Guides
Clear, tested how-tos for everyday file, money and math problems.
The 28/36 Rule Explained: Limits, Math and Real DTI Caps
The 28/36 rule caps housing at 28% and total debt at 36% of gross income. See the math, worked examples and DTI limits for conventional, FHA and VA loans.
BMI Chart for Adults: Healthy Weight by Height (kg and lb)
BMI chart for adult women and men: healthy, overweight and obese weight ranges by height in cm/kg and ft/lb, plus the lower WHO cut-offs for Asian adults.
Compress a Video for WhatsApp Without Losing Quality
Compress a video for WhatsApp: the best resolution, frame rate and bitrate, a file-size rule of thumb, and how to send in HD or as a document instead.
How to Convert HEIC to JPG on a Mac: 5 Free Ways
Convert HEIC to JPG on a Mac with Finder Quick Actions, Preview, Photos, a one-line Terminal command or a browser tool, including batch conversion.
How to Convert HEIC to JPG on Windows 10 and 11
Convert HEIC to JPG on Windows 10 and 11: the free Microsoft extensions, Paint and Photos, a browser batch converter, and how to stop HEIC at the source.
How to Convert MP4 to MP3 on iPhone and Android (Free, No App)
Convert MP4 to MP3 on iPhone and Android with a browser method that needs no app, plus built-in options, bitrates and file sizes.
Debt Snowball vs Avalanche: Which Pays Off Debt Faster?
Debt snowball vs avalanche compared with one real set of debts: months to debt-free, total interest paid, and when each method makes more sense.
Freelancer Take-Home Pay in Pakistan (2026): Fees and Tax
Freelancer take-home pay in Pakistan: follow a $1,000 Upwork, Fiverr or direct payment to your bank after platform fees, spread and the 0.25% or 1% tax.
How Loan Amortization Works: Schedule, Formula, Examples
Loan amortization splits each payment between interest and principal. See a full worked schedule, the payment formula, and how extra payments change it.
How Much Protein Do I Need a Day? By Weight and Goal
How much protein per day? The RDA is 0.8 g per kg of body weight, but active people, older adults and dieters need more. See gram targets by weight.
How to Calculate CGPA from SGPA (With Examples)
Calculate CGPA from SGPA using credits, as in the UGC CBCS rules. Worked examples on 10-point and 4.0 scales, plus common mistakes to avoid.
How to Calculate Hours Worked: Breaks, Decimals, Overtime
Calculate hours worked from clock-in and clock-out times: subtract unpaid breaks, handle overnight shifts, convert to decimal hours and work out overtime.
How to Calculate Square Footage of a Room or House
Calculate square footage for rooms, L-shaped spaces, circles and triangles: measure, multiply, add the parts and allow for waste on flooring or paint.
How to Calculate VAT: Add, Remove and the VAT Fraction
Calculate VAT by adding it to a net price or removing it from a gross price. Worked examples at 20%, 5%, 15% and 19%, plus the VAT fraction shortcut.
How to Compress a PDF on Android (Free, Without an App)
Compress a PDF on Android in Chrome without an app: choose the file, pick a compression level and get a smaller copy for email, WhatsApp or forms.
How to Compress a PDF on iPhone or iPad (Free, No App)
Compress a PDF on iPhone in Safari without an app: pick the file from Files, choose a compression level and save the smaller copy back to Files.
How to Convert PDF to Word for Free (Keeps Formatting)
Convert PDF to Word for free with four methods: a browser converter, Microsoft Word, Google Docs and OCR for scans. See what each keeps and what breaks.
How to Make a Freelancer Invoice: Fields, Example, Terms
Make a freelancer invoice: the fields you need, numbering, payment terms, tax lines (VAT, GST, sales tax), foreign clients and a worked example.
How to Resize a Photo to 20 KB (Without Making It Blurry)
Resize a photo to 20 KB for an exam or job form: the pixel sizes that fit, the order of steps that keeps it sharp, and fixes if the portal rejects it.
Marla and Kanal Size in Pakistan: Plot Sizes in Square Feet
Marla and kanal size in square feet: the 225, 250 and 272.25 sq ft standards, common plot sizes, square yards in Karachi and how to measure your plot.
NADRA CNIC and NICOP Photo Requirements: Size and Background
NADRA CNIC and NICOP photo requirements: when the photo is taken for you, the sizes commonly asked for online and how to avoid rejection in Pak ID.
