Free online tools and utilities available on internet

a.     Calculator
i.    EMI calculator http://emicalculator.net/
ii.    Loan Affordability Calculator http://emicalculator.net/loan-affordability-calculator
iii.    Retirement calculator http://retirementcalculator.net/
iv.    Retirement income calculator http://retirementcalculator.net/retirement-income-calculator/
v.    Scientific calculator http://web2.0calc.com/

b.    Currency exchange rate
i.    http://www.x-rates.com/
ii.    www.xe.com

c.     Unit conversions http://www.unitconversion.org/

d.    Online conversion http://www.online-convert.com/

e.     Free Full featured photo editing tool http://www.sumopaint.com/start/  
         
f.     Text2image – Create image from your desired text http://www.text-image.com/convert/

g.    Create funky images http://www.interactimage.com/