SimplyToolz is a set of free tools that run inside your browser. There are 14 of them, in seven languages, with no sign-up and no paid tier. They fall into three groups: image utilities, credit and savings calculators, and tools for crypto calculations.
Nothing you open here is uploaded
Compression, resizing, format conversion and HEIC decoding are done by your own browser, using the codecs it already ships with. Your files never reach a server of ours, because there is no server of ours in the path — and they are gone from memory when you close the tab.
A small detail that shows what that costs us in care: when a photo is compressed, the browser has already applied the rotation recorded in its EXIF data. If the tool simply copied that data across, your photo would come back rotated a second time. So the EXIF block is preserved — you keep the camera, the lens, the date — and only the orientation tag is reset. Compressor, resizer, converter, HEIC to JPG, JPG to PDF.
Credit: one engine behind four calculators
The mortgage, the consumer loan, the refinance and the credit-card payoff pages once carried three separate implementations of the same arithmetic, and they had drifted apart: one knew about extra payments, one about a repayment strategy, one about neither. They now share a single amortisation engine, checked by twelve tests against figures worked out by hand.
It handles annuity and straight-line schedules, one-off, monthly and yearly overpayments, and the choice between shortening the term and lowering the instalment. Insurance is carried alongside the debt rather than amortised into it, because that is how it is actually charged.
And when a payment is too small to cover even the month's interest, the tool says so instead of drawing a schedule. A repayment plan that never ends is easy to render and useless to read.
Crypto: what is left, not what is displayed
The same principle, applied where it costs the most. The arbitrage scanner and the demo bot exist for the difference between a gap on screen and money in hand.
- Exchange fees are read, not assumed. They come from each venue's own published schedule. Where a venue publishes nothing, the figure is estimated from the venues that do — and rounded against us rather than in our favour.
- A spread is priced through the order book, not off the top quote. The top quote is the price of one coin. The price of a hundred coins is always worse, and the gap between those two is what eats most “opportunities”.
- What survives the costs stands next to what is displayed. The gap a scanner shows, and the amount left after both exchanges' fees and the transfer between them, are two different numbers — side by side, on purpose.
- Some gaps are refused even when they are large. If deposits for that coin are closed on the receiving exchange, or the gap has outlived the time a transfer takes, it cannot be taken. The reason is named instead of the number being advertised.
The liquidation calculator and the staking calculator follow the same rule: fees and funding are subtracted before a result is shown, not after.
The rule all three share
Refusing is better than showing something attractive and wrong. A tool that produces a confident number for every question is easy to build and impossible to check.
What you will not find here
No subscriptions, no “ready-made routes”, no signals, no income promises. The tools never ask for exchange API keys and never place an order. The demo bot trades on paper: it keeps score as if the trades had happened, and touches no money.
How the site pays for itself
Links to exchanges are affiliate links and are marked as advertising. What a calculator shows does not depend on them: the arithmetic is the same whether or not anyone follows a link. No page carries an analytics script or an advertising script.
If you find a mistake
Please tell us. A wrong number matters more than any review — if the arithmetic is wrong, the tool is worthless.
Not financial advice
The tools produce an estimate from the numbers you enter. They are not financial, investment or tax advice. Full text: disclaimer.