How to use this calculator
- Enter opening loan balance, nominal annual rate (%), months without payments, repayment months after deferral.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Contract must permit this capitalization; no subsidies, fees, legal moratorium entitlement or lender approval implied.
Worked example
With a 12,000 balance, zero interest, six payment-free months and twelve subsequent repayments, the deferred balance stays 12,000 and each payment is 1,000. At a positive rate, the deferred balance grows before repayment begins; the table starts with the first repayment month.
What the result means
Model capitalized monthly interest during a payment holiday followed by repayment.
Common questions
How is the calculation performed?
Deferred balance=principal×(1+monthly rate)^delay; amortize this balance over later repayment months.
What does the model leave out?
Contract must permit this capitalization; no subsidies, fees, legal moratorium entitlement or lender approval implied.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.