Student Loan Repayment Calculator (UK)
What you'll repay monthly on Plan 1, 2, 4, 5 or postgraduate loans.
✓ 2025/26 thresholds · updated June 2026
You repay 9% of income above £28,470 — that's 9% of £6,530. 2025/26thresholds; repayments are taken through PAYE before you're paid.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Pick your loan plan and enter your salary to see what you actually repay: 9% of income above your plan's threshold (6% for postgraduate loans), taken automatically through PAYE. The 2025/26 thresholds are built in — Plan 1 £26,065, Plan 2 £28,470, Plan 4 £32,745, Plan 5 £25,000, postgraduate £21,000.
How to use the Student Loan Repayment Calculator
- Enter your gross annual salary.
- Choose your plan (your loan paperwork or the SLC portal confirms which).
- Read your monthly and annual repayment and the threshold that applies.
Frequently asked questions
Which student loan plan am I on?
England/Wales before 2012: Plan 1. England/Wales 2012–2023: Plan 2. Scotland: Plan 4. England from August 2023: Plan 5. Master's/doctoral loans: postgraduate plan. Check your online SLC account if unsure.
Do I repay anything below the threshold?
No. Repayments are only taken on the part of your income above your plan's threshold — earn below it and you pay nothing, and repayments pause automatically if your income drops.
Can I repay more than one loan at once?
Yes — an undergraduate plan and a postgraduate loan repay simultaneously (9% + 6% on income above each threshold), which this calculator shows one plan at a time.