# NoFluff — Free UK Tools

> 73 free, browser-based tools for everyday UK life. No registration, no ads, no paywalls, no data collection. Every tool runs entirely in the browser — nothing is ever uploaded or stored.

NoFluff is a collection of free utility tools built for UK users. Tools cover personal finance, image editing, unit conversion, health & wellbeing, developer utilities, everyday maths, and colour tools. All tools are free forever and require no account or login.

## Financials

- [Mortgage Calculator](https://nofluffhq.com/mortgage-calculator): Calculate UK mortgage monthly repayments with a full amortisation schedule. Model the impact of monthly, annual, and one-off overpayments. Shows total interest and time saved.
- [Loan Calculator](https://nofluffhq.com/loan-calculator): Calculate monthly repayments and total interest for any UK personal loan given principal, interest rate, and term.
- [Mortgage vs Rent](https://nofluffhq.com/mortgage-vs-rent): Compare the true monthly cost of buying versus renting in the UK, accounting for deposit opportunity cost, maintenance, and stamp duty.
- [Debt Payoff Calculator](https://nofluffhq.com/debt-payoff): See exactly when you will be debt-free using avalanche or snowball method, and how much interest you will save by overpaying.
- [Compound Interest / Savings Calculator](https://nofluffhq.com/savings-calculator): Visualise how savings and investments grow over time with regular contributions and compounding.
- [Budget Planner](https://nofluffhq.com/budget-planner): Track monthly income and expenses to understand your true savings rate and find areas to cut back.
- [Affordability Calculator](https://nofluffhq.com/affordability): Find out how much house you can realistically afford to buy in the UK based on income, deposit, and outgoings.
- [Pension Pot Calculator](https://nofluffhq.com/pension-pot): Project your pension pot at retirement based on current savings, monthly contributions, and expected growth rate.
- [Retirement Income Calculator](https://nofluffhq.com/retirement-income): Calculate exactly how much pension pot you need to fund your target annual retirement income, accounting for state pension and drawdown rate.
- [Company Car vs Personal](https://nofluffhq.com/company-car): Helps UK company directors and shareholders compare the true after-tax cost of buying a car through their company versus personally.
- [Redundancy Pay Calculator](https://nofluffhq.com/redundancy-calculator): Calculate UK statutory redundancy pay entitlement based on age, years of service (capped at 20), and weekly pay (capped at £643 for 2024/25). Shows tax-free status versus the £30,000 limit.
- [Maternity & Paternity Pay Calculator](https://nofluffhq.com/maternity-pay-calculator): Calculate Statutory Maternity Pay (SMP) — 90% of weekly pay for 6 weeks, then £184.03/week for 33 weeks — or Statutory Paternity Pay (SPP) for 2 weeks. Uses 2024/25 rates.
- [Council Tax Calculator](https://nofluffhq.com/council-tax-calculator): Estimate UK council tax by band A through H using 2024/25 England average figures. Applies 25% single-occupant discount or full exemption as appropriate.
- [Tax Code Explainer](https://nofluffhq.com/tax-code-explainer): Enter any UK tax code (e.g. 1257L, BR, D0, K497, NT) to see exactly what it means, the resulting personal allowance, and whether it may be incorrect or an emergency code.

## Media Utilities

- [Image Resizer](https://nofluffhq.com/image-resizer): Resize images to exact pixel dimensions or by percentage. Lock aspect ratio, choose output format (JPEG, PNG, WebP). Runs entirely in the browser.
- [Image Compressor](https://nofluffhq.com/image-compressor): Reduce image file size with a quality slider. Supports JPEG, WebP, and PNG output.
- [Image Format Converter](https://nofluffhq.com/image-converter): Convert images between JPEG, PNG, and WebP instantly in the browser.
- [Image Cropper](https://nofluffhq.com/image-cropper): Drag-and-drop crop with preset aspect ratios: 1:1, 16:9, 4:3, A4, and free-form.
- [Favicon Generator](https://nofluffhq.com/favicon-generator): Generate all standard favicon sizes (16px to 512px) from a single source image, exported as a ZIP.
- [SVG to PNG](https://nofluffhq.com/svg-to-png): Render SVG files or pasted SVG code to PNG at any resolution.
- [QR Code Generator](https://nofluffhq.com/qr-generator): Generate QR codes for URLs, plain text, email, phone numbers, or Wi-Fi credentials.
- [QR Code Reader](https://nofluffhq.com/qr-reader): Upload any image to decode and read a QR code. Entirely in-browser.
- [EXIF Data Viewer](https://nofluffhq.com/exif-viewer): Reveal hidden EXIF metadata in photos including camera model, GPS location, exposure settings, and lens data.
- [Colour Palette Extractor](https://nofluffhq.com/colour-palette): Extract the dominant colours from any image using k-means clustering.
- [Watermark Adder](https://nofluffhq.com/image-watermark): Add a text watermark to any image. Control position, font size, colour, and opacity.
- [CSV to JSON Converter](https://nofluffhq.com/csv-json): Convert CSV to JSON or JSON to CSV by pasting or uploading. Two-way conversion.
- [JSON Formatter](https://nofluffhq.com/json-formatter): Prettify, minify, and validate JSON. Shows inline errors.
- [Word & Character Counter](https://nofluffhq.com/word-counter): Count words, characters (with and without spaces), sentences, paragraphs, and estimated reading time.

