UK Student Loan Repayment Calculator

Enter your annual salary (or monthly income) and select your repayment plan to estimate monthly repayments in GBP. Running low, base, and high income scenarios shows how payments change as you earn more, so you can prepare for salary jumps without overspending.

Yes — the loan plan and repayment rules can vