Estimate deferred loan installments using clear inputs and transparent formulas, with results intended for planning and comparison.
How to use this calculator
For deferred loan installments calculator, enter Loan principal (SAR), Annual interest rate (%), Original remaining months, Deferred installments using the unit or format beside each field. Select Calculate to apply the formula below, review all returned values together, and use Reset to restore the demonstrated inputs before testing another scenario.
Formula & calculation method
deferredBalance = principal*pow(1+annualRate/1200,deferredMonths); newPayment = pmt(principal*pow(1+annualRate/1200,deferredMonths),annualRate,months); deferralInterest = principal*(pow(1+annualRate/1200,deferredMonths)-1)Worked example
For a reproducible deferred loan installments calculator example, use Loan principal: 100000; Annual interest rate: 5; Original remaining months: 36; Deferred installments: 3. The first returned value, balance after deferral interest, is calculated with principal*pow(1+annualRate/1200,deferredMonths); the other results describe the same scenario. Change one input at a time and keep its unit consistent when comparing scenarios.
Limitations to keep in mind
A financial projection, not a guaranteed return, lender offer, or personalized recommendation. Confirm current contract terms, fees, taxes, and rate conventions.