Financial calculators
Free tools, no sign-up required, for estimating an investment, a loan or the effect of inflation. Results update with each entry, and each page explains the calculation method.
Savings and Investment
5 calculators
- Compound interestCalculate the capital obtained from an initial investment, monthly contributions and an annual rate, according to the interest compounding frequency.
- Recurring investmentProject regular contributions into an investment and measure the effect of annual fees on the final capital, with and without fees.
- Savings GoalCalculate the amount to set aside each month to reach a target sum by a given date, based on your starting capital and expected return.
- Financial independenceEstimate the capital that would cover your annual expenses at a given withdrawal rate, and the number of years of saving needed to reach it.
- DividendsProject the dividends of a stock portfolio based on yield, dividend growth, taxation and reinvestment.
Credit
2 calculators
- Mortgage loanCalculate the monthly payment, interest and insurance costs of a mortgage loan, with a year-by-year amortization schedule.
- Borrowing capacityEstimate the maximum monthly payment and the borrowable amount based on your income, expenses and the 35% debt-to-income ratio recommended by the HCSF.
Markets
3 calculators
- Investment backtestDiscover what a regular monthly investment in an index, a stock or a cryptocurrency would have been worth, based on actual historical prices.
- BondsCalculate the price or yield to maturity of a bond, its duration, convexity, coupon schedule and the effect of a change in interest rates.
- Currency converterConvert an amount between the euro and major currencies using the reference rates published by the European Central Bank.
Tools
1 simulator
The calculators rely on the assumptions you enter and on formulas explained on each page. Their results are indicative only. The information published on TimeLinq is for informational purposes only and does not constitute investment advice. Investing involves a risk of capital loss.