UK Student Loan Repayment Calculator
Calculate your UK student loan repayment online for free from your salary and loan plan (Plan 1, 2, 4, 5 or Postgraduate). Runs entirely in your browser — nothing you enter is uploaded.
2025/26 repayment thresholds. If you have both an undergraduate and postgraduate loan, each is repaid simultaneously against its own threshold — this calculator handles one plan at a time.
How to use uk student loan repayment calculator
- Enter your salary and loan plan
Your gross annual salary and which repayment plan you're on.
- Calculate
See your annual and monthly student loan repayment.
Features
Rates and thresholds are inputs you can change, not hidden constants.
Calculates locally with no sign-up or server request.
Your financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
How do I know which plan I'm on?
It depends on where you lived when you started your course and when you started it — Plan 1 (pre-2012 England/Wales, or Northern Ireland), Plan 2 (2012-2023 England/Wales), Plan 4 (Scotland), Plan 5 (2023 onward England/Wales), or a Postgraduate Loan. Check your Student Loans Company account if unsure.
What if my income is below the threshold?
You repay nothing — repayments only apply to income above your plan's threshold.