SBA & EIDL
EIDL Reduced Payment and Balloon Calculator
Compare a reduced-payment period with regular payments, including the effect on the balance at maturity.
How to use this calculator
- Gather your contract and statement figures. 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 the scenario result and supporting breakdown. Open the breakdown and export a copy for discussion.
How the calculation works
Run two daily-simple-interest schedules from the same statement: regular payments throughout, and the entered reduced payments for the relief period followed by regular payments. Compare cash relief and maturity balances.
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.
- Maturity balance with reduced payments
- $59,651.10
- Increase in maturity balance
- $4,611.18
- Scheduled cash relief during reduced period
- $2,193.00
- Maturity balance with regular payments
- $55,039.92
Questions about the results
What does this tool include?
Compare a reduced-payment period with regular payments, including the effect on the balance at maturity. Run two daily-simple-interest schedules from the same statement: regular payments throughout, and the entered reduced payments for the relief period followed by regular payments. Compare cash relief and maturity balances.
What should I verify before relying on the result?
An entered scenario is not an approval. SBA payment assistance does not waive accruing interest. Confirm current eligibility, actual payment dates and approved terms in the SBA Loan Portal.
What this result does and does not tell you
An entered scenario is not an approval. SBA payment assistance does not waive accruing interest. Confirm current eligibility, actual payment dates and approved terms in the SBA Loan Portal.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.