UK Student Finance
UK Student Loan Repayment Calculator 2026/27
UK student loan repayments are income-contingent: you repay a percentage of income above the threshold for your plan. This calculator estimates the monthly and annual repayment for the plan and income you enter.
Official Standards & Rule Matrix
PlansPlan 1, Plan 2, Plan 4, Plan 5 and postgraduate loans
Thresholds2026/27 thresholds built into the tool
BasisIncome above the threshold, not the total balance
ScopeEstimate only; your statement controls the balance
How to use this tool
- Select your repayment plan.
- Enter your annual income before tax.
- Review the estimated monthly and annual repayment.
- Check your Student Loans Company statement for the actual balance and plan.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Do I repay based on my loan balance?
- No. Repayments are based on income above the threshold for your plan, not on the outstanding balance. A higher balance does not automatically mean a higher monthly payment.
- What if I earn below the threshold?
- If your income is below the repayment threshold for your plan, the repayment is generally zero for that period.
- Can I repay early?
- You can make voluntary repayments, but check whether early repayment is financially sensible. Many balances are written off after the repayment period.
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