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Look beyond the monthly payment. Estimate interest, fees and repayment dates, then compare your options with a clearer view of the total cost.
Calculator inputs are processed on your device. Your figures are not sent to a server to produce the results, and calculations work offline.
Tracking tells you what you spent. It says nothing about the largest number in most households — what the borrowing costs.
Both halves run on the phone. No bank login, no account, nothing leaving the device.
Find all six tools in the Tools section of the Sollus app.
All six work in the current release, at no cost. Three of them belong to the planned Premium tier, which is not on sale yet — nothing in the app is locked today.
What a personal or consumer loan really costs, beyond the monthly payment.
Understand how the property price, deposit and loan term shape your mortgage costs.
See how rates, fees and payment choices affect your card balance.
Keep your debts in one place and explore a repayment order that suits your plan.
What paying extra would actually save, after the lender's prepayment fee.
Compare financing options by total cost and effective rate.
Six screens, one calculation engine, and a rule the app keeps everywhere: the monthly payment never appears without the total cost beside it.
What a personal or consumer loan really costs, beyond the monthly payment.
Put in the amount, the rate and the term, then read the payment and the total cost at the same size. Add the fees the lender lists and watch the effective rate move — that is the figure two offers can honestly be compared on.
Compare offers with different repayment terms to see how monthly payments and total interest change.
Understand how the property price, deposit and loan term shape your mortgage costs.
Enter price, down payment and term. When the rate steps after a promotional period, enter both: the payment after the step is shown as prominently as the first one, because that is the payment you actually live with.
Estimate your payment after a promotional rate ends, using the rate assumptions you enter.
See how rates, fees and payment choices affect your card balance.
Enter the balance, the rate and how the minimum payment is worked out. Paying the minimum gives the honest answer — the months, the interest, and the case where the balance never clears at all.
Compare the time and interest needed to clear a balance with minimum payments or a fixed monthly amount.
Keep your debts in one place and explore a repayment order that suits your plan.
Add each debt once. Balances, rates and due dates sit in one place, payments are recorded as they happen, and each one is split into principal and interest — so repaying a loan stops being counted as spending.
Four debts at four rates. The order you pay them in changes what the whole thing costs.
What paying extra would actually save, after the lender's prepayment fee.
Enter a lump sum or a monthly overpayment and choose what it buys: a shorter term or a smaller payment. The prepayment charge is entered separately and shown separately, so the saving on screen is the one left after it.
See how an extra payment changes total interest and the repayment timeline, including any prepayment fee you enter.
Compare financing options by total cost and effective rate.
Line up several offers, or your current loan against a refinancing one. The table marks the cheapest by total cost whatever the sort is, and says in words when a lower monthly payment costs more overall.
Put quotes with different rates, fees and terms side by side to see the trade-offs.
SOFR updates automatically from the Federal Reserve Bank of New York. Other supported reference rates, including EURIBOR and the National Bank of Moldova's base rate, are entered manually.
Each rate shows its source and freshness, so you can distinguish a recent update, an older value and a manual entry.
Sollus does not retrieve bank offers. To compare options, enter the rates, fees and terms quoted by your lenders.
Add a tracked debt's upcoming payments to your planned transactions. They appear in your plan separately from current totals and can be recorded as payments when they fall due.
You choose whether to add a debt's payments to your planned transactions. Running a calculation does not add them automatically.
Calculations are estimates based on what you entered. Real lender terms, fees, payment dates and rounding conventions vary, and the amount a lender charges you may differ.
Verify any figure with the lender before you sign anything.
Sollus is not a bank, a broker or a financial adviser. These are arithmetic tools for understanding your own decisions — not a recommendation, and not a statement that credit is available to you.
Open Tools in Sollus to try the three free calculators. No account or subscription needed.