## Measurements & Unit Converters

- [Length & Distance Converter](https://nofluffhq.com/length-converter): Convert between mm, cm, m, km, inches, feet, yards, miles, nautical miles, and more.
- [Weight & Mass Converter](https://nofluffhq.com/weight-converter): Convert between mg, g, kg, metric tonnes, ounces, pounds, and stone.
- [Temperature Converter](https://nofluffhq.com/temperature-converter): Convert between Celsius, Fahrenheit, Kelvin, and Rankine.
- [Area Converter](https://nofluffhq.com/area-converter): Convert between square metres, square kilometres, hectares, acres, square feet, square yards, and square miles.
- [Volume & Capacity Converter](https://nofluffhq.com/volume-converter): Convert metric and imperial volumes including UK vs US pints and gallons.
- [Speed Converter](https://nofluffhq.com/speed-converter): Convert between m/s, km/h, mph, knots, Mach, and the speed of light.
- [Data Storage Converter](https://nofluffhq.com/data-storage-converter): Convert between bits, bytes, KB, MB, GB, TB, and PB using both decimal (SI) and binary (IEC) standards.
- [Time Converter](https://nofluffhq.com/time-converter): Convert between nanoseconds, microseconds, milliseconds, seconds, minutes, hours, days, weeks, months, years, decades, and centuries.
- [Pressure Converter](https://nofluffhq.com/pressure-converter): Convert between Pa, kPa, MPa, bar, PSI, atm, mmHg, and inHg.
- [Energy Converter](https://nofluffhq.com/energy-converter): Convert between joules, kilojoules, kWh, calories, kilocalories, BTU, and therms.
- [Fuel Efficiency Converter](https://nofluffhq.com/fuel-converter): Convert between MPG (UK), MPG (US), L/100km, and km/L.
- [Clothing Size Converter](https://nofluffhq.com/clothing-sizes): Convert clothing sizes between UK, EU, US, Italian, and French sizing for both women's and men's clothing.
- [Shoe Size Converter](https://nofluffhq.com/shoe-sizes): Convert shoe sizes between UK, EU, US men's, US women's, and Japanese sizing.
- [Ring Size Converter](https://nofluffhq.com/ring-size-converter): Convert ring sizes between UK letter sizing, US numeric sizing, EU/French sizing, and millimetre circumference.
- [Tyre Size Calculator](https://nofluffhq.com/tyre-calculator): Enter a standard tyre marking (e.g. 205/55R16) to get outer diameter, sidewall height, and circumference.

## Text & Developer Tools

- [Password Generator](https://nofluffhq.com/password-generator): Generate strong random passwords locally in the browser. Choose length, uppercase, lowercase, numbers, and symbols.
- [UUID / GUID Generator](https://nofluffhq.com/uuid-generator): Generate cryptographically random UUID v4 identifiers. Bulk generate up to 20 at once.
- [Base64 Encoder / Decoder](https://nofluffhq.com/base64): Encode plain text to Base64 or decode Base64 back to text. Runs entirely in the browser.
- [URL Encoder / Decoder](https://nofluffhq.com/url-encoder): Encode special characters for safe URL use (percent-encoding) or decode them back.
- [Hash Generator](https://nofluffhq.com/hash-generator): Generate SHA-1, SHA-256, SHA-384, and SHA-512 hashes using the Web Crypto API.
- [Case Converter](https://nofluffhq.com/case-converter): Convert text between UPPERCASE, lowercase, Title Case, Sentence case, camelCase, PascalCase, snake_case, and kebab-case.
- [Lorem Ipsum Generator](https://nofluffhq.com/lorem-ipsum): Generate Lorem Ipsum placeholder text by paragraph, sentence, or word count.
- [Regex Tester](https://nofluffhq.com/regex-tester): Test JavaScript regular expressions live with highlighted matches, flags control, and capture group details.
- [Number Base Converter](https://nofluffhq.com/number-base-converter): Convert integers between decimal (base 10), binary (base 2), octal (base 8), and hexadecimal (base 16).
- [Unix Timestamp Converter](https://nofluffhq.com/timestamp-converter): Convert Unix epoch timestamps to human-readable dates and times, or convert a date to its Unix timestamp. Shows UTC and local timezone.

