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Moratorium Calculator
Result
Chart
Show formula & working
Capitalised: Loan after m months = P × (1 + r)m
Serviced: interest paid = P × r × m
EMIs then start on the loan as it stands, either over the full repayment tenure (tenure extended) or over the months left to the original end date.Details
How this works
A moratorium pauses EMIs, not interest. If interest is added to the loan, you then pay interest on that interest for the rest of the tenure.
Paying the interest during the moratorium, if you can, keeps the loan from growing.
Frequently asked questions
Is a moratorium free?
No. Interest keeps running; only the payment is deferred.
Which option costs less afterwards?
Keeping the original end date means a higher EMI but less total interest than extending the tenure.
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