Your details
About the Loan Moratorium Calculator
A moratorium pauses your EMIs for an agreed period. It is a genuine relief in a cash flow crisis, but it is not a holiday from the loan — interest continues to accrue on the outstanding balance every single month, and the unpaid interest is added to the principal.
When the pause ends you choose between a longer tenure at the same EMI or a higher EMI over the original tenure. This calculator shows both, along with the extra interest the pause adds over the life of the loan.
The formula
The compounded interest is capitalised, so you then pay interest on the interest.
Things worth knowing
Frequently asked questions
No. Interest accrues throughout and is usually added to your principal, so you end up paying interest on that interest. The calculator quantifies it above.
A formally granted moratorium is reported as a restructuring rather than a default, which is far better than missed EMIs. Simply not paying, without approval, damages the score badly.
Explore every calculator
55 free tools across loans, tax and investments — all with the full working shown.