Pakistan Electricity Bill Slabs 2026: The 200-Unit Rule
Pakistan electricity bill slabs for 2026: residential rates for LESCO, IESCO, MEPCO and K-Electric, why 201 units can double a bill, and each charge.
PayPal Fees 2026: What Sellers Pay by Country
PayPal fees for sellers in 2026 by country: the percentage, fixed fee, international surcharge and currency conversion spread, with worked examples.
Profit Margin vs Markup: Formulas and Conversion Table
Profit margin vs markup: margin is profit as a share of price, markup is profit as a share of cost. Learn both formulas and convert between them.
How Saudi End of Service Benefit Is Calculated (2026 Rules)
Saudi end of service benefit under Saudi Labor Law: half a month per year, then a full month, which wage counts, resignation fractions and riyal examples.
Tola, Masha and Ratti to Grams: Jeweller's Weight Table
One tola is 11.6638 grams. Convert tola, masha and ratti to grams and back, read a Pakistani jeweller's receipt, and see why 10 tola bars weigh 116.64 g.
UAE Gratuity Calculation (2026): Formula and Examples
UAE gratuity calculation step by step: 21 and 30 days of basic pay per year, part years, unpaid leave, the two-year cap and the 2021 Labour Law changes.
US Visa Photo Requirements 2026: Size, Pixels, 240 KB
US visa photo requirements for the DS-160 and DV Lottery: 2 x 2 inch prints, 600-1200 px square JPEG under 240 KB, head size, and fixes for upload errors.
What Do I Need on My Final? Formula, Examples and Table
What do I need on my final? Find the exam score you need for an A, B or C with one formula, worked examples, and what to do if you need over 100%.
Zakat on Gold: Nisab in Tola and Grams, 2.5% Rule, Examples
Zakat on gold: the 7.5 tola (87.48 g) nisab, valuing 22K and 21K gold, whether worn jewellery is zakatable, and worked examples in rupees and dirhams.
15 vs 30-Year Mortgage: Payments, Interest and Which to Choose
Compare a 15-year and 30-year mortgage on a $300,000 loan: monthly payment, total interest, equity after 5 and 10 years, and when each one makes sense.
Average Typing Speed: WPM Benchmarks and How to Improve
Large studies put average typing speed at about 52 WPM on a keyboard and 36 WPM on a phone. Learn how WPM is calculated, job benchmarks and how to improve.
AVIF vs WebP vs JPG: Which Image Format Should You Use?
AVIF vs WebP vs JPG compared on file size, quality, browser support, transparency and speed, with a worked example and a simple rule for choosing a format.
BMI Explained: Categories, Asian Cut-offs and Limitations
BMI explained: how to calculate it, the WHO adult categories, lower cut-offs for Asian populations, what BMI misses and how to find a healthy weight range.
CGPA to Percentage Formula: CBSE, VTU, Anna University, IITs
CGPA to percentage formulas verified for CBSE (×9.5), VTU, Anna University, JNTUH, SPPU and IITs, and what to do if your university has none.
Compound Interest Formula Explained: Examples and Inflation
The compound interest formula explained: A = P(1 + r/n)^nt with worked examples, a compounding frequency table, the power of time and inflation.
How EMI Is Calculated: Formula, Example and Flat vs Reducing Rate
Learn the EMI formula with a worked ₹10 lakh example, see how each EMI splits into interest and principal, and why a flat rate costs more than it looks.
How Extra Payments Shorten Your Mortgage (With Real Numbers)
See how extra monthly payments, a 13th payment or a lump sum cut years and interest off a mortgage, plus the prepayment penalty rules to check first.
How Many Calories to Lose Weight? TDEE and Safe Deficits
Estimate calorie needs with TDEE, pick a safe deficit, and see why NIH research shows the 3,500-calorie rule overpredicts weight loss. Not medical advice.
How Much House Can I Afford on My Salary? A Worked Example
How much house can you afford on your salary? Use the 28/36 rule, debt-to-income ratio, down payment and closing costs, step by step with real numbers.
How to Calculate GPA: Weighted, Unweighted and Credit-Hour GPA
Calculate GPA step by step: convert letter grades to points, weight honors and AP classes, use credit hours, and find your cumulative GPA, with examples.
How to Calculate Percentage: Formulas, Examples and Cheat Sheet
Calculate a percentage of a number, percent change and reverse percentages, avoid the most common mistakes, and use our quick cheat-sheet table.
