Education Loan & Student Loan Calculator
See what you will actually repay on a student loan — including the interest that quietly builds up while you are still studying (the moratorium period) and gets added to your balance before repayment even begins.
Choose your country for local rates
Rates, currency and rules differ everywhere. Open the education loan calculator tuned to your country:
Why student loans cost more than they look
During your study period you usually make no payments — but interest still accrues and is added to the principal. By graduation your balance can be noticeably higher than what you borrowed. This calculator compounds the loan through the study years, then computes the monthly payment on that larger amount.
The single best money-saving move
If you or your family can pay just the interest during your studies, the principal stays flat and you avoid the compound-growth trap entirely — often the biggest saving available on a student loan. Many banks also offer a lower simple-interest option during the moratorium; always ask.
Want the full interactive tool?
The homepage version adds sliders, schedules and 14 calculators in one place.
Open the full calculator →