Moratorium Calculator
Understand how a moratorium (payment pause) increases your loan's principal and future EMI.
About this calculator
During a moratorium you skip EMIs, but interest keeps accruing and is added to the principal. Your EMI afterward is therefore higher.
This tool quantifies that increase so a payment holiday isn't a surprise later.
All calculations happen in your browser — your numbers are never sent anywhere. Results are estimates for guidance only, not financial advice.
Frequently asked questions
Is a moratorium free?
No — interest accrues during the pause and is capitalised, raising your future EMI and total cost.
When is a moratorium useful?
During temporary income loss or, for education loans, while you are still studying.
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