ToolPluse Pay, Allowances & Currency — Tracked in Real Time
VOL. I · FY 2026–27
UPDATES
Updated FYP-2026-27 Verified
— Free Online Tools —

100+ Free Online Calculators
& Business Tools

Professional calculators, finance tools, document utilities, business generators, AI tools, and everyday productivity resources — all free, fast, and browser-based.

100+ Free Tools No Signup Required Works on Mobile & Desktop Instant Results
No. 02 of 2026

Pay & finance tools

Each does one job well — pick the one that matches what you're trying to work out.

TOOL 01

Salary Calculator

Compute your revised pay under Pakistan's BPS scale, India's 7th CPC matrix, or a fully custom structure for any country.

OPEN CALCULATOR →
TOOL 02

Income Tax Calculator

Pakistan, India, the USA, UK, Germany, and Gulf states' no-tax regime — plus a custom builder for any other country.

OPEN CALCULATOR →
TOOL 03

Loan / EMI Calculator

See your monthly installment, total interest, and total repayment for any loan amount, rate, and tenure.

OPEN CALCULATOR →
TOOL 04

Provident Fund / Gratuity

Project your EPF balance at India's current 8.25% rate and Gratuity Act formula, or build a custom calculation.

OPEN CALCULATOR →
TOOL 05

Currency Converter

Convert AED, SAR, QAR and other Gulf currencies to PKR, INR and more, using live interbank exchange rates.

OPEN CONVERTER →
TOOL 06

Salary Increase %

Enter your old and new salary to see the real percentage raise — with an optional live currency conversion.

OPEN CALCULATOR →
TOOL 07

Public Holidays

Look up public holidays for any supported country and year, fetched live, for planning leave ahead of time.

VIEW CALENDAR →
TOOL 08

Compare Countries

A side-by-side ledger of how Pakistan, India, Bangladesh, the UK, US and Gulf states handle the annual raise.

VIEW LEDGER →
TOOL 09

Profit Margin Calculator

Calculate profit, margin percentage, and markup on cost instantly from selling price and cost price.

OPEN CALCULATOR →
TOOL 10

ROI Calculator

Return on investment, net gain, and annualised return for any investment amount and duration.

OPEN CALCULATOR →
TOOL 11

GST / VAT Calculator

Add tax to a price, or extract the pre-tax amount from a tax-inclusive price. Any rate.

OPEN CALCULATOR →
TOOL 12

Break-Even Calculator

Find your break-even units and revenue, and how many units you need to hit your profit target.

OPEN CALCULATOR →
TOOL 13

Compound Interest

How your money grows with compound interest — monthly, quarterly, or annually compounded.

OPEN CALCULATOR →
TOOL 14

Savings Goal Calculator

How long to reach your savings goal with monthly contributions and expected return rate.

OPEN CALCULATOR →
TOOL 15

Retirement Calculator

Project your retirement corpus, monthly income from savings, and shortfall vs expected expenses.

OPEN CALCULATOR →
No. 03 of 2026

Everyday tools

Quick, free utilities for the things almost everyone needs sometimes — no sign-up, nothing stored.

TOOL 09

Age Calculator

Your exact age in years, months, and days, plus a countdown to your next birthday.

OPEN CALCULATOR →
TOOL 10

BMI Calculator

Body Mass Index from your height and weight, in metric or imperial units, with the standard WHO categories.

OPEN CALCULATOR →
TOOL 11

Percentage Calculator

X% of Y, what percent X is of Y, or the percentage change between two numbers.

OPEN CALCULATOR →
TOOL 12

Unit Converter

Length, weight, area, and temperature — pick a category and convert instantly.

OPEN CONVERTER →
TOOL 13

Password Generator

Strong, random passwords using your browser's cryptographically secure random number generator.

GENERATE PASSWORD →
TOOL 14

QR Code Generator

For a link, a WhatsApp number, or your WiFi password — generated instantly and free to download.

