Eight free tools · No sign-up · कोई रजिस्ट्रेशन नहीं
Every calculator here shows its working, states its assumptions, and tells you where the maths stops being reliable. None of them ask for your email.
Start with the number, then read why. Most financial content explains for a thousand words and never gives you a figure. These do the opposite — you get the number in about four seconds, and the explanation is there if you want it.
Investing
3 toolsSaving & deposits
3 toolsWhich one do you actually need?
If you have a monthly amount and want to know where it ends up, use the SIP calculator. If you have a target and want to know what it costs per month, use the goal-based one — that’s usually the more useful direction, because people generally start from a thing they want rather than an amount going spare.
For money you’ll need within three years, skip the SIP tools entirely and use the FD or RD calculators. Equity is the wrong instrument for a dated short-term goal, and no projection changes that.
And if you’re carrying a home loan while also trying to invest, the prepay-or-invest calculator is the one to run first. It’s the only decision on this page where the two obvious answers are both defensible and the arithmetic genuinely decides it.
How these are built
- Standard formulas, computed live. Future value of an annuity for SIP, RD and PPF; reducing-balance amortisation for EMI; compound interest for FD. Nothing is looked up from a table.
- Assumptions are stated, not hidden. Where a figure depends on an assumed rate of return, the page says so and encourages you to test a lower one.
- Nothing leaves your browser. No accounts, no email capture, no data sent anywhere. The calculation runs on your device.
- No product recommendations. These tools don’t route you to a fund, a bank or a broker, because Diving Finance takes no commission from any of them.
Educational content only — not financial advice. Every figure produced by these tools is a projection based on the inputs and assumptions you supply, not a guarantee. Interest rates, tax rules and scheme terms change; verify current figures with the relevant bank, provider or authority before acting. Consult a registered adviser for decisions specific to your circumstances.