car-finance-calculator-uk): HP and PCP monthly payments with balloon
- [Car Finance Settlement Calculator](https://toolgu.com/finance/car-finance-settlement-calculator): PCP and HP early settlement and the 50% rule
- [Balloon Payment Calculator](https://toolgu.com/finance/balloon-payment-calculator): Monthly payment with a final lump sum, or the balloon for a payment
- [Salary Calculator by Country](https://toolgu.com/finance/salary-calculators): Take-home pay calculators for 23 countries and provinces
- [Hire Purchase Calculator](https://toolgu.com/finance/hire-purchase-calculator): HP monthly payment, total cost and the 50% hand-back point
- [Student Loan Repayment Calculator](https://toolgu.com/finance/student-loan-repayment-calculator): UK Plan 1, 2, 4, 5 and Postgraduate repayments and payoff date
- [Credit Card Payoff Calculator](https://toolgu.com/finance/credit-card-payoff-calculator): Debt-free date, interest and minimum payment trap
- [UK Credit Card Repayment Calculator](https://toolgu.com/finance/credit-card-repayment-calculator-uk): How long to clear your card, and the interest
- [Loan / EMI Calculator](https://toolgu.com/finance/loan-calculator): Monthly payment, total interest and schedule
- [VAT / Sales Tax Calculator](https://toolgu.com/finance/vat-calculator): Add or remove tax at any rate
- [Retirement Calculator](https://toolgu.com/finance/retirement-calculator): How much you’ll have, the income it gives and if it lasts
- [Discount Calculator](https://toolgu.com/finance/discount-calculator): Sale price, percent off, stacked discounts and tax
- [Netherlands Salary Tax Calculator](https://toolgu.com/finance/netherlands-tax-calculator): Net monthly and yearly pay after Dutch income tax, with the 30% ruling
- [30% Ruling Calculator](https://toolgu.com/finance/30-percent-ruling-calculator): Net salary with and without the Dutch expat ruling
- [ZZP Tax Calculator](https://toolgu.com/finance/zzp-tax-calculator): Income tax and Zvw for Dutch freelancers
- [Box 3 Calculator](https://toolgu.com/finance/box-3-calculator): Dutch tax on savings and investments
- [Dutch Transfer Tax Calculator](https://toolgu.com/finance/dutch-transfer-tax-calculator): Overdrachtsbelasting on a home or other property
- [EU VAT Calculator](https://toolgu.com/finance/eu-vat-calculator): VAT rates of all 27 EU countries
- [Germany Tax Calculator](https://toolgu.com/finance/germany-tax-calculator): Brutto-netto: net salary after German tax and social insurance
- [Ireland Tax Calculator](https://toolgu.com/finance/ireland-tax-calculator): Take-home pay after income tax, USC and PRSI
- [Belgium Tax Calculator](https://toolgu.com/finance/belgium-tax-calculator): Gross to net salary for employees in Belgium
- [UK Salary Calculator](https://toolgu.com/finance/salary-calculator-uk): Take-home pay after Income Tax, National Insurance and student loan
- [Canada Salary Calculator](https://toolgu.com/finance/salary-calculator-canada): Take-home pay after federal and provincial tax, CPP and EI
- [Ontario Salary Calculator](https://toolgu.com/finance/ontario-salary-calculator): Take-home pay in Ontario after tax, CPP and EI
- [BC Salary Calculator](https://toolgu.com/finance/bc-salary-calculator): Take-home pay in British Columbia after tax, CPP and EI
- [Alberta Salary Calculator](https://toolgu.com/finance/alberta-salary-calculator): Take-home pay in Alberta after tax, CPP and EI
- [Quebec Salary Calculator](https://toolgu.com/finance/quebec-salary-calculator): Take-home pay in Quebec after tax, QPP, EI and QPIP
- [Paycheck Calculator](https://toolgu.com/finance/paycheck-calculator): US take-home pay after federal, state and FICA taxes
- [Australia Tax Calculator](https://toolgu.com/finance/australia-tax-calculator): Take-home pay after income tax, Medicare levy and HELP
- [NZ Tax Calculator](https://toolgu.com/finance/nz-tax-calculator): PAYE take-home pay after tax, ACC levy, KiwiSaver and student loan
- [Singapore Salary Calculator](https://toolgu.com/finance/singapore-salary-calculator): Take-home pay after CPF and income tax
- [Spain Salary Calculator](https://toolgu.com/finance/spain-salary-calculator): Net pay after Social Security and IRPF withholding
- [France Salary Calculator](https://toolgu.com/finance/france-salary-calculator): Brut to net salary and income tax in France
- [Japan Salary Calculator](https://toolgu.com/finance/japan-salary-calculator): Take-home pay (tedori) after social insurance and tax
- [Norway Salary Calculator](https://toolgu.com/finance/norway-salary-calculator): Net pay after tax, bracket tax and national insurance
- [Sweden Salary Calculator](https://toolgu.com/finance/sweden-salary-calculator): Net pay (nettolön) after municipal and state tax
- [Denmark Salary Calculator](https://toolgu.com/finance/denmark-salary-calculator): Net pay after AM-bidrag, municipal and state tax
- [Italy Salary Calculator](https://toolgu.com/finance/italy-salary-calculator): Netto from RAL after INPS, IRPEF and surcharges
- [Luxembourg Salary Calculator](https://toolgu.com/finance/luxembourg-salary-calculator): Net pay after social security and income tax
- [Malta Salary Calculator](https://toolgu.com/finance/malta-salary-calculator): Take-home pay after income tax and social security
- [Dutch Road Tax Calculator](https://toolgu.com/finance/dutch-road-tax-calculator): Netherlands road tax (motorrijtuigenbelasting) by weight, fuel and province
- [Dutch Licence Plate Check (Kenteken)](https://toolgu.com/finance/dutch-licence-plate-check): Look up a Dutch vehicle by licence plate: make, APK date, insurance, weights and list price from the RDW
- [APK Check (Dutch MOT Date)](https://toolgu.com/finance/apk-check): APK expiry date by licence plate, and when a car needs its first and next APK
- [Car Transfer Check (Overschrijven)](https://toolgu.com/finance/dutch-car-transfer-check): Check a Dutch car before you buy it, and how transferring it works, costs and what you need
- [Car Value Calculator (Dagwaarde)](https://toolgu.com/finance/dutch-car-value-calculator): Estimate a Dutch car’s current value from its list price and age, or straight from its licence plate
- [Latest Dutch Licence Plate (Live)](https://toolgu.com/finance/latest-dutch-licence-plate): The newest car licence plate issued in the Netherlands, live from the RDW, and when each plate series started
- [Tenaamstellingscode (Registration Code)](https://toolgu.com/finance/dutch-registration-code): Which Dutch registration code you need to sell, buy, insure or suspend a car, and what to do if it’s lost
- [BPM Calculator (Netherlands)](https://toolgu.com/finance/bpm-calculator): Dutch BPM on a new car or a used import, with the fixed depreciation table
- [Car Import Cost Calculator (NL)](https://toolgu.com/finance/car-import-cost-calculator): Total cost of importing a car from Germany, Belgium, France or Italy into the Netherlands
- [Car Import Checklist (NL)](https://toolgu.com/finance/car-import-checklist): Step-by-step checklist for importing a car into the Netherlands, from purchase to plates
- [Huurtoeslag & Zorgtoeslag Calculator](https://toolgu.com/finance/huurtoeslag-zorgtoeslag-calculator): Estimate Dutch rent allowance and healthcare allowance for 2026
- [Dutch Rent Checker (Puntentelling)](https://toolgu.com/finance/dutch-rent-checker): Rent points for a Dutch rented home and the maximum rent for 2026