## Health & Wellbeing

- [BMI Calculator](https://nofluffhq.com/bmi-calculator): Calculate Body Mass Index with NHS weight category bands (underweight, healthy, overweight, obese). Supports metric and imperial units.
- [TDEE / Calorie Calculator](https://nofluffhq.com/tdee-calculator): Find your Total Daily Energy Expenditure (maintenance calories) and targets for weight loss or gain using the revised Harris-Benedict formula.
- [Sleep Calculator](https://nofluffhq.com/sleep-calculator): Find the best time to wake up or go to sleep based on 90-minute sleep cycles to wake feeling refreshed.
- [Age Calculator](https://nofluffhq.com/age-calculator): Calculate your exact age in years, months, and days from your date of birth. Shows days until your next birthday.
- [Running Pace Calculator](https://nofluffhq.com/running-pace): Calculate running pace per km and per mile, projected finish time, and per-km splits from a distance and total time.
- [Due Date Calculator](https://nofluffhq.com/due-date-calculator): Estimate a baby's due date from last menstrual period (LMP + 280 days) or conception date. Shows key pregnancy milestones.

## Everyday Maths

- [VAT Calculator](https://nofluffhq.com/vat-calculator): Add or remove UK VAT at the standard 20% or reduced 5% rate. Shows net amount, VAT amount, and gross amount instantly.
- [Percentage Calculator](https://nofluffhq.com/percentage-calculator): Three calculation modes — X% of Y, X is what percentage of Y, and percentage change from X to Y.
- [Discount Calculator](https://nofluffhq.com/discount-calculator): Find the sale price and total saving from any original price and discount percentage.
- [Tip & Bill Splitter](https://nofluffhq.com/tip-calculator): Calculate a tip amount and split a restaurant or group bill equally between any number of people.
- [Date Calculator](https://nofluffhq.com/date-calculator): Calculate the number of days between two dates, or add and subtract a number of days from a starting date.
- [Ratio Calculator](https://nofluffhq.com/ratio-calculator): Simplify ratios, scale them up or down to a target quantity, or split a total amount in a given ratio.
- [Working Hours Calculator](https://nofluffhq.com/working-hours-calculator): Enter start time, end time, and break minutes for each day of the week to calculate total hours worked and weekly pay at any hourly rate. Flags breaches of the 48-hour Working Time Regulations limit.
- [Days Until Calculator](https://nofluffhq.com/days-until-calculator): Countdown to any date in days, weeks, and months. Quick picks include Christmas, New Year's Day, Easter, Good Friday, Valentine's Day, Halloween, and Bonfire Night.
- [Holiday Pay Calculator](https://nofluffhq.com/holiday-pay-calculator): Calculate UK statutory holiday entitlement (5.6 weeks / 28 days for full-time) and total holiday pay value for full-time and part-time workers based on annual salary or daily or hourly rate.
- [Electricity Cost Calculator](https://nofluffhq.com/electricity-cost-calculator): Calculate how much any electrical appliance costs to run per hour, day, week, month, and year. Enter wattage, daily hours of use, and pence per kWh (default 24.5p — Ofgem 2024/25 cap).

## Colour Tools

- [Colour Converter](https://nofluffhq.com/colour-converter): Convert colours between HEX, RGB, HSL, HSV, and CMYK formats instantly.
- [Contrast Checker](https://nofluffhq.com/contrast-checker): Check WCAG AA and AAA contrast ratios for any foreground and background colour pair. Shows pass/fail for normal and large text.
- [Gradient Generator](https://nofluffhq.com/gradient-generator): Create CSS linear, radial, and conic gradients with custom colour stops, directions, and angles. Copy the CSS code instantly.
- [Random Colour Generator](https://nofluffhq.com/random-colour): Generate harmonious colour palettes — complementary, triadic, analogous, split-complementary, and more.