Student Loan Calculator
Calculate your student loan with grace period and interest capitalization options.
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Grace period
During the grace period you don't make payments, but interest may be added to the principal (capitalization).
Monthly payment
€ 0,00
Balance after grace
€ 0
Interest during grace
€ 0
Total interest
€ 0
Total cost
€ 0
Grace period impact
Original loan
€30.000
After grace period
€30.834,511
Capitalized interest adds €834.51 to your debt
Cost breakdown
Loan timeline
Loan start
€30.000
Grace period ends
6 months - €30.834,511
Loan paid off
126 months - €40.156,257 paid in total
What is a student loan?
Financing for university or postgraduate studies. Usually has lower interest rates and grace periods while you study.
The grace period
Time after graduation where you don't make payments. Interest may capitalize (add to principal) or be paid separately.
Repayment options
Standard, graduated (increasing payments), or income-based plans exist. Some loans allow forgiveness after years of public service.