EMI Moratorium Calculator
Calculate extra interest cost of taking EMI moratorium or loan holiday. Compare total repayment with and without moratorium.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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About EMI Moratorium Calculator
Calculate the true cost of taking an EMI moratorium (loan holiday). Shows additional interest that accrues during moratorium, impact on remaining tenure, total extra outflow, and comparison of repayment schedules with and without moratorium.
An EMI moratorium — a temporary pause on loan repayments, as widely offered during COVID-19 — doesn't mean the loan becomes interest-free during that period; interest continues accruing on the outstanding principal throughout the moratorium, and this accrued interest is typically added to the principal afterward, which increases either your future EMI amount or the total loan tenure once repayments resume. Many borrowers who took moratoriums without fully understanding this ended up paying meaningfully more in total interest over the life of the loan than they would have by continuing regular payments. This calculator shows the exact additional interest cost a moratorium adds, so the trade-off between short-term relief and long-term cost is clear before opting in.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Frequently asked questions
Does moratorium increase loan tenure or EMI?
It can do either. Interest accrued during moratorium is added to outstanding principal. Banks then either increase tenure (same EMI) or increase EMI (same tenure). Both options cost significantly more.
How much does a 3-month moratorium cost on a ₹50L home loan?
On ₹50L at 8.5% for 20 years, a 3-month moratorium adds approximately ₹1.07 lakh in extra interest over the remaining loan tenure.
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