How to Calculate Your Exact Age in Years, Months and Days
Calculate your exact age step by step, handle month-end and 29 February birthdays, and check your age on a cut-off date for exams like UPSC and SSC.
How to Compress a PDF: Online, iPhone, Mac, Windows and Android
Shrink a PDF for email or an upload limit. Clear steps for the browser, iPhone, Mac Preview, Windows and Android, plus why some PDFs barely get smaller.
How to Convert HEIC to JPG on iPhone, Windows and Mac
Why iPhone photos are HEIC, how to switch your camera to JPG with Most Compatible, and the quickest ways to convert HEIC files to JPG on Windows and Mac.
How to Convert PDF to JPG (Every Page, Sharp Text, Any Device)
Turn PDF pages into JPG images on Windows, Mac, iPhone or Android. Learn which resolution to pick, when PNG is better, and how to keep text sharp.
How to Count Days Between Dates (Inclusive and Business Days)
Count the days between two dates correctly: when to include the start or end date, how to count business days, legal deadlines, and month arithmetic traps.
How to Create a Strong Password (What NIST Recommends in 2026)
Create a strong password: length beats complexity. Learn about passphrases, why a password manager matters and how to add two-factor authentication.
How to Format JSON: Syntax Rules, Common Errors and Fixes
Learn the JSON syntax rules, fix the errors that break parsers (trailing commas, single quotes, comments), and know when to pretty-print or minify JSON.
How to Make a QR Code: Static vs Dynamic, Wi-Fi and Print Size
Make a free QR code for a link, Wi-Fi network or contact, choose between static and dynamic codes, and size it correctly for flyers, posters and signs.
How to Merge PDF Files on Windows, Mac, iPhone and Android
Combine several PDFs into one file in the right order. Free methods for the browser, Mac Preview and Finder, iPhone and iPad, Windows 11 and Android.
How to Reduce Image Size in KB for Online Forms (20, 50, 100 KB)
Get a photo or signature under 20 KB, 50 KB or 100 KB for exam and job forms in India, Pakistan and Bangladesh, without making it blurry or rejected.
How to Remove the Background from an Image for Free
Remove a photo background for free with in-browser AI, iPhone, Mac, Windows 11 or Android, then get clean edges and save it as a PNG with transparency.
How to Remove Location from Photos (EXIF and GPS Data)
Photos can reveal where they were taken. Remove GPS location and other EXIF data on iPhone, Android, Windows and Mac, and stop new photos saving it.
How to Sign a PDF: Electronic vs Digital Signatures Explained
Add your signature to a PDF on any device, and learn the difference between a simple electronic signature and a certificate-based digital signature.
How to Split a PDF: Separate Pages or Extract Only Some
Split a PDF into several files or extract selected pages. Free methods for the browser, Windows 11, Mac Preview, iPhone and Android, with examples.
New vs Old Tax Regime 2026-27: Which Is Better for Salaried?
Slabs, rebate, standard deduction and deductions under both regimes for tax year 2026-27, the first year of the Income-tax Act, 2025, with worked examples.
Pakistan Income Tax Slabs 2026-27 for Salaried Individuals
The salaried tax slabs for 2026-27 under the Finance Act 2026, what changed from 2025-26, the end of the 9% surcharge, and worked examples.
Passport Photo Size Guide: US, UK, Schengen, Canada, India
Passport photo size guide: official passport and visa photo sizes for 10 countries in one table, with head size, background rules and government sources.
Rule of 72: How Accurate Is It? Table vs Exact Doubling Times
The Rule of 72 estimates how long money takes to double. See how accurate it is at rates from 1% to 30%, the exact formula, and when to use 69.3 or 70.
SIP vs Lumpsum: Which Is Better? Worked Examples and Risks
SIP vs lumpsum compared with worked rupee examples in rising, falling and choppy markets, plus how rupee-cost averaging works and what it cannot do.
UK Tax Bands 2026/27: Income Tax, NI and Student Loans
Every UK income tax band for 2026/27, including Scotland, plus National Insurance, the £100,000 allowance taper and student loan thresholds, with examples.
US Federal Tax Brackets 2026 and Standard Deduction
The 2026 federal income tax brackets for every filing status, the new standard deduction, FICA limits and what they mean for your paycheck, with examples.
Word and Character Limits for Social Media, SEO and Essays
Word and character limits for X, Instagram, LinkedIn, TikTok and YouTube, plus SEO titles, Google Ads, college essays and SMS, from official sources.