## Business & Invoicing

Free invoicing tools for freelancers and small businesses: make invoices, receipts, estimates, purchase orders and credit notes as PDFs, and work out due dates, late payment interest, CIS deductions and markup. Everything runs in your browser, so client and pricing details stay on your device.

- [Invoice Generator](https://toolgu.com/business/invoice-generator): Make a professional invoice and download it as a PDF
- [UK Invoice Template](https://toolgu.com/business/invoice-template-uk): VAT and sole trader invoices that meet HMRC rules
- [Hourly Invoice Generator](https://toolgu.com/business/hourly-invoice-generator): Bill hours × rate: for freelancers, contractors and consultants
- [Estimate & Quote Maker](https://toolgu.com/business/estimate-maker): Send a professional estimate or quote as a PDF
- [Receipt Maker](https://toolgu.com/business/receipt-maker): Make a paid receipt for a sale and download it as a PDF
- [Rent Receipt Generator](https://toolgu.com/business/rent-receipt-generator): A rent receipt for tenants, with property and period
- [Donation Receipt Generator](https://toolgu.com/business/donation-receipt-generator): Donation acknowledgment letters for nonprofits
- [Pro Forma Invoice Generator](https://toolgu.com/business/proforma-invoice-generator): A pro forma invoice for advance payment or customs
- [Commercial Invoice Generator](https://toolgu.com/business/commercial-invoice-generator): Export invoice with HS codes, origin, weight and Incoterms
- [Purchase Order Generator](https://toolgu.com/business/purchase-order-generator): Send suppliers a numbered purchase order as a PDF
- [Packing Slip Generator](https://toolgu.com/business/packing-slip-generator): A packing list for orders: items and quantities, no prices
- [Credit Note Generator](https://toolgu.com/business/credit-note-generator): Refund or reduce an invoice with a numbered credit note
- [CIS Calculator](https://toolgu.com/business/cis-calculator): Construction Industry Scheme deduction and net payment
- [Late Payment Interest Calculator](https://toolgu.com/business/late-payment-interest-calculator): UK statutory interest and compensation on late invoices
- [Invoice Due Date Calculator](https://toolgu.com/business/invoice-due-date-calculator): Due dates for net 30, EOM and 2/10 net 30 terms
- [Markup Calculator](https://toolgu.com/business/markup-calculator): Markup, margin, cost and selling price from any two
- [Invoice Number Generator](https://toolgu.com/business/invoice-number-generator): Sequential invoice numbers in your own format
- [Delivery Note Template](https://toolgu.com/business/delivery-note-template): Delivery notes with a signature box for proof of delivery
- [Work Order Template](https://toolgu.com/business/work-order-template): Work orders and job sheets for repairs, maintenance and service jobs
- [Payment Reminder Letter](https://toolgu.com/business/payment-reminder-letter): Reminder emails, past-due letters and final demands for unpaid invoices
- [Letter Before Action Template](https://toolgu.com/business/letter-before-action-template): UK letter before action for an unpaid invoice, with statutory interest

## Developer Tools

Developer and device utilities that run locally in your browser: format and validate JSON, generate passwords and QR codes, encode and decode data, and test your microphone and webcam. Safe for API keys and private data.

- [Barcode Generator](https://toolgu.com/tech/barcode-generator): EAN-13, UPC-A, Code 128 and more, with labels and bulk
- [JSON Formatter](https://toolgu.com/tech/json-formatter): Pretty-print, validate and minify JSON
- [Password Generator](https://toolgu.com/tech/password-generator): Strong random passwords, locally generated
- [QR Code Generator](https://toolgu.com/tech/qr-code-generator): Links, Wi-Fi, text, email and phone to QR
- [Base64 Encode / Decode](https://toolgu.com/tech/base64): Text and files to and from Base64
- [URL Encode / Decode](https://toolgu.com/tech/url-encode): Percent-encode text and inspect URLs
- [UUID Generator](https://toolgu.com/tech/uuid-generator): v4 and v7 UUIDs in bulk
- [Hash Generator](https://toolgu.com/tech/hash-generator): MD5, SHA-1, SHA-256 and SHA-512 for text and files
- [JWT Decoder](https://toolgu.com/tech/jwt-decoder): Inspect header, payload, expiry and signature
- [Regex Tester](https://toolgu.com/tech/regex-tester): Test patterns with live match highlights
- [Unix Timestamp Converter](https://toolgu.com/tech/timestamp-converter): Epoch time to dates and back
- [Bottleneck Calculator](https://toolgu.com/tech/bottleneck-calculator): Check if your CPU or GPU holds back gaming performance
- [Binary Converter](https://toolgu.com/tech/binary-converter): Binary, decimal, hex and octal, two’s complement and text to binary
- [Mic Test](https://toolgu.com/tech/mic-test): Test your microphone with a live level meter and playback
- [Webcam Test](https://toolgu.com/tech/webcam-test): Check your camera, its resolution and frame rate

