Disclaimer
What should I do with the result?
A repayment estimate is one input to a decision. Compare loan scenarios with your other financial priorities, using the assumptions shown.
If your loan is likely to be written off
If your loan may be written off, an extra payment might not reduce the amount you repay. Compare scenarios using your loan terms and chosen assumptions.
Read the overpayment guide →If you are on track to repay in full
Overpayments may save interest, but the saving should be compared with pension relief, savings rates, and other debts.
Model overpayments →If you have spare monthly cash
Compare the loan with alternatives. Ordinary pension contributions and pension salary sacrifice affect student loan deductions differently.
Compare pensions →Calculators for Common Tasks
Choose a calculator for a plan estimate, combined loans, salary changes, total cost or voluntary overpayments.
Student Finance for the 2026/27 Academic Year
Before you worry about repayments, find out how much student finance you're entitled to. Maintenance loans depend on your household income and where you'll be studying.
Student Finance 2026/27 confirmed rates
Studying in 2026/27? See confirmed maintenance loan and tuition fee rates.
View 2026/27 rates →Confirmed maintenance loan and tuition fee rates for September 2026 starters.
Read guide →How household income affects your loan. Check maintenance loan rates and eligibility.
Read guide →Complete guide to tuition fees, maintenance loans and what to expect.
Read guide →England: 2026/27 ordinary maximum Maintenance Loan
2026/27 academic year
£9,118
At home
£10,830
Away, outside London
£14,135
London
These are means-tested England figures for students not eligible for benefits. Higher special maximums may apply for some benefit recipients; your maintenance loan depends on eligibility and household circumstances —learn more.
Why Use Our Student Loan Repayment Calculator?
We help you understand your student loan in practical terms, not just monthly payments. Use the calculator to model realistic scenarios and make decisions about overpayments, pensions and long term planning.
Find repayment explanations and estimates for supported UK plan types and funding authorities.
Shared repayment figures are checked against official sources from SLC, Student Finance England and HMRC.
Guidance distinguishes the UK nations, funding authorities and plan rules where they differ.
Annual projections show how your balance evolves with interest, salary growth and voluntary payments.
No account is needed. Calculator inputs are sent to our server to produce an estimate. Read the privacy policy for data handling details.
Model overpayments, career breaks, pension contributions and different wage growth scenarios.
Choose Your Student Loan Plan
Choose a plan-specific calculator to model repayments with the inputs and assumptions shown. Check your SLC account if you are unsure which plan applies.
Eligible older English and Welsh loans, and Northern Ireland loans
Eligible English cohorts from 2012 to July 2023; eligible Welsh cohorts from 2012
If you applied to Student Awards Agency Scotland You’re on Plan 4, whether you studied an undergraduate course or a postgraduate course.
Eligible English undergraduate courses starting from August 2023
England and Wales Postgraduate Loans (repayment Plan 3)
Understanding Student Finance Repayments
Our comprehensive guides help you make informed decisions about your student loan repayments.
Everything you need to know about UK student loan repayments, thresholds, and write-off periods.
Read guide →How maternity pay and statutory payments affect student loan deductions and what to expect during leave.
Read guide →Should you make voluntary overpayments? We break down when it makes sense and when to avoid it.
Read guide →Which Student Loan Plan am I on?
Not sure which plan you’re on? Use the Plan Finder or browse short comparisons to discover which rules apply to your loan.
Use your funding authority and course history to identify a likely plan; confirm it with SLC.
Read guide →A high-level summary of Plan 1, Plan 2, Plan 4 and Plan 5, including thresholds, write-off rules and key differences.
Read guide →Compare thresholds, interest rules, and write-off periods to see how repayments differ.
Read guide →Frequently Asked Questions
How much will I repay on my student loan each month?▼
Repayments depend on your plan and income above its threshold. At a £35,000 salary in 2026/27, an annualised estimate is £42 a month for Plan 2 or £75 a month for Plan 5; actual payroll deductions depend on your pay period.
Which student loan plan am I on?▼
Your plan depends on the finance authority, course and start date. For example, eligible borrowers who applied through SAAS are generally on Plan 4; check your Student Loans Company account if you are unsure.
When do I start repaying my student loan?▼
Most income-contingent loans are repaid from the April after you finish or leave your course, when your earnings are above the relevant threshold. In 2026/27, the annual thresholds are £29,385 for Plan 2 and £25,000 for Plan 5.
Do most people pay off their student loan in the UK?▼
There is no single outcome for all borrowers. Whether you repay in full depends on your plan, starting balance and income over time; government forecasts describe particular cohorts and are not personal predictions.
Should I make voluntary overpayments on my student loan?▼
An overpayment saves money only if it reduces what you would otherwise repay overall. Compare that result with keeping the money for other needs or uses, and remember that voluntary extra repayments generally cannot be refunded.
How do pension contributions affect student loan repayments?▼
Only a pension arrangement that reduces the earnings used for student loan deductions, such as salary sacrifice, reduces that repayment pay basis. Ordinary pension contributions taken from pay after gross earnings are calculated do not usually reduce it.
What happens to my student loan if I move abroad?▼
If you live outside the UK, tell the Student Loans Company and provide the income details it requests. Your repayment assessment depends on your plan and the rules for the country where you live.
Explore guides & resources
How student loans work
A clear explainer of thresholds, repayments, and write-off rules.
Learn more →Repayment thresholds
See how and when thresholds change and what they mean for your repayments.
Learn more →Interest rates explained
Understand how RPI, margins and caps affect your loan interest.
Learn more →Is overpaying worth it?
Model whether voluntary payments make financial sense for you.
Learn more →Multiple jobs & repayments
How repayments work if you have PAYE and self-employed income, or multiple roles.
Learn more →Moving abroad
What to do if you move overseas, including registration, payments and thresholds.
Learn more →