Student loan repayment calculator

You're thirtyish and your student loan is keeping you up at night.

First — which plan are you on?

Most people have no idea, and it isn't your fault: the names are a mess. Two questions settle it.

Where did you study?

What year did your course start? The year you started studying — not the year you graduated.

Now your numbers

What do you owe today? Drag to set what you owe The balance on your student loan account — the big number that worried you. Near enough is fine.

What do you earn a year, before tax? Drag to set what you earn

What year did you start repaying? The April money first came out of your pay — usually the April after you finished. This sets your write-off date and nothing else.

What year were you born? Pay rises fastest in your twenties and flattens after about forty, so your age changes this answer more than almost anything else here — by up to three times. There's no way to skip it and get an honest number.

Fill in the boxes above and the answer appears here.

What I assumed

Change the small print

Inflation (RPI) each year Drives the interest rate and how the thresholds rise.

Bank of England base rate Only affects Plans 1 and 4.

The full list, including the ones I can't let you change, is on assumptions and limitations.

Nothing here is stored

Your salary, your balance and your answer never leave this browser tab. There's no account, no sign-in and no analytics. Close the tab and it's gone — I couldn't tell you what you typed if you asked me to.

You don't have to take my word for it. Open your browser's developer tools, go to the Network tab, and use the calculator: nothing goes out, because the sums happen on your phone.

I can't tell you what to do about your own loan. I don't know your situation, and this is information rather than advice.

Thresholds and rates are the 2026/27 ones, from GOV.UK and the House of Commons Library. They change every April.