## PDF Tools

Free PDF tools that work right in your browser: merge PDFs, split pages, turn photos into a PDF and save PDF pages as images. Your files are never uploaded, so contracts, IDs and bank statements stay private.

- [Merge PDF](https://toolgu.com/pdf/merge-pdf): Combine PDF files into one, in any order
- [Edit PDF](https://toolgu.com/pdf/edit-pdf): Change existing text, add text, sign, highlight and draw
- [Sign PDF](https://toolgu.com/pdf/sign-pdf): Draw or type your signature and place it on a PDF
- [Split PDF](https://toolgu.com/pdf/split-pdf): Extract pages or split a PDF into several files
- [JPG to PDF](https://toolgu.com/pdf/jpg-to-pdf): Turn photos and images into one PDF
- [PDF to JPG](https://toolgu.com/pdf/pdf-to-jpg): Save PDF pages as JPG or PNG images

## Image Tools

Free image tools that work on your own device: convert HEIC, WebP, PNG and JPG, compress photos and resize them for any site. Your images are never uploaded.

- [Image Converter](https://toolgu.com/image/image-converter): HEIC, WebP, PNG, JPG, AVIF: convert any way
- [Image Compressor](https://toolgu.com/image/image-compressor): Shrink JPG, PNG and WebP locally
- [Image Resizer](https://toolgu.com/image/image-resizer): Resize and crop to exact pixels or social sizes
- [HEIC to JPG Converter](https://toolgu.com/image/heic-to-jpg): Convert HEIC images to JPG, in bulk
- [PNG to JPG Converter](https://toolgu.com/image/png-to-jpg): Convert PNG images to JPG, in bulk
- [WebP to JPG Converter](https://toolgu.com/image/webp-to-jpg): Convert WebP images to JPG, in bulk
- [JPG to PNG Converter](https://toolgu.com/image/jpg-to-png): Convert JPG images to PNG, in bulk
- [WebP to PNG Converter](https://toolgu.com/image/webp-to-png): Convert WebP images to PNG, in bulk
- [HEIC to PNG Converter](https://toolgu.com/image/heic-to-png): Convert HEIC images to PNG, in bulk
- [JPG to WebP Converter](https://toolgu.com/image/jpg-to-webp): Convert JPG images to WebP, in bulk
- [PNG to WebP Converter](https://toolgu.com/image/png-to-webp): Convert PNG images to WebP, in bulk
- [AVIF to JPG Converter](https://toolgu.com/image/avif-to-jpg): Convert AVIF images to JPG, in bulk
- [Reduce Image Size in KB](https://toolgu.com/image/compress-image-to-size): Compress a photo to any size: 20KB, 50KB, 100KB…
- [Compress Image to 10KB](https://toolgu.com/image/compress-image-to-10kb): Reduce photo size to 10KB or less
- [Compress Image to 20KB](https://toolgu.com/image/compress-image-to-20kb): Reduce photo size to 20KB or less
- [Compress Image to 30KB](https://toolgu.com/image/compress-image-to-30kb): Reduce photo size to 30KB or less
- [Compress Image to 50KB](https://toolgu.com/image/compress-image-to-50kb): Reduce photo size to 50KB or less
- [Compress Image to 100KB](https://toolgu.com/image/compress-image-to-100kb): Reduce photo size to 100KB or less
- [Compress Image to 200KB](https://toolgu.com/image/compress-image-to-200kb): Reduce photo size to 200KB or less
- [Compress Image to 500KB](https://toolgu.com/image/compress-image-to-500kb): Reduce photo size to 500KB or less
- [Compress Image to 1MB](https://toolgu.com/image/compress-image-to-1mb): Reduce photo size to 1MB or less

## Home & DIY Calculators

Free calculators for building and home projects: work out how much concrete, gravel or other material to order, in yards, cubic feet, cubic meters or bags, before you buy.

- [Concrete Calculator](https://toolgu.com/home/concrete-calculator): Yards, cubic feet and bags for slabs, footings, holes and steps
- [Square Footage Calculator](https://toolgu.com/home/square-footage-calculator): Area of rooms and shapes in ft², m² and yd², with cost

## Random & Decision Tools

Spin a wheel to decide yes or no, pick a random name for class or a giveaway, get a random speech topic and make fair choices. Results use your browser’s cryptographic random number generator.

- [Yes or No Wheel](https://toolgu.com/random/yes-or-no-wheel): Spin for a random yes or no, with maybe and best of 3 or 5
- [Wheel of Names](https://toolgu.com/random/wheel-of-names): Spin a wheel of your own names or options to pick one at random
- [Flip a Coin](https://toolgu.com/random/flip-a-coin): Toss a virtual coin for heads or tails, one or many at a time
- [Random Number Generator](https://toolgu.com/random/random-number-generator): Random numbers in any range, unique or with repeats
- [Dice Roller](https://toolgu.com/random/dice-roller): Roll d4 to d100, several dice, modifiers and advantage
- [Speech Topic Generator](https://toolgu.com/random/speech-topic-generator): Random impromptu, persuasive, informative and funny speech topics

## Timers & Music

Free online timers, clocks and music tools that work in any browser: a countdown timer with alarm, Pomodoro, a stopwatch with laps, a time zone converter with EST, PST and IST pages, an appointment booking link, a sleep calculator, a reaction time test, a Christmas countdown, a metronome and a guitar tuner. Full screen and nothing to install.

