Moratorium Interest Calculator

Work out moratorium interest instantly with clear inputs, formula shown and shareable results.

About Moratorium Interest Calculator

A moratorium pauses payments but not interest. Unpaid interest compounds onto the balance, so the loan restarts from a larger principal and every remaining instalment rises — a payment holiday is a deferral, not a waiver.

Formula

Capitalised balance

P' = P(1+r)^k; New EMI = PMT(P', r, n)

k: Moratorium months
r: Monthly rate

Worked example

With the default values below, Moratorium Interest Calculator returns Interest Accrued During The Moratorium of $82,534.02. Change any input above and every figure here is recalculated in your browser.

Inputs used

Outstanding Loan Amountminimum 0: 1,800,000
Annual Interest Rateaccepts 0–100 %: 9 %
Moratorium Length In Monthsaccepts 1–36: 6
Remaining Tenure After Moratoriumaccepts 1–35: 15

Results

Interest Accrued During The Moratorium: $82,534.02
Principal After Capitalisation: $1,882,534.02
Revised EMI: $19,093.91
Increase In EMI: $837.12

Step by step

1Values used
2Capitalised balance
3Interest Accrued During The Moratorium= 82,534.02
4Principal After Capitalisation= 1,882,534.02
5Revised EMI= 19,093.91
6Increase In EMI= 837.12

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or fees or charges into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.

Frequently Asked Questions

Is a moratorium free?

No. Interest compounds during the pause, so the total cost of the loan rises even though nothing is due meanwhile.

Can the tenure be extended instead of raising the EMI?

Many lenders allow that. It keeps the instalment flat but adds still more interest.