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UK Student Loan Repayment Calculator
UK student loan repayments are based on income above the repayment threshold for your plan, not on the total balance you owe. This calculator estimates the payroll-style repayment amount for Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans using the current tax-year thresholds already used by the salary calculator.
Choose an annual, monthly, or weekly income and the repayment plan that applies to you. The calculator normalizes the income to an annual figure, subtracts the selected plan threshold, and applies the plan repayment percentage only to the income above that threshold.
This is useful for quickly separating student-loan deductions from the rest of a take-home-pay estimate, or for comparing how different plans behave at the same income level. It does not model loan balances, interest added to the loan account, write-off dates, voluntary repayments, or whether a specific loan should be repaid early. For those decisions, use official Student Loans Company information or qualified financial advice.
- Enter your gross income and choose whether it is annual, monthly, or weekly.
- Select your student loan plan: Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate.
- Read the estimated annual, monthly, and weekly repayment plus the threshold explanation.
- Estimated annual repayment
- £505.35
- Estimated monthly repayment
- £42.11
- Estimated weekly repayment
- £9.72
Plan 2 repayments for tax year 2026/27 are estimated at 9% of income above £29,385.00 a year.
Your normalized annual income is £35,000.00, so £5,615.00 is above the selected threshold.
Methodology and sources
Last reviewed:
The calculator annualizes the income entered, subtracts the selected student-loan plan threshold, and applies that plan repayment rate to income above the threshold. Income below the threshold produces a zero repayment estimate.
Plan thresholds and rates are imported from the same 2026/27 GOV.UK-sourced constants used by the UK take-home salary calculator, so both tools stay aligned.
Assumptions
- This estimates repayment from employment income only and does not model self-assessment rounding, bonuses with irregular timing, refunds, arrears, or employer payroll timing.
- It does not calculate loan interest, outstanding balance, write-off date, or whether making voluntary repayments is beneficial.
- If multiple plans apply, calculate each plan separately or use the take-home salary calculator for a combined payroll estimate.
Student loan repayment results are estimates for guidance only. Your payroll, Student Loans Company account, and HMRC records may apply details not captured here.
Spot a methodology issue? Send a correction.
Frequently asked questions
Which student loan plans are supported?
Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans are supported using the current tax-year thresholds in the calculator data.
Is repayment based on my total student loan balance?
No. Payroll repayments are based on income above your plan threshold. This calculator does not model the balance, interest, or write-off date.
Can this handle more than one student loan plan at once?
This focused calculator estimates one selected plan at a time. Use the UK take-home salary calculator if you want to combine multiple plan deductions with tax, National Insurance, and pension inputs.
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