- [Online Timer](https://toolgu.com/time/timer): Countdown timer with alarm, presets and a Pomodoro mode
- [Stopwatch](https://toolgu.com/time/stopwatch): Online stopwatch with laps, splits and keyboard controls
- [Metronome](https://toolgu.com/time/metronome): Online metronome with tap tempo, accents and subdivisions
- [Guitar Tuner](https://toolgu.com/time/guitar-tuner): Tune guitar, bass or ukulele with your microphone
- [Time Zone Converter](https://toolgu.com/time/time-zone-converter): Convert times between cities and zones, with a meeting planner
- [Christmas Countdown](https://toolgu.com/time/christmas-countdown): Days, hours and sleeps until Christmas, full screen with snow
- [Sleep Calculator](https://toolgu.com/time/sleep-calculator): Best times to go to bed or wake up, in 90-minute sleep cycles
- [Reaction Time Test](https://toolgu.com/time/reaction-time-test): Click when it turns green: your reaction time in milliseconds
- [Appointment Booking Tool](https://toolgu.com/time/appointment-booking): A free booking link: clients pick a time and send you the request
- [30 Second Timer](https://toolgu.com/time/30-second-timer): Countdown from 30 seconds with an alarm
- [1 Minute Timer](https://toolgu.com/time/1-minute-timer): Countdown from 1 minute with an alarm
- [2 Minute Timer](https://toolgu.com/time/2-minute-timer): Countdown from 2 minutes with an alarm
- [3 Minute Timer](https://toolgu.com/time/3-minute-timer): Countdown from 3 minutes with an alarm
- [4 Minute Timer](https://toolgu.com/time/4-minute-timer): Countdown from 4 minutes with an alarm
- [5 Minute Timer](https://toolgu.com/time/5-minute-timer): Countdown from 5 minutes with an alarm
- [6 Minute Timer](https://toolgu.com/time/6-minute-timer): Countdown from 6 minutes with an alarm
- [7 Minute Timer](https://toolgu.com/time/7-minute-timer): Countdown from 7 minutes with an alarm
- [8 Minute Timer](https://toolgu.com/time/8-minute-timer): Countdown from 8 minutes with an alarm
- [10 Minute Timer](https://toolgu.com/time/10-minute-timer): Countdown from 10 minutes with an alarm
- [12 Minute Timer](https://toolgu.com/time/12-minute-timer): Countdown from 12 minutes with an alarm
- [15 Minute Timer](https://toolgu.com/time/15-minute-timer): Countdown from 15 minutes with an alarm
- [20 Minute Timer](https://toolgu.com/time/20-minute-timer): Countdown from 20 minutes with an alarm
- [25 Minute Timer](https://toolgu.com/time/25-minute-timer): Countdown from 25 minutes with an alarm
- [30 Minute Timer](https://toolgu.com/time/30-minute-timer): Countdown from 30 minutes with an alarm
- [40 Minute Timer](https://toolgu.com/time/40-minute-timer): Countdown from 40 minutes with an alarm
- [45 Minute Timer](https://toolgu.com/time/45-minute-timer): Countdown from 45 minutes with an alarm
- [50 Minute Timer](https://toolgu.com/time/50-minute-timer): Countdown from 50 minutes with an alarm
- [1 Hour Timer](https://toolgu.com/time/1-hour-timer): Countdown from 1 hour with an alarm
- [2 Hour Timer](https://toolgu.com/time/2-hour-timer): Countdown from 2 hours with an alarm
- [EST to IST Converter](https://toolgu.com/time/est-to-ist): Convert Eastern Time to India Time, with daylight saving
- [PST to EST Converter](https://toolgu.com/time/pst-to-est): Convert Pacific Time to Eastern Time, with daylight saving
- [IST to EST Converter](https://toolgu.com/time/ist-to-est): Convert India Time to Eastern Time, with daylight saving
- [CST to EST Converter](https://toolgu.com/time/cst-to-est): Convert Central Time to Eastern Time, with daylight saving
- [EST to PST Converter](https://toolgu.com/time/est-to-pst): Convert Eastern Time to Pacific Time, with daylight saving
- [EST to CST Converter](https://toolgu.com/time/est-to-cst): Convert Eastern Time to Central Time, with daylight saving
- [GMT to EST Converter](https://toolgu.com/time/gmt-to-est): Convert GMT to Eastern Time, with daylight saving
- [UTC to EST Converter](https://toolgu.com/time/utc-to-est): Convert UTC to Eastern Time, with daylight saving
- [PST to IST Converter](https://toolgu.com/time/pst-to-ist): Convert Pacific Time to India Time, with daylight saving
- [IST to PST Converter](https://toolgu.com/time/ist-to-pst): Convert India Time to Pacific Time, with daylight saving
- [CET to EST Converter](https://toolgu.com/time/cet-to-est): Convert Central European Time to Eastern Time, with daylight saving
- [IST to CST Converter](https://toolgu.com/time/ist-to-cst): Convert India Time to Central Time, with daylight saving
- [MST to EST Converter](https://toolgu.com/time/mst-to-est): Convert Mountain Time to Eastern Time, with daylight saving
- [PST to CST Converter](https://toolgu.com/time/pst-to-cst): Convert Pacific Time to Central Time, with daylight saving
- [EST to GMT Converter](https://toolgu.com/time/est-to-gmt): Convert Eastern Time to GMT, with daylight saving
- [UTC to PST Converter](https://toolgu.com/time/utc-to-pst): Convert UTC to Pacific Time, with daylight saving
- [BST to EST Converter](https://toolgu.com/time/bst-to-est): Convert UK Time to Eastern Time, with daylight saving
- [AEST to EST Converter](https://toolgu.com/time/aest-to-est): Convert Australian Eastern Time to Eastern Time, with daylight saving
- [JST to EST Converter](https://toolgu.com/time/jst-to-est): Convert Japan Time to Eastern Time, with daylight saving
- [PKT to EST Converter](https://toolgu.com/time/pkt-to-est): Convert Pakistan Time to Eastern Time, with daylight saving
- [7 Days From Today](https://toolgu.com/time/7-days-from-today): What date it will be 7 days from today
- [10 Days From Today](https://toolgu.com/time/10-days-from-today): What date it will be 10 days from today
- [14 Days From Today](https://toolgu.com/time/14-days-from-today): What date it will be 14 days from today
- [21 Days From Today](https://toolgu.com/time/21-days-from-today): What date it will be 21 days from today
- [30 Days From Today](https://toolgu.com/time/30-days-from-today): What date it will be 30 days from today
- [45 Days From Today](https://toolgu.com/time/45-days-from-today): What date it will be 45 days from today
- [60 Days From Today](https://toolgu.com/time/60-days-from-today): What date it will be 60 days from today
- [90 Days From Today](https://toolgu.com/time/90-days-from-today): What date it will be 90 days from today
- [100 Days From Today](https://toolgu.com/time/100-days-from-today): What date it will be 100 days from today
- [120 Days From Today](https://toolgu.com/time/120-days-from-today): What date it will be 120 days from today
- [180 Days From Today](https://toolgu.com/time/180-days-from-today): What date it will be 180 days from today
- [2 Weeks From Today](https://toolgu.com/time/2-weeks-from-today): What date it will be 2 weeks from today
- [3 Weeks From Today](https://toolgu.com/time/3-weeks-from-today): What date it will be 3 weeks from today
- [4 Weeks From Today](https://toolgu.com/time/4-weeks-from-today): What date it will be 4 weeks from today
- [5 Weeks From Today](https://toolgu.com/time/5-weeks-from-today): What date it will be 5 weeks from today
- [6 Weeks From Today](https://toolgu.com/time/6-weeks-from-today): What date it will be 6 weeks from today
- [7 Weeks From Today](https://toolgu.com/time/7-weeks-from-today): What date it will be 7 weeks from today
- [8 Weeks From Today](https://toolgu.com/time/8-weeks-from-today): What date it will be 8 weeks from today
- [9 Weeks From Today](https://toolgu.com/time/9-weeks-from-today): What date it will be 9 weeks from today
- [10 Weeks From Today](https://toolgu.com/time/10-weeks-from-today): What date it will be 10 weeks from today
- [12 Weeks From Today](https://toolgu.com/time/12-weeks-from-today): What date it will be 12 weeks from today
- [14 Weeks From Today](https://toolgu.com/time/14-weeks-from-today): What date it will be 14 weeks from today
- [18 Weeks From Today](https://toolgu.com/time/18-weeks-from-today): What date it will be 18 weeks from today
- [20 Weeks From Today](https://toolgu.com/time/20-weeks-from-today): What date it will be 20 weeks from today
- [40 Weeks From Today](https://toolgu.com/time/40-weeks-from-today): What date it will be 40 weeks from today
- [7 Days Ago](https://toolgu.com/time/7-days-ago): What date it was 7 days ago
- [10 Days Ago](https://toolgu.com/time/10-days-ago): What date it was 10 days ago
- [14 Days Ago](https://toolgu.com/time/14-days-ago): What date it was 14 days ago
- [21 Days Ago](https://toolgu.com/time/21-days-ago): What date it was 21 days ago
- [30 Days Ago](https://toolgu.com/time/30-days-ago): What date it was 30 days ago
- [45 Days Ago](https://toolgu.com/time/45-days-ago): What date it was 45 days ago
- [60 Days Ago](https://toolgu.com/time/60-days-ago): What date it was 60 days ago
- [90 Days Ago](https://toolgu.com/time/90-days-ago): What date it was 90 days ago
- [100 Days Ago](https://toolgu.com/time/100-days-ago): What date it was 100 days ago
- [120 Days Ago](https://toolgu.com/time/120-days-ago): What date it was 120 days ago
- [180 Days Ago](https://toolgu.com/time/180-days-ago): What date it was 180 days ago

