Student Loan Repayment Calculator
Work out exactly how much comes off your pay for your student loan — by plan type, with postgraduate loans stacked on top, and every plan compared side by side if you’re not sure which one you’re on.
Start here
How to use this calculator
Enter your salary, pick your plan, and tick the postgraduate box if it applies to you.
Enter your annual salary
Your gross salary before any deductions.
Pick your plan type
Not sure which one? Use the comparison table below — it shows what every plan would deduct at your salary.
Add a postgraduate loan if you have one
Postgraduate loans are repaid separately, on top of any Plan 1/2/4/5 loan, at a different threshold and rate.
Why it matters
How student loan repayments actually work
UK student loan repayments aren’t based on how much you owe — they’re based purely on how much you earn. Once your income goes above your plan’s repayment threshold, 9% of everything above that threshold (6% for postgraduate loans) is deducted automatically through your payslip, the same way tax and National Insurance are. Earn less than the threshold in a given period and nothing is deducted, even if you owe tens of thousands of pounds.
Which plan you’re on depends on when and where you started your course, not on your current job or income. If you have both an undergraduate loan (Plan 1, 2, 4 or 5) and a postgraduate loan, both are repaid at the same time from the same payslip — deducted independently against their own thresholds.
Compare plans
What each plan would deduct, at this salary
Based on the salary you entered above, here’s what the annual deduction would be under every plan type — useful if you’re not certain which plan you’re on.
| Plan | Threshold | Rate | Annual repayment | Monthly |
|---|
Questions
Common questions
How do I know which student loan plan I’m on?
It depends on where you’re from and when your course started. Broadly: Plan 1 covers most English and Welsh students who started before September 2012 (and all Northern Ireland students); Plan 2 covers English and Welsh students who started between 2012 and 2023; Plan 5 covers English students who started from August 2023 onward; Plan 4 covers Scottish students. Your exact plan is shown on your Student Finance / SLC account, and your employer’s payroll should already have it recorded from your Starter Checklist.
Can I have more than one student loan plan at once?
You can be repaying an undergraduate plan (1, 2, 4 or 5) and a postgraduate loan at the same time, but not two undergraduate plans simultaneously. This calculator lets you combine one undergraduate plan with a postgraduate loan, since that’s the common case.
Does a pay rise or bonus affect my student loan repayment?
Yes — because repayments are 9% (or 6% for postgraduate) of everything above the threshold, any increase in pay above that threshold increases your repayment in the same pay period. See our Pay Rise Calculator or Bonus Tax Calculator to see the combined effect of tax, National Insurance and student loan together.
Does this calculator tell me how much I still owe, or when my loan is written off?
No — this tool only calculates your repayment deduction based on your current salary. Your outstanding balance, interest rate and write-off date are specific to your loan and shown on your Student Finance / SLC online account, not something this calculator estimates.
Is the repayment taken before or after tax?
Student loan repayments are calculated on your gross pay above the threshold, deducted alongside tax and National Insurance in the same pay run — it isn’t affected by pension contributions unless you use salary sacrifice, which reduces your gross pay and therefore can reduce the repayment too.
Where these figures come from. Student loan repayment thresholds and rates are taken from gov.uk / Student Loans Company guidance for the 2026/27 tax year. All figures were checked on 23 September 2026.
Repaying your student loan (gov.uk) · What you pay
How we calculate · Editorial policy. This is general information, not financial advice.