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About this tool
See the extra interest, higher EMI and added tenure caused by pausing your loan EMIs for a few months.
The EMI Moratorium Impact Calculator shows the true price of pressing pause on your loan. It compounds interest on your outstanding balance for every month of the break, capitalises it, and then recalculates the loan two ways — keeping the same EMI so the tenure stretches, or keeping the same number of instalments so the EMI rises. Borrowers considering a lender-offered moratorium, a step-down period after a job loss, or a construction-linked holiday can see the added months and added rupees before signing.
Open EMI Moratorium Impact Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Shows the balance growing month by month during the break, not just the EMIs you skipped.
Extended tenure and raised EMI are shown side by side, so you can pick the one you can actually sustain.
Turns the decision into one comparable number: what each rupee of postponed EMI ends up costing.
No. It only defers the instalment. Interest continues to accrue on the outstanding balance for every month of the break and is usually added back to the principal, so you repay more overall.
On a long-tenure loan the added interest often exceeds the value of the skipped EMIs, and the tenure can stretch by well over the six months paused, because the capitalised interest itself has to be repaid with interest.
A moratorium formally granted by the lender should not be reported as a default, but lenders do record the restructuring and some report a special status flag. Ask how the account will be reported to the bureaus before you opt in.
Servicing just the monthly interest during the difficult period keeps the principal from compounding and leaves the tenure untouched. Many lenders allow this, and it costs far less than a full pause.
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