Deferred Rent Catchup Calculator

Deferred rent needs a structured catchup plan. This calculator builds a realistic schedule.

Deferred balance

Catchup months

Interest rate

Current monthly rent

Monthly catchup

$2,453

Total monthly burden

$5,653

Total interest

$935

How the math works

Monthly catchup = amortized payment on deferred balance at given rate over catchup months.

Test the total monthly burden against 28-33% of household income (residential) or 8-12% of gross sales (commercial). Catchup plans that push the tenant past those ratios cure at 20-40% — below those, cure rates hit 70%+.

How to Use

Enter total deferred rent balance.
Enter catchup months.
Enter interest rate %.
Enter tenant ability-to-pay surcharge.
Read monthly catchup payment.

Frequently Asked Questions

Catchup period?

3-18 months typical. 3-6 months for transient hardship. 12-18 months for structural business impacts. Longer periods improve cure rate but increase total carry cost and paperwork.

Interest on deferred?

Most agreements accrue interest at 5-10% during deferral (commercial) or 0-5% (residential). No-interest deferrals are cleaner but leave landlord carrying time value. Interest-bearing deferrals discourage stall tactics.

Structure?

Option A: Flat catchup payment on top of current rent (simple). Option B: Balloon at end of term. Option C: Percentage of gross sales (restaurant/retail). A is most enforceable; B invites default; C requires strong reporting infrastructure.

What documentation matters here?

Written leases, move-in/move-out inspections with photographs, ledger entries showing every payment and charge, served notices with proof of service, and contemporaneous emails or texts. Courts weigh written evidence heavily; informal understandings rarely stand. Institutional operators run a monthly file audit to catch gaps before they matter. Good paper trails recover most of what's owed.