## Design Tools

Design helpers for the web: pick colors, check contrast, build gradients and shadows, and make favicons. Everything runs in your browser.

- [Color Picker & Converter](https://toolgu.com/design/color-picker): HEX, RGB, HSL, CMYK and OKLCH
- [CSS Gradient Generator](https://toolgu.com/design/gradient-generator): Linear, radial and conic gradients with CSS
- [Contrast Checker](https://toolgu.com/design/contrast-checker): WCAG AA/AAA contrast ratios with fixes
- [Box Shadow Generator](https://toolgu.com/design/box-shadow-generator): Layered CSS shadows with live preview
- [Favicon Generator](https://toolgu.com/design/favicon-generator): favicon.ico and app icons from an image or text

## Nederlands (Dutch)

Tools met een volledig Nederlandse pagina, voor Nederland en Vlaanderen. Startpagina: https://toolgu.com/nl

- [Bruto netto berekenen](https://toolgu.com/nl/bruto-netto-berekenen): Netto salaris na loonheffing, met vakantiegeld en 30%-regeling. Bij € 60.000 bruto per jaar (inclusief vakantiegeld) hou je in 2026 ongeveer € 3.491 netto per maand over, plus € 2.201 netto vakantiegeld. Je netto salaris is je brutoloon min loonheffing (35,75% tot 49,50% per schijf) na aftrek van de algemene heffingskorting en de arbeidskorting.
- [Btw berekenen](https://toolgu.com/nl/btw-berekenen): Btw erbij of eraf: 21%, 9% of een eigen tarief. Btw erbij: bedrag × 1,21 (21%) of × 1,09 (9%). Btw eraf: bedrag inclusief btw ÷ 1,21 of ÷ 1,09; in € 121 zit dus € 21 btw.
- [Procenten berekenen](https://toolgu.com/nl/procenten-berekenen): Percentage van een getal, verandering in procenten en verschil. Een percentage van een getal is percentage ÷ 100 × getal: 15% van 240 is 36. Hoeveel procent iets is: deel ÷ geheel × 100, dus 36 van 240 is 15%.
- [Woorden tellen](https://toolgu.com/nl/woorden-tellen): Woorden, tekens, zinnen en leestijd tellen. Plak je tekst in het vak: de woordenteller telt direct woorden, tekens met en zonder spaties, zinnen en alinea’s. Je tekst blijft in je browser en wordt niet geüpload.
- [Online timer](https://toolgu.com/nl/timer): Timer met alarm, snelkeuzes en een pomodoromodus. Tik op 1, 5, 10 of 30 minuten of typ een tijd zoals 7:30, en de timer start meteen. Bij nul klinkt een alarm tot je het uitzet; met pomodoro wissel je 25 minuten werken af met 5 minuten pauze.
- [Leeftijd berekenen](https://toolgu.com/nl/leeftijd-berekenen): Exacte leeftijd in jaren, maanden en dagen. Je leeftijd is het aantal hele jaren sinds je geboortedatum, min één als je dit jaar nog niet jarig bent geweest. Vul je geboortedatum in voor je exacte leeftijd in jaren, maanden en dagen.
- [Uren berekenen](https://toolgu.com/nl/uren-berekenen): Tijd tussen twee tijdstippen, uren optellen en uren in decimalen. Trek de begintijd af van de eindtijd: van 9:00 tot 17:30 is 8 uur en 30 minuten, oftewel 8,5 uur. Ligt de eindtijd vóór de begintijd, dan telt die als de volgende dag.
- [Korting berekenen](https://toolgu.com/nl/korting-berekenen): Prijs na korting, kortingspercentage en stapelkorting. Prijs na korting = prijs × (1 − korting ÷ 100): 25% korting op € 80 is € 60, je bespaart € 20. Twee kortingen na elkaar tel je niet op: 20% plus 10% extra is samen 28%.
- [Breuken rekenmachine](https://toolgu.com/nl/breuken-rekenmachine): Breuken optellen, aftrekken, vermenigvuldigen en delen, met uitleg. Breuken optellen of aftrekken doe je door ze eerst gelijknamig te maken: 1/2 + 1/3 = 3/6 + 2/6 = 5/6. Vermenigvuldigen is teller × teller en noemer × noemer; delen is vermenigvuldigen met het omgekeerde.
- [Spreektijd berekenen](https://toolgu.com/nl/spreektijd-berekenen): Hoe lang je speech duurt, en hoeveel woorden je nodig hebt. De meeste mensen spreken 120 tot 160 woorden per minuut, bij een speech gemiddeld 130. Een speech van 5 minuten is dus ongeveer 650 woorden, en 1.000 woorden duren zo’n 7 minuten en 40 seconden.
- [Wegenbelasting berekenen](https://toolgu.com/nl/wegenbelasting-berekenen): Motorrijtuigenbelasting per kwartaal voor auto en motor, met kenteken. Een benzineauto van 1.300 kg kost in 2026 tussen € 172 (Noord-Holland) en € 188 (Zuid-Holland) per kwartaal. Je betaalt naar gewicht, brandstof en provincie; een elektrische auto betaalt 70% van het tarief.
- [Kenteken check](https://toolgu.com/nl/kenteken-check): Alle openbare RDW-gegevens van een voertuig: merk, APK, verzekering, gewicht en catalogusprijs. Met een kenteken check zie je gratis de openbare RDW-gegevens van een voertuig, zoals de APK-vervaldatum, of het verzekerd is en het oordeel over de tellerstand. Wie de eigenaar is, staat niet in het openbare register.
