GGenApps

Free online tools that run entirely in your browser

Calculators, image tools, PDF tools and generators — no sign-up, no file uploads to a server, no watermarks. Your files never leave your device.

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33 working tools 100% client-side processing 0 files uploaded Free — no sign-up, ever

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Why people use GenApps

Most tool websites upload your files to their servers, queue them, and sometimes keep copies. GenApps is built differently: every tool runs with JavaScript directly in your browser. Your passport photo, your PDF and your invoice data never leave your device — which is why the tools are instant, work on slow connections, and stay free.

The collection focuses on jobs people actually search for: compressing a photo to the exact kilobyte limit an application form demands (FPSC and PPSC want ≤30 KB, NADRA ≤50 KB), making a correctly sized passport photo at home, working out a loan EMI before visiting a bank, generating a GST-ready invoice, or checking a typing speed before a government job test.

Frequently asked questions

Are these tools really free?
Yes — every tool is free with no sign-up, no watermark and no daily limit. The site is supported by advertising, which is why we can keep file processing free.
Are my files uploaded anywhere?
No. Image compression, PDF merging, photo making and everything else happens locally in your browser. You can even disconnect from the internet after the page loads and the tools still work.
How accurate are the calculators?
They use the standard published formulas (reducing-balance EMI, compound interest, Naegele’s rule for due dates, Mifflin–St Jeor for calories) and show results to two decimals. They are planning estimates — for loans, taxes and health decisions, confirm final figures with your bank, tax authority or doctor.
Can I use these tools on my phone?
Yes. Every tool is mobile-first and works in any modern phone browser — useful when a form deadline hits and you only have your phone.

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Mortgage Calculator — free online

Monthly house payment with down payment, tax and insurance included. This Mortgage Calculator is completely free on GenApps: no sign-up, no watermark and no usage limit, and it runs 100% in your browser, so anything you enter stays on your device.

Open the Mortgage Calculator ↑ · Browse all 33 free tools · All tools list

How to use the mortgage calculator

  1. Enter your numbers in the fields above — use the exact figures from your loan, investment or bill for the most useful result.
  2. Press Calculate (most GenApps calculators also update as you type).
  3. Read the headline result together with the breakdown below it — totals, interest and schedules are shown, not just one number.
  4. Change any input and calculate again to compare scenarios side by side.

About this tool

A mortgage payment has up to four parts: principal & interest on the loan, property tax, and home insurance. This calculator uses the standard amortisation formula on the loan amount (home price minus down payment), then adds your yearly tax and insurance divided by 12.

A bigger down payment cuts both your monthly payment and the total interest over the loan's life — use the sliders to see exactly how much.

Frequently asked questions

What is included in the monthly payment?
Principal and interest on the loan, plus 1/12 of your yearly property tax and home insurance if you enter them.
How much down payment should I make?
20% avoids private mortgage insurance in the US and reduces interest everywhere. Even 5% extra down payment can save a large amount over 20–30 years.
Are results exact?
They are standard-formula estimates. Taxes, insurance premiums and bank fees vary by location and lender.

Private by design

GenApps tools process everything locally in your web browser using JavaScript. Your files, photos and text are never uploaded to a server — close the tab and everything is gone. The only data our optional server features store is what you explicitly send us (a contact message, a tool rating or a newsletter email).

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