Numbers & Time
Convert currency amounts and time formats instantly.
Amount to Words Converter
Convert amounts to words for cheques, invoices, and legal documents. Supports USD, INR, EUR, GBP with Lakhs and Crores.
Time Format Converter
Convert between 24-hour and 12-hour time formats instantly. Supports bulk conversion and military time.
EMI Calculator with Prepayment
Calculate home loan, car loan, or personal loan EMI with full repayment schedule. Add part payments to see interest saved and tenure reduced. 100% browser-based.
Mortgage Calculator with PITI & Amortization
Estimate your monthly mortgage payment with a full PITI breakdown — principal, interest, property tax, insurance, PMI, and HOA. See total interest, payoff date, an amortization schedule, and how extra principal payments save. 100% browser-based.
GST Calculator (India)
Calculate GST instantly — add GST or extract GST from inclusive amounts. Supports the GST 2.0 slabs (0%, 5%, 18%, 40%) with CGST/SGST/IGST split. Free and Indian-business friendly.
Income Tax Calculator FY 2025-26
Calculate income tax for FY 2025-26 (AY 2026-27). Compare old vs new tax regime instantly. Includes standard deduction, 80C, HRA, and all major deductions for salaried Indians.
Compound Interest Calculator
Calculate compound interest and investment growth with optional monthly or annual contributions, any compounding frequency, and multiple currencies. See final balance, total interest, and a year-by-year table.
Loan Calculator
Calculate the monthly payment, total interest, total cost, and full amortization schedule for any personal or auto loan. See how an extra monthly payment cuts interest and payoff time. Multi-currency (USD, GBP, EUR, CAD, AUD, INR).
Loan Comparison Calculator
Compare up to 3 loan offers side by side. See the monthly payment, total interest, fees, and true cost to borrow for each, and instantly spot the cheapest. Multi-currency (USD, GBP, EUR, CAD, AUD, INR).
Age Calculator
Calculate exact age in years, months, and days from any date. See total months, weeks, days, hours, and minutes lived. Perfect for documents, birthdays, and milestones.
Date Difference Calculator
Calculate days, weeks, months, and years between two dates. Add or subtract days from a date. Perfect for project planning, deadlines, and event countdowns.
BMI Calculator
Calculate your Body Mass Index instantly. Supports metric (kg/cm) and imperial (lbs/ft) units. See BMI category, healthy weight range, and ideal weight for your height.
Why Use Numbers & Time Tools?
Numbers and time conversion tools solve specific, practical problems that everyone encounters in business and daily life. Writing cheques requires converting amounts into words. Reading international schedules requires converting between 24-hour and 12-hour time formats. Preparing invoices and contracts requires amounts in both numerals and words for legal clarity. These are not glamorous tasks, but doing them manually is tedious and error-prone.
Our Numbers & Time tools eliminate the manual work. The Amount to Words Converter supports USD, INR, EUR, and GBP with proper grammar and cheque-ready formatting. It handles both Western numbering (thousands, millions, billions) and Indian numbering (lakhs and crores), making it one of the few tools that truly supports global business needs. The Time Format Converter handles the 24-hour and 12-hour conversions that travelers, developers, schedulers, and international teams face every day.
Both tools run entirely in your browser with zero server interaction. When you type an amount or a time, the conversion is instant. You can copy the results with a single click and paste them directly into your cheque, invoice, contract, or calendar. The tools respect your privacy and are completely free to use — no signup and no artificial limits.
Who Are These Tools For?
These tools serve a broader audience than our developer-focused utilities. Accountants and bookkeepers use Amount to Words daily for cheques and invoices. Small business owners need it for writing payment documents and legal agreements. Lawyers use it to prepare contracts where amounts must be written in words to prevent disputes. In India and South Asia, anyone dealing with lakhs and crores needs a tool that understands the Indian numbering system correctly. Time Converter helps remote workers, travelers, event schedulers, and developers working with timestamps and logs.
Frequently Asked Questions
Does the Amount to Words tool support Indian Rupees with Lakhs and Crores?
Yes. When you select INR, the tool uses the Indian numbering system with Lakhs (100,000) and Crores (10,000,000) instead of the Western thousand/million/billion format. For example, ₹12,34,567 becomes 'Twelve Lakh Thirty Four Thousand Five Hundred Sixty Seven Rupees Only'.
Can I use the amount in words output directly on a cheque?
Yes. The tool provides a special cheque-format output that includes the fraction notation (e.g., 50/100) commonly required on bank cheques. Simply copy and paste it into the words line of your cheque.
What is the difference between 24-hour and 12-hour time formats?
The 24-hour format (also called military time) uses hours from 00 to 23, while the 12-hour format uses hours from 1 to 12 with AM/PM designators. For example, 14:30 in 24-hour format is 2:30 PM in 12-hour format.
Are these tools free and private?
Yes, both tools are completely free with no signup required, and all processing happens in your browser. No amount or time data is ever sent to any server.