SBA & EIDL
EIDL Statement-To-Maturity Repayment Planner
Project an EIDL balance from current principal and unpaid interest, including a potential maturity balloon.
How to use this calculator
- Gather current principal; accrued interest; actual payment; rate; maturity. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review projected balloon; accrued interest; payment needed to finish. Open the breakdown and export a copy for discussion.
How the calculation works
Daily simple interest accrues on principal at the entered note rate using actual days and a 365-day denominator. Monthly payments first reduce unpaid interest, then principal. A numerical search finds the level payment that clears both by maturity.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Projected maturity balance
- $55,039.92
- Level payment to clear by maturity
- $843.82
- Interest accrued in projection
- $109,339.92
- Payments made in projection
- $219,300.00
Questions about the results
What does this tool include?
Project an EIDL balance from current principal and unpaid interest, including a potential maturity balloon. Daily simple interest accrues on principal at the entered note rate using actual days and a 365-day denominator. Monthly payments first reduce unpaid interest, then principal. A numerical search finds the level payment that clears both by maturity.
What should I verify before relying on the result?
This is a statement-based projection, not an SBA payoff quote. Payment dates, fees, allocation and servicing adjustments can differ. Confirm figures in the SBA Loan Portal.
What this result does and does not tell you
This is a statement-based projection, not an SBA payoff quote. Payment dates, fees, allocation and servicing adjustments can differ. Confirm figures in the SBA Loan Portal.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.