Smart Finance Utility
Smart Education Loan Calculator 
Plan student EMIs, calculate grace period interest, and visualize accelerated debt-freedom for .
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DEBT ACCELERATOR (OPTIONAL)
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Base EMI
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Total Interest
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Total Cost
Grace Interest: ₹0 (Accrued)
Actual Tenure: 0 Months
Loan Amortization Schedule
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OTechy Education Loan Planner is a specialized academic finance utility for the global student market. Utilizing a moratorium-adjusted compounding algorithm, it isolates grace-period interest, accounts for debt capitalization, and helps students strategize lump-sum payments for a faster path to debt freedom.
How to Plan Your Student Loan
- 1 Enter Loan Details: Input principal and APR. Live commas help verify high-value tuition amounts instantly.
- 2 Define Grace Period: Add study months plus buffer. The tool calculates the hidden interest accrued before EMIs begin.
- 3 Simulate Savings: Use the Debt Accelerator fields to see how a graduation bonus or small extra monthly saves years of interest.
Understanding Moratorium Interest in
Most education loans offer a "holiday" where you don't pay EMIs while studying. However, **interest still accrues** during this period. If unpaid, it is added to your principal (capitalization), increasing your total debt burden. Our tool helps you isolate this cost for transparent financial planning.
Student Finance FAQs
What is a Grace Period? It is the time (usually study duration + 6-12 months) before your EMI repayment begins.
What is Interest Capitalization? When accrued grace interest is added to the principal, making you pay interest on interest.
Is the PDF bank-ready? Yes. It follows standard amortization logic used by major lenders for comparative analysis.
How does Lump Sum help? Early principal reduction significantly lowers the interest base for all remaining months.