Student Loan (Plan 4)
£0 per month
£0 annually
Based on gross annual income of £30,000 and a repayment threshold of £33,795.
£30,000 Plan 4 Student Loan Calculator
On £30,000 income, your estimated Plan 4 student loan repayment is £0.00 per month, or £0.00 per year, for the 2026/27 tax year.
Update your figuresYour Student Loan Results
Income Above Threshold
£09% repayment rate
Take Home Pay
£2,093.30per month after deductions
Student Loan Breakdown (Annual)
| Description | Annual | Monthly |
|---|---|---|
| Gross Income | £30,000 | £2,500 |
| Student Loan (Plan 4) Threshold | £33,795 | £2,816.25 |
| Income Above Threshold | £0 | £0 |
| Estimated Student Loan Repayment | -£0 | -£0 |
| Take Home Pay After Deductions | £25,119.60 | £2,093.30 |
What this means
With Student Loan (Plan 4), repayments are estimated at 9% of income above the annual threshold of £33,795. On the figures entered, that gives an estimated repayment of £0 per month.
This estimate is based on income for the 2026/27 tax year. Your exact payroll deductions can vary depending on pay period, payroll rounding and your wider circumstances.
Figures are estimates. Please check our disclaimer.
Ways to keep more of your money
Personalised ideas based on the figures you entered.
Smart insight Boost your pension without losing the full amount
Increasing your pension from 0% to 2% could put £50/month more into your pension, while your take-home may only drop by £40/month.
- Extra into pension
- £50/mo
- Take-home change
- -£40/mo
- Tax and NI change
- -£10/mo
These insights are illustrative examples only and not tax advice. Please read our full disclaimer
Popular Student Loan Examples
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Student Loan Calculator FAQs
How much student loan do I repay on £30,000?
On a £30,000 income, your estimated Plan 4 repayment is £0 per year, or £0 per month, for the 2026/2027 tax year.
How is Plan 4 student loan calculated on £30,000?
Plan 4 repayments are based on income above the plan’s repayment threshold. The calculator estimates the repayment using your selected income, tax year and employment settings.
Does a student loan reduce take-home pay on £30,000?
Yes. If your income is above the repayment threshold, student loan repayments reduce your take-home pay. With the selected settings, estimated take-home pay is £25,119.60 per year.
Is the student loan repayment on £30,000 taken before or after tax?
Student loan repayments are normally calculated from income above the relevant threshold and sit alongside Income Tax and National Insurance deductions. They are not the same as Income Tax.
Why might my Plan 4 repayment differ from my payslip?
Payroll systems can calculate deductions by pay period and round figures differently. This calculator gives an annual estimate and monthly equivalent, so your exact payslip may vary.
Understanding UK student loan repayments
UK student loan repayments depend on your repayment plan, your income and the tax year. You usually only repay when your income is above the threshold for your plan, and repayments are based on the amount above that threshold rather than your full salary.
Plan 1, Plan 2, Plan 4 and Plan 5
Plans 1, 2, 4 and 5 use different repayment thresholds, but the repayment rate is normally 9% of income above the relevant threshold. Choosing the correct plan is important because the threshold can change the amount deducted each month.
Postgraduate Loans
Postgraduate Loans use a lower repayment threshold and a 6% repayment rate. If you have both an undergraduate student loan and a Postgraduate Loan, you may repay both at the same time.
Student loans and take-home pay
Student loan deductions sit alongside Income Tax, National Insurance and pension contributions. This calculator shows both your estimated repayment and your estimated take-home pay after deductions.
Read our full guide to student loan repayments →