Student Loan Calculator 2025/26

Use our UK student loan calculator to estimate student loan repayments for the 2025/26 tax year. See how much could be deducted from your pay and how student loan repayments affect your take-home income.

Plan 5 applies to many English undergraduate loans for courses started from August 2023.

Employment type, tax code and pension contributions.

All calculations are estimates based on the latest student loan repayment thresholds.

Check other repayment plans and related take-home pay estimates.

Plan 1 Calculator Compare repayments on £35,000 income. Plan 4 Calculator Compare repayments on £35,000 income. Plan 5 Calculator Compare repayments on £35,000 income. Postgraduate Loan Calculator Compare repayments on £35,000 income. £35,000 Salary Calculator See full take-home pay after tax, NI and deductions.

Plan 2 examples

£30k Plan 2 £50k Plan 2 £75k Plan 2

Other plans

Plan 1 Plan 4 Plan 5 Postgraduate

Student Loan Calculator FAQs

How are student loan repayments calculated?

Student loan repayments are usually calculated as a percentage of income above the repayment threshold for your plan. Plans 1, 2, 4 and 5 normally use a 9% repayment rate, while Postgraduate Loans use 6%.

Which student loan plans does this calculator support?

This calculator supports Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loans. Select the plan that applies to your loan to see the relevant threshold and estimated repayment.

Does my student loan affect my take-home pay?

Yes. If your income is above the threshold for your plan, repayments are usually deducted from your pay or included in your Self Assessment calculation, reducing your take-home pay.

Why is my repayment different from my payslip?

Payroll systems may calculate deductions by pay period and round figures differently. This calculator gives an annual estimate and then shows monthly equivalents.

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 →
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