⏸️ Moratorium Calculator
See how much interest builds up during a loan moratorium (payment holiday) and what your revised EMI becomes once regular repayments resume.
What a loan moratorium is
A moratorium is a temporary period during which a borrower is allowed to pause loan repayments, often during financial hardship. Interest usually continues to accrue on the outstanding balance during this pause, even though no EMI is being paid.
How this calculator works
The calculator compounds interest on your outstanding loan amount for each month of the moratorium period, which increases the principal balance. It then recalculates your EMI for the remaining tenure using the standard amortization formula, applied to this new, larger principal, so you can see how the payment pause affects your future monthly payment and total interest.
This tool is for general planning and education. Actual moratorium terms — including whether interest is simple or compounded, and whether it is added to the loan or billed separately — vary by lender, so confirm the exact terms with your loan provider.