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Two loans with the same monthly payment can differ by thousands over their life. This shows the payment and the total cost at the same size, adds the fees to an effective rate, and keeps every figure on your device.
What the lender actually pays out.
The rate written in the offer, before fees.
The same amount every month; most consumer loans work this way.
Percentage of the amount, charged at signing. Leave empty if there is none.
Monthly payment
1,271.87 EUR
Total cost
76,312.40 EUR
Total interest
16,312.40 EUR
21% of everything you pay
Effective annual rate
10.36%
Includes the fee. The figure to compare two offers on.
What you still owe, and the interest paid so far, after every payment.
The balance falls from 60,000.00 EUR to zero over 60 payments; interest paid reaches 16,312.40 EUR.
Hover or tap the chart to see any payment. Arrow keys work too.
Interest comes first. The early payments mostly go to the lender; the later ones mostly clear the debt.
Over the whole term you pay 16,312.40 EUR in interest — 21% of every payment goes to the lender rather than to the debt.
Illustrative figures, computed with the same engine as the calculator above. The rates are round numbers, not offers — open an example and change anything.
10,000.00 EUR at 9% a year
3 years
5 years
Same amount, same rate: over 5 years the loan costs 1,007.17 EUR more in interest than over 3 — the price of the smaller payment.
The calculation runs in your browser on the same engine the Sollus app uses. No figure is sent to a server, no account is asked for, and there is nothing to unsubscribe from afterwards.
Sollus stores the loan, tracks what you actually pay, splits every payment into principal and interest, and tells you what paying extra would save.