Estimate extra interest when a loan payment holiday adds interest to the balance.
Please do not make financial decisions based on these results.
What is the Moratorium Calculator?
Estimate extra interest when a loan payment holiday adds interest to the balance. To use the Moratorium Calculator, enter outstanding balance, interest rate, moratorium, remaining tenure; it returns interest added during moratorium, new emi over remaining tenure, emi without moratorium, and shows them instantly as you type.
Where the Moratorium Calculator fits
Estimate extra interest when a loan payment holiday adds interest to the balance. The main figure it returns is the Interest added during moratorium, worked out from the values you enter.
It belongs with the other india & pakistan finance tools. If you are comparing options or checking a result from another angle, try the Home Loan EMI Calculator, Car Loan EMI Calculator or the Personal Loan EMI Calculator.
How to use the Moratorium Calculator
- Fill in the fields. You will need Outstanding balance (₹), Interest rate (% per year), Moratorium (months), Remaining tenure (months). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Interest added during moratorium, and the cards below show New EMI over remaining tenure, EMI without moratorium. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Moratorium Calculator using the default values shown in the calculator above:
Inputs
| Outstanding balance (₹) | 1,800,000 |
|---|---|
| Interest rate (% per year) | 9 |
| Moratorium (months) | 6 |
| Remaining tenure (months) | 120 |
Results
| Interest added during moratorium | ₹81,000 |
|---|---|
| New EMI over remaining tenure | ₹23,828 |
| EMI without moratorium | ₹22,802 |
With these inputs the calculator returns Interest added during moratorium: ₹81,000. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Outstanding balance (₹) from 1,800,000 to 2,160,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Interest added during moratorium | ₹81,000 | ₹97,200 | +20% |
| New EMI over remaining tenure | ₹23,828 | ₹28,593 | +20% |
| EMI without moratorium | ₹22,802 | ₹27,362 | +20% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Moratorium Calculator reports Interest added during moratorium, new emi over remaining tenure and emi without moratorium. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
Does interest stop during a moratorium?
No. Interest usually continues to accrue and is added to the balance.
Why are results in rupees?
Indian tools show Indian rupees and Pakistani tools show Pakistani rupees, so the numbers match your statements.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
Related india & pakistan finance calculators
- Home Loan EMI Calculator
- Car Loan EMI Calculator
- Personal Loan EMI Calculator
- NPS Calculator for India
- Sukanya Samriddhi Yojana Calculator
- Atal Pension Yojana Calculator
- EMI Calculator – Equated Monthly Installment
- Bike EMI Calculator
- TDS Interest Calculator
- SIP Calculator — Systematic Investment Plan
- Lumpsum Calculator
- SWP Calculator — Systematic Withdrawal Plan
All India & Pakistan Finance calculators →