📊 CapitalizedInterest.com

⚡ Free Calculator
See the true cost of deferred interest. Enter your loan details below — we'll show you exactly how much you'll lose to capitalization and what you can do about it.
Federal loans accrue simple interest, then capitalize once at the end.
$1,000 – $500,000
0.5% – 15%
3 – 120 months
$0 if you're paying nothing
😰 Minimum payments 💪 Aggressive payoff
Suggested payment: $0 / month
Original Balance
$30,000
what you borrowed
Capitalized Interest
$0
added to principal
New Total Balance
$30,000
what you actually owe
📉 Original: $30,000 📈 New: $30,000
0% +0.0% 100%

💡 What if you paid just $50/month during deferment?

You'd save $0 in capitalized interest and owe $0 instead.

🏦 Compare Refinance Rates → 📋 See Income-Driven Repayment Plans 🛡️ Learn How to Avoid It

💡 The bottom line: You're paying interest on $0 of interest that was added to your balance. That's 0.0% more than you originally borrowed.

⚠️ This calculator provides estimates for educational purposes only. Actual loan terms vary. Consult a financial advisor for personalized advice. We do not lend money or provide financial planning.
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