Worried about paying back your student loan?

Most people don’t even know which plan they’re on — and it could cost them thousands.

Use this quick calculator to find out exactly how much you’ll repay (to avoid overpaying)

STUDENT LOAN REPAYMENT CALCULATOR

💡 Find out how much you’ll really repay based on your income — no guesswork.
£
Enter total gross income, before tax or deductions.

Calculation Result

Notes:
  • You only repay if your income is above the threshold.
  • If income drops below the threshold, repayments stop automatically.
  • If employed, repayments are deducted via PAYE.
  • If self-employed, repayments are handled through Self Assessment.

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Student Loan Repayment Calculator – Plan 1, 2, 4, 5 & Postgraduate

What This Calculator Does

This free Student Loan Repayment Calculator helps you understand what you’ll pay — and when. Whether you’re a current student or a graduate, it shows your monthly repayments and how long you might be repaying, depending on:

  • Your repayment plan (Plan 1, 2, 4, 5 or Postgraduate Loan)
  • Your income (from any source: job, self-employment, etc.)
  • Your repayment threshold
  • The interest rate that applies to your loan
  • Covers all UK student loan plans
  • Instant monthly repayment estimate
  • Works with multiple plans at once (e.g. Plan 2 + PG Loan)
  • Updated for 2025–2026 thresholds and interest rules
books with money
books with money

How the Calculator Works

This tool uses your income and plan type to determine:

  • Whether you're above the repayment threshold
  • What percentage of your income you’ll repay
  • How much that equals per month
  • How repayments change if your income goes up or down

You don’t need to enter exact loan balances — this tool focuses on your repayment flow, not total debt.

Which Plans Are Supported?

Plan Type
Usually Applies To...
Repayment Threshold (2025) Rate
Plan 1
Students who started before 2012
£26,065 9%
Plan 2
Students in England/Wales (2012-2022)
£28,470 9%
Plan 4
Students in Scotland
£32,745 9%
Plan 5
Students starting from 2023 in England
£25,000 9%
Postgraduate Loan Master's or Doctoral Loan holders
£21,000 6%
✓ If you have more than one plan, the calculator shows a combined repayment total.

Frequently asked questions

No. Repayments are based on your income, not your loan balance.
The calculator handles this — it shows both repayments separately and combined.
Your repayments automatically stop if your income drops below the plan threshold. The calculator reflects that.
They’re taken monthly via your salary (PAYE) or annually if you’re self-employed.
Yes — each plan has its own interest rules. This calculator doesn’t show interest buildup, only what you’ll repay monthly.

No — but here are the current write-off rules:
• Plan 1: 25–30 years after you become eligible to repay
• Plan 2: 30 years
• Plan 4: 30 years
• Plan 5: 40 years
• Postgraduate: 30 years

No — this is a free public tool built by Enrollmate, to make Student Finance easier to understand, based on official thresholds and repayment rules.

  • You’re about to graduate and want to understand how much will come off your payslip
  • You’re earning more and wondering how it affects your repayments
  • You’re applying for a mortgage and want to budget properly
  • You’re planning to start a Master's and want to see how PG Loan repayments work
  • You're planning to go to university and want to understand how repayment works.