Say goodbye to app overload! Utilo-Ai is your ultimate all-in-one AI-powered toolkit, seamlessly combining a GST calculator, tax calculator, EMI loan calculator, bill splitter, unit converter, image to PDF converter, and QR scanner. Whether you're calculating inclusive/exclusive tax, splitting trip expenses, planning loan EMI payments, converting units, compressing images, or generating vCard QR codes, Utilo-Ai delivers precise results instantly. Designed for shoppers, travelers, students, and professionals, this intelligent app simplifies everything from financial planning to daily tasks. Download now and transform your phone into a productivity powerhouse!

### 💼 Your Complete Financial Hub

* Smart Tax & GST Calculator: The most versatile tax calculator app. Perfect for calculating GST, VAT, and tax rates. Use this powerful GST calculator to figure out inclusive/exclusive prices and apply discounts. Ideal for all your shopping and business needs.

* Fair Bill Splitter & Expense Tracker: The definitive split bill app. Use this smart expense splitter to easily split bills with friends for trips, dinners, or rent. It’s the perfect Splitwise alternative for managing group expenses.

* Advanced Bank Loan EMI Calculator: Plan with precision. This detailed EMI calculator provides a full loan repayment breakdown and amortization schedule. Essential for calculating home loan EMI, car loan EMI, or personal finances.

### 🔧 Your Creation & Conversion Studio

* Universal Unit Converter: Your last unit converter app. A comprehensive tool for length, weight, temperature, data, fuel economy, and more. A true multi-unit measurement solution.

* All-in-One Image Tools: A powerful image compressor and image to PDF converter. Compress images to reduce file size, crop photos, or convert formats to JPG or PNG effortlessly. Achieve a photo size 500 kb for web use in seconds.

* QR Code Scanner & Creator: Your digital gateway. A fast QR scanner and versatile QR maker. Generate custom codes for URLs, vCard contacts, or messages instantly.

### ⏰ Your Smart Time Manager

* Advanced Date & Time Calculator: A powerful date calculator app. Add or subtract days, find the difference between two dates, and plan projects with this essential working days calculator.

* Precise Age Calculator: Find your exact age with this accurate age calculator by date of birth. Perfect for official forms or personal records.

* Professional Stopwatch & Timer: A beautifully designed stopwatch and timer app. Ideal for workouts, cooking, and study sessions with lap times and a large display.

### ✅ Why Choose Utilo-Ai?

✔ All-in-One Convenience: Replaces dozens of single-use apps.
✔ AI-Powered & Accurate: Smart, reliable results for every task.
✔ Easy Sharing: Copy, download, or share results with one tap.
✔ Free & User-Friendly: A clean interface that simplifies complex tasks.
✔ Works Offline: Core features like the unit converter and EMI calculator work without the internet.

Transform your smartphone experience. Download the ultimate multi-utility toolkit today!