- [APK check](https://toolgu.com/nl/apk-check): APK-vervaldatum op kenteken en wanneer je auto voor de eerste en volgende APK moet. Een nieuwe benzine- of elektrische auto moet na 4 jaar voor het eerst voor de APK, daarna na 6 en 8 jaar en vanaf dan elk jaar. Een diesel- of gasauto gaat na 3 jaar voor het eerst en daarna elk jaar.
- [Auto overschrijven](https://toolgu.com/nl/auto-overschrijven): Check het kenteken voor je koopt, en zie wat overschrijven kost en wat je nodig hebt. Een auto overschrijven kost € 13,10 en regel je online met de DigiD-app of bij een kentekenloket of RDW-balie. De verkoper heeft de kentekencard en de complete tenaamstellingscode nodig, de koper een geldig legitimatiebewijs.
- [Dagwaarde auto berekenen](https://toolgu.com/nl/dagwaarde-auto-berekenen): Schat de dagwaarde van je auto met het kenteken, of met catalogusprijs en leeftijd. Volgens de forfaitaire tabel is een auto met een catalogusprijs van € 30.000 na 1 jaar nog ongeveer € 19.200 waard, na 5 jaar € 10.644 en na 10 jaar € 5.358. Kilometerstand, staat en vraag bepalen de echte prijs.
- [Laatst uitgegeven kenteken](https://toolgu.com/nl/laatst-uitgegeven-kenteken): Het nieuwste autokenteken live uit het RDW-register, en uit welk jaar een kentekenserie komt. Personenauto’s krijgen sinds 4 juni 2024 een kenteken uit serie 11 met de combinatie XXX-99-X. Het laatst uitgegeven kenteken zie je hier live uit het open RDW-register.
- [Tenaamstellingscode](https://toolgu.com/nl/tenaamstellingscode): Welke code je nodig hebt om te verkopen, kopen, verzekeren of schorsen, en wat te doen als hij kwijt is. De tenaamstellingscode is een code van 9 cijfers die je nodig hebt om een voertuig te verkopen, schorsen, slopen of exporteren: deel 1 staat op het tenaamstellingsverslag en deel 2 zit bij de kentekencard. Ben je hem kwijt, dan vraag je voor € 1,25 een nieuwe aan bij de RDW.
- [Bpm berekenen](https://toolgu.com/nl/bpm-berekenen): Bpm op een nieuwe auto of een gebruikte importauto, met de forfaitaire tabel. Een nieuwe benzineauto met 130 g/km CO2 betaalt in 2026 € 8.157 bpm. Op een gebruikte importauto gaat daar afschrijving af voor de leeftijd, en je mag de goedkoopste bpm-tabel gebruiken sinds twee maanden vóór de eerste toelating.
- [Kosten auto importeren](https://toolgu.com/nl/auto-importeren-kosten): Wat een auto uit Duitsland, België, Frankrijk of Italië echt kost, met bpm en RDW. Een auto importeren kost de aankoopprijs plus bpm, € 144,10 aan RDW-kosten en transport. Is de auto nieuw voor de btw (hooguit 6 maanden oud of 6.000 km), dan betaal je ook 21% Nederlandse btw.
- [Stappenplan auto importeren](https://toolgu.com/nl/auto-importeren-stappenplan): Alle stappen van aankoop tot kentekenplaten, om af te vinken. Eerst keurt of identificeert de RDW de auto, daarna doe je aangifte bpm en betaal je. Pas dan registreert de RDW het Nederlandse kenteken en kun je platen laten maken en de auto verzekeren.
- [Huurtoeslag en zorgtoeslag berekenen](https://toolgu.com/nl/huurtoeslag-zorgtoeslag-berekenen): Je huurtoeslag en zorgtoeslag voor 2026, per maand. Zorgtoeslag is in 2026 maximaal € 129 per maand (€ 246 met toeslagpartner) en stopt boven een inkomen van € 40.857. Huurtoeslag heeft sinds 2026 geen maximale huur meer: het bedrag hangt af van je kale huur, je huishouden en je inkomen.
- [Puntentelling huurwoning](https://toolgu.com/nl/puntentelling-huurwoning): WWS-punten van je huurwoning en de maximale huur voor 2026. Tot en met 143 punten is een woning sociale huur, met in 2026 een maximale kale huur van € 932,93; van 144 tot en met 186 punten is het middenhuur, met maximaal € 1.228,07. Vanaf 187 punten is het vrije sector.
- [Voorbeeldbrief maken](https://toolgu.com/nl/voorbeeldbrief-maken): Formele brieven en e-mails aan instanties, met Engelse vertaling. Kies waar je brief over gaat, vul de datums en bedragen in en je krijgt een formele brief of e-mail in het Nederlands. Elke zin is vooraf geschreven, en er staat een Engelse vertaling naast.
- [Brief uitleggen](https://toolgu.com/nl/brief-uitleg): Wat een brief van de Belastingdienst, het CJIB of de gemeente betekent. Plak de tekst van een officiële brief en je ziet wie hem stuurt, wat voor brief het is, de deadline, het bedrag en wat je kunt doen. Alles gebeurt in je browser, zonder AI.