GENERATE QR CODE →
TOOL 15

Barcode Generator

Generate EAN-13, Code 128, UPC-A and other barcode formats — download as PNG for printing.

GENERATE →
No. 04 of 2026

Document tools

Work with images, PDFs, Word, and PowerPoint files — entirely in your browser, nothing uploaded anywhere.

TOOL 15

Image Compressor

Shrink a JPEG, PNG, or WebP file's size while keeping it on your device the whole time.

COMPRESS IMAGE →
TOOL 16

Merge PDF

Combine multiple PDF files into one, in the order you choose.

MERGE PDFs →
TOOL 17

Split PDF

Extract specific pages or page ranges from a PDF into a new file.

SPLIT PDF →
TOOL 18

Compress PDF

Reduce a PDF's file size by optimizing its internal structure.

COMPRESS PDF →
TOOL 19

PDF to Word

Extract a PDF's text into an editable .docx file.

CONVERT TO WORD →
TOOL 20

Word to PDF

Convert a .docx file's text and structure into a PDF.

CONVERT TO PDF →
TOOL 21

PDF to PPT

Turn each PDF page into a PowerPoint slide image.

CONVERT TO PPTX →
TOOL 22

PPT to PDF

Extract a PowerPoint's slide text into a PDF, one page per slide.

CONVERT TO PDF →
TOOL 23

PDF to JPG

Convert each page of a PDF into a high-quality JPG image — free, in your browser.

CONVERT →
TOOL 24

JPG to PDF

Combine one or more JPG or PNG images into a single PDF file instantly.

CONVERT →
TOOL 25

PDF Page Numbers

Add page numbers to every page of your PDF — choose position, size, and starting number.

ADD NUMBERS →
TOOL 26

PDF Watermark

Add a custom diagonal text watermark to every page of your PDF — opacity and color adjustable.

ADD WATERMARK →
TOOL 27

eSign PDF

Draw your signature and place it on your PDF — entirely in your browser, no upload.

SIGN PDF →
TOOL 28

PDF Protect

Add a visible restriction notice and watermark to a PDF to mark it as confidential.

PROTECT PDF →
TOOL 29

PDF Unlock

Remove owner restrictions from a PDF — print, copy, and edit locks cleared instantly.

UNLOCK PDF →
TOOL 30

Document Scanner

Scan any card or document with your camera — auto corner detection, perspective correction, save as JPG/PDF.

SCAN NOW →
No. 05 of 2026

Business tools

Invoices, receipts, and business generators — everything a freelancer or small business needs.

TOOL 31

Invoice Generator

Professional invoices with company stamp, tax, discount, due date — download as PDF or share on WhatsApp.

CREATE INVOICE →
TOOL 32

Receipt Generator

Professional receipts with company stamp, PAID/UNPAID status — download as JPG or share on WhatsApp.

CREATE RECEIPT →
TOOL 33

Invoice Number Generator

Generate sequential invoice numbers with custom prefix, format, and starting number in bulk.

GENERATE →
TOOL 34

Business Name Generator

AI-powered — get 10 creative business names with domain suggestions for your startup or shop.

GENERATE NAMES →
No. 06 of 2026

AI tools

Powered by Groq — generate professional documents and content in seconds, free.

TOOL 35

AI Resume Builder

Describe your experience and skills — AI generates a polished, ATS-friendly resume instantly.

BUILD RESUME →
TOOL 36

Cover Letter Generator

Fill in your details — AI writes a compelling, job-ready cover letter in seconds.

GENERATE →
No. 07 of 2026

SEO & creator tools

YouTube creators and content marketers — tags, titles, descriptions, thumbnails, and hashtags.

TOOL 37

YouTube Thumbnail Downloader

Download any YouTube video thumbnail in HD, Full HD, and SD quality — just paste the URL.

DOWNLOAD →
TOOL 38

YouTube Tags Generator

AI-powered — get 30 high-traffic, searchable YouTube tags for any video topic instantly.

