Practical guidance on development, online stores and the tools that help your business work better.
Tag: free tools
Stamp CONFIDENTIAL, DRAFT or your own name across every page of a PDF: size, opacity, colour, angle, centred mark or tiled grid — all in your browser.
Asad · Oct 26, 2026 Read article →Organize a PDF in your browser: reorder pages by drag or arrow, rotate sideways pages, delete unwanted pages and extract a selection — pages are copied, not re-rendered, so text stays selectable.
Asad · Oct 26, 2026 Read article →Refinancing $300,000 with 25 years left from 7% to 5.5% cuts the payment from $2,120.34 to $1,842.26 — saving $278.08 a month and $83,422.53 of interest before costs.
Asad · Oct 25, 2026 Read article →Estimate UK mortgage affordability from income: £60,000 at 4.5 times gives £270,000 borrowing — a £300,000 purchase with a £30,000 deposit, at £1,578.39 a month.
Asad · Oct 25, 2026 Read article →Project UK pension growth with the annuity formula: £300 a month for 30 years at an illustrative 5% reaches £249,677.59 — £108,000 contributed plus £141,677.59 of growth.
Asad · Oct 25, 2026 Read article →Pay off a $30,000 student loan at an illustrative 6% in 86 months with an extra $100 a month — saving $3,046.28 of interest versus the standard 120-month plan.
Asad · Oct 25, 2026 Read article →Pay off a $5,000 card at an illustrative 22% APR in 26 months with $1,285.72 of interest at $250 a month — versus 52 months and $2,798.05 at $150 a month.
Asad · Oct 25, 2026 Read article →Project Roth IRA growth with the annuity formula: $500 a month for 30 years at an illustrative 7% reaches $609,985.50 — $180,000 contributed plus $429,985.50 of growth.
Asad · Oct 25, 2026 Read article →Set a savings goal that survives contact with real life: monthly-needed vs time-to-goal, a worked $10,000 example ($773.60/mo for 12 months or $250/mo for 36), milestones and the automation trick.
Asad · Oct 24, 2026 Read article →Convert any hourly wage to an annual salary: the 2,080-hour benchmark, a worked $28/hour example ($58,240 a year), overtime at 1.5x, unpaid weeks and the 5% raise simulator.
Asad · Oct 24, 2026 Read article →Add or remove UK VAT the right way: the 1.2 multiply/divide rule, the 20%, 5% and 0% rates explained, and a worked £1,000 example with £200.00 of VAT at the standard rate.
Asad · Oct 24, 2026 Read article →Build a professional invoice with the free Invoice Generator: business and client details, logo, invoice number, currency, issue and due dates, line items, tax, discounts and amount paid. Worked example INV-001 — Sample Studio invoices Example Ltd £1,850 plus 20% VAT, £2,220.00 total due, issued 24 October 2026, due 7 November 2026.
Asad · Oct 24, 2026 Read article →This conversation is closed — thanks for chatting with us.
