Loan Deferment Calculator
Interest grows during deferment.
Your figures stay on your computer — no server, no tracking, no registrationTry: Balance=12000, APR=5, Defer months=12 → $12,000, 12, $12,614, $614
How to use
While payments are paused, interest usually keeps accruing and is added to the balance (capitalized). Enter the balance, rate and deferment length to see the new balance.
Formula
Balance after = balance × (1 + r)months.
FAQ
Subsidized loans differ?
Some subsidized loans pause interest; this assumes it accrues.
Cost of deferring?
You pay interest on interest later — often worth avoiding if you can.
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