Student Loan Repayment Calculator
Find out how much you repay on your student loan each month for Plan 1, 2, 4, 5 and Postgraduate loans.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
You repay 9% of income above your plan's threshold (6% for Postgraduate Loans). Below the threshold you repay nothing. Interest and the loan balance do not change the monthly amount.
Tips
- Check your tax code on every payslip. 1257L is the standard code for 2025/26; anything else deserves a quick look in your HMRC app.
- Pension contributions and salary sacrifice reduce your taxable pay, which matters most if you're near a band threshold.
- If your income is between £100,000 and £125,140, you lose personal allowance and face an effective 60% marginal rate. Pension contributions can bring it back.
Guides for this calculator
- How to Calculate Student Loan Repayments in the UK: Step-by-Step Guide
- Student Loan Repayments: Common Mistakes, Tips and FAQs
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Frequently asked questions
How does the student Loan Repayment Calculator work?
You repay 9% of income above your plan's threshold (6% for Postgraduate Loans). Below the threshold you repay nothing. Interest and the loan balance do not change the monthly amount.
When does the UK tax year start?
The UK tax year runs from 6 April to 5 April the following year. Most allowances and bands reset on 6 April.
Where can I check the official rates?
GOV.UK publishes all current income tax, National Insurance and student loan rates. Our figures are based on the tax year shown on each calculator.
Is this calculator a substitute for advice?
No. It gives a clear estimate for common situations. For complex cases such as multiple incomes, benefits in kind or residency questions, speak to an accountant or HMRC.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.