Thirtyish

Student loan repayment calculator

Don't let your student loan keep you up at night.

First — which plan are you on?

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

The year you started studying — not the year you graduated.

Know your numbers

This is the balance on your student loan account — the big scary number that worries you. An approximation in this field is fine.

This will be the April after you graduated irrespective of your salary at that point - even if you haven't found a job by that point as well. This April date will start the clock that determines when your loan is written off.

Pay rises fastest in your twenties and flattens after about forty, so your age changes the calculator's answer more than almost anything else here — by up to three times.

Fill in the boxes above and the answer appears here.

What I assumed

Change the small print

Drives the interest rate and how the thresholds rise.

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 retained for nefarious purposes.

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 all 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.