One-Time Pad XOR Tool

Enter a message and key, choose encrypt or decrypt, and XOR them together.

How to use

Monthly payment, total interest and full amortization schedule.

Percent change, percent of, and ratio calculations.

Calculate final price, savings, and discount amount.

Body mass index from height and weight (metric or imperial).

Compute your exact age in years, months and days from a birth date.

Calculate the final amount and interest earned with compounding.