## Deutsch (German)

Tools mit einer vollständig deutschen Seite, für Deutschland, Österreich und die Schweiz. Startseite: https://toolgu.com/de

- [Prozentrechner](https://toolgu.com/de/prozentrechner): Prozentwert, Prozentsatz, Veränderung und Unterschied. Prozentwert = Grundwert × Prozentsatz ÷ 100: 15 % von 240 sind 36. Prozentsatz = Prozentwert ÷ Grundwert × 100, also sind 36 von 240 genau 15 %.
- [MwSt-Rechner](https://toolgu.com/de/mwst-rechner): Mehrwertsteuer aufschlagen oder herausrechnen: 19 %, 7 % und mehr. MwSt. aufschlagen: Nettobetrag × 1,19 (19 %) oder × 1,07 (7 %). MwSt. herausrechnen: Bruttobetrag ÷ 1,19 oder ÷ 1,07; in 119 € brutto stecken also 19 € Mehrwertsteuer.
- [Stundenrechner](https://toolgu.com/de/stundenrechner): Zeit zwischen zwei Uhrzeiten, Stunden addieren und Industriezeit. Ziehe den Beginn vom Ende ab: Von 9:00 bis 17:30 Uhr sind es 8 Stunden 30 Minuten, also 8,5 Stunden. Liegt das Ende vor dem Beginn, zählt es als nächster Tag.
- [Tagerechner](https://toolgu.com/de/tagerechner): Tage, Wochen und Arbeitstage zwischen zwei Daten zählen. Die Tage zwischen zwei Daten sind das Enddatum minus das Startdatum, ohne das Enddatum selbst. Vom 1. Januar bis 31. Dezember 2026 sind es 364 Tage, mit Enddatum 365.
- [Wörter zählen](https://toolgu.com/de/woerter-zaehlen): Wörter, Zeichen, Sätze und Lesezeit zählen. Füge deinen Text ins Feld ein: Der Wortzähler zählt sofort Wörter, Zeichen mit und ohne Leerzeichen, Sätze und Absätze. Dein Text bleibt in deinem Browser und wird nicht hochgeladen.
- [Alter berechnen](https://toolgu.com/de/alter-berechnen): Genaues Alter in Jahren, Monaten und Tagen. Dein Alter ist die Zahl der vollen Jahre seit deinem Geburtsdatum, minus eins, wenn du dieses Jahr noch nicht Geburtstag hattest. Gib dein Geburtsdatum ein für das genaue Alter in Jahren, Monaten und Tagen.
- [Bruchrechner](https://toolgu.com/de/bruchrechner): Brüche addieren, subtrahieren, multiplizieren und dividieren, mit Rechenweg. Brüche addierst oder subtrahierst du auf einem gemeinsamen Nenner: 1/2 + 1/3 = 3/6 + 2/6 = 5/6. Beim Multiplizieren rechnest du Zähler mal Zähler und Nenner mal Nenner; beim Dividieren nimmst du den Kehrwert.
- [Rabattrechner](https://toolgu.com/de/rabatt-rechner): Preis nach Rabatt, Rabatt in Prozent und Doppelrabatt. Preis nach Rabatt = Preis × (1 − Rabatt ÷ 100): 25 % Rabatt auf 80 € ergeben 60 €, du sparst 20 €. Zwei Rabatte nacheinander addieren sich nicht: 20 % plus 10 % extra sind zusammen 28 %.
- [Online-Timer](https://toolgu.com/de/timer): Countdown-Timer mit Alarm, Schnellwahl und Pomodoro-Modus. Tippe auf 1, 5, 10 oder 30 Minuten oder gib eine Zeit wie 7:30 ein, und der Timer startet sofort. Bei null ertönt ein Alarm, bis du ihn ausschaltest; im Pomodoro-Modus wechseln 25 Minuten Arbeit und 5 Minuten Pause.
- [Redezeit berechnen](https://toolgu.com/de/redezeit-berechnen): Wie lange deine Rede dauert und wie viele Wörter du brauchst. Auf Deutsch spricht man bei Reden etwa 100 bis 130 Wörter pro Minute, im Schnitt rund 120. Eine 5-Minuten-Rede hat also etwa 600 Wörter, und 1.000 Wörter dauern rund 8 Minuten 20 Sekunden.

