Deferred Payment Loan Calculator
Calculate deferred payment loans with interest-only, no-payment, or partial payment periods
Loan Details
Add unpaid interest to the loan balance
Ready to Calculate
Enter your deferred loan details to see payment breakdown and timeline.
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How to Use the Deferred Payment Loan Calculator
Enter Loan Details
Input your loan amount, annual interest rate, and total loan term in years. These basic parameters establish your baseline loan structure.
Set Deferral Period
Specify how many months you want to defer payments. This can range from 1 month to several years depending on your situation.
Choose Deferral Type
Select between No Payment (complete suspension), Interest Only (pay just interest), or Partial Payment (reduced amount). Each option has different cost implications.
Configure Capitalization
Decide whether unpaid interest will be added to your loan balance. Capitalization significantly increases total loan cost over time.
Analyze Results
Review the payment breakdown, extra costs compared to standard loans, and detailed payment schedule to understand the true impact of deferral.
Deferred Payment Tips
Calculate the total cost impact before accepting payment deferral to understand long-term financial implications
Consider making interest-only payments to prevent loan balance growth during difficult periods
Explore income-driven repayment plans as alternatives that may offer better long-term value
Understand whether unpaid interest will be capitalized and added to your principal balance
Resume regular payments as soon as financially possible to minimize additional interest costs
Use deferral strategically for genuine emergencies, not lifestyle choices or discretionary spending
Compare different deferral types (no payment, interest-only, partial) to find the least costly option
Set up automatic payments to resume when your deferral period ends to avoid missed payments
Document your financial hardship reasons as some deferral types may qualify for tax benefits
Review your loan servicer's specific deferral terms as policies vary between different lenders