GENERATE TAGS →
TOOL 39

YouTube Title Generator

AI generates 10 high-CTR, SEO-optimized video titles for any topic or niche.

GENERATE TITLES →
TOOL 40

YouTube Description Generator

Full SEO-optimized description with timestamps, call-to-action, and hashtags — AI-written.

GENERATE →
TOOL 41

Hashtag Generator

30 relevant hashtags for Instagram, TikTok, or Twitter — AI picks the best mix for your post.

GENERATE →
No. 05 of 2026

Islamic tools

Prayer times, direction, dates, and Zakat — calculated live for your location.

TOOL 23

Prayer Times

Today's Fajr, Dhuhr, Asr, Maghrib, and Isha times, by your location or any city.

VIEW TIMES →
TOOL 24

Qibla Finder

The compass bearing to the Kaaba from your current location.

FIND QIBLA →
TOOL 25

Zakat Calculator

2.5% of your zakatable wealth above the nisab threshold, gold or silver standard.

CALCULATE ZAKAT →
TOOL 26

Ramadan Calendar

The Gregorian dates for Ramadan in any Hijri year.

VIEW CALENDAR →
TOOL 27

Islamic Date Converter

Convert any date between the Gregorian and Hijri calendars.

CONVERT DATE →
No. 06 of 2026

Academic tools

CGPA, percentage, and GPA conversions — with adjustable formulas, since every institution does it slightly differently.

TOOL 28

CGPA Converter

CGPA to percentage and back, for 10-point, 5-point, or 4-point scales — with an editable multiplier.

CONVERT CGPA →
TOOL 29

GPA Calculator

Your semester GPA, credit-weighted automatically from each course's grade points and credit hours.

CALCULATE GPA →
No. 07 of 2026

Shopping tools

The everyday math of buying things — discounts and splitting the bill.

TOOL 30

Discount Calculator

The final price after a discount, or the exact percentage off between two prices.

CALCULATE DISCOUNT →
TOOL 31

Tip Calculator

The tip amount, total bill, and an even split between any number of people.

CALCULATE TIP →
No. 08 of 2026

Latest circulars

Summarised in plain language — read the original notification before acting on any figure here.

  1. CIRC. 001

    Pakistan: Budget 2026-27 sets a flat 7% Adhoc Relief Allowance

    Finance Division, budget speech · 12 June 2026 · effective 1 July 2026

    The federal budget applies a flat 7% Adhoc Relief Allowance on running basic pay across BPS-1 to BPS-22, with a matching 7% pension increase. The ARA-2022 (15%) and ARA-2025 (10%) allowances are folded into a new basic pay structure, raising the pensionable base without changing this year's take-home by the same proportion. The minimum wage rises about 10% to Rs 40,700 a month.

    Read the full explainer →
  2. CIRC. 002

    Pakistan: New Basic Pay Scale 2026 still pending formal notification

    Unofficial pay-scale charts in circulation · June 2026

    Several pay-scale charts describing the merged 2026 basic pay structure are circulating ahead of the Finance Division's official notification. Treat the merger arithmetic as provisional until the formal SRO is issued.

  3. CIRC. 003

    India: Dearness Allowance raised to 60% of basic pay

    Department of Expenditure, Office Memorandum · 22 April 2026 · effective 1 January 2026

    Central government Dearness Allowance rises from 58% to 60% of basic pay, with arrears from January 2026, benefiting roughly 50 lakh employees and 68 lakh pensioners under the standard biannual AICPI-linked revision.

    Read the full explainer →
  4. CIRC. 004

    India: 8th Pay Commission constituted, structural revision ahead

    Late 2025

    The 8th Central Pay Commission has been formally constituted and is expected to recommend a broader revision of the pay matrix, fitment factor, and allowance structure in the coming pay cycle.

    Read the full explainer →

VIEW ALL POSTS →