## Русский (Russian)

Калькуляторы на русском языке для тех, кто живёт и работает в Нидерландах. Главная страница: https://toolgu.com/ru

- [Калькулятор налогов Нидерландов](https://toolgu.com/ru/kalkulyator-nalogov-niderlandy): Зарплата нетто после налогов в Нидерландах, с отпускными и правилом 30%. В 2026 году доход до €38 883 облагается по ставке 35,75%, до €78 426 по ставке 37,56%, а выше по ставке 49,50%, после чего налог уменьшают налоговые скидки. При зарплате €60 000 в год (с отпускными) на руки остаётся около €44 094.

## Guides

- [PCP vs HP: which car finance is cheaper?](https://toolgu.com/guides/pcp-vs-hp): PCP vs hire purchase compared with real numbers: monthly cost, total interest, who owns the car, mileage limits and handing it back. UK guide with a calculator.
- [How to pay off car finance early](https://toolgu.com/guides/pay-off-car-finance-early): How to settle PCP or HP car finance early in the UK: your settlement figure, how much you save, early repayment charges and the 50% rule for handing it back.
- [APR in the UK vs the US: why the same rate gives a different payment](https://toolgu.com/guides/apr-uk-vs-us): UK and US APRs are calculated differently, so the same rate gives different monthly payments. How each works, with worked examples for loans and credit cards.
- [How to write an invoice (and what it must include)](https://toolgu.com/guides/how-to-write-an-invoice): What an invoice must include in the UK, US and EU: number, dates, both parties, VAT details and payment terms, and which document to use for quotes and refunds.
- [How to chase an unpaid invoice in the UK](https://toolgu.com/guides/chase-unpaid-invoice-uk): Chase a late invoice step by step: reminder, final demand, statutory interest and compensation, then a letter before action. UK rules, with free templates.
- [JPG vs PNG vs WebP vs HEIC vs AVIF: which image format to use](https://toolgu.com/guides/image-formats-explained): Which image format to use: JPG for photos, PNG for graphics and transparency, WebP and AVIF for smaller web images, HEIC on iPhone, and how to convert.
- [How to reduce an image’s file size](https://toolgu.com/guides/reduce-image-file-size): Make a photo smaller in KB or MB for forms, email and websites: resize it, lower the JPG quality or switch format. How much each step saves, with free tools.
- [EST, PST, GMT, IST: time zone abbreviations explained](https://toolgu.com/guides/time-zone-abbreviations): What EST, EDT, CST, PST, GMT, BST, CET, IST and JST mean, their UTC offsets, when daylight saving changes them, and how to convert US, UK and India time.
- [The Pomodoro technique: how to focus with a timer](https://toolgu.com/guides/pomodoro-technique): How the Pomodoro technique works: 25 minutes of focus, 5-minute breaks and a longer break after four rounds. How to start, adjust the lengths and pick a timer.
- [Gross to net: how take-home pay is worked out](https://toolgu.com/guides/take-home-pay-explained): How gross salary becomes take-home pay: tax bands, allowances, social security and other deductions, with what is taken off in the UK, US, Canada and Europe.
- [Moving to the Netherlands: a money checklist](https://toolgu.com/guides/moving-to-the-netherlands-money): Money checklist for moving to the Netherlands: BSN, net salary and the 30% ruling, allowances, rent points, Box 3 tax on savings and importing your car.
- [How long is a speech? Words per minute explained](https://toolgu.com/guides/speech-length-words-per-minute): How many words fit in a 1, 3, 5 or 10-minute speech: speaking rates explained, a words-to-minutes table and tips for timing a talk, presentation or video.
- [How to calculate hours worked](https://toolgu.com/guides/calculate-hours-worked): Work out hours worked from start and finish times: take off unpaid breaks, convert minutes to decimal hours for payroll, and handle overnight shifts.
- [GCF and LCM: how to find them, with examples](https://toolgu.com/guides/gcf-and-lcm): How to find the greatest common factor and least common multiple: listing factors, prime factorization and Euclid’s algorithm, with worked examples.
- [How to pay off credit card debt faster](https://toolgu.com/guides/pay-off-credit-card-debt): Pay off credit card debt faster: why minimum payments take years, the avalanche and snowball methods, balance transfers and what paying more saves. UK and US.

## About

- [About Toolgu](https://toolgu.com/about)
- [Privacy policy](https://toolgu.com/privacy)
- [Affiliate disclosure](https://toolgu.com/affiliate-disclosure)
- [Contact](https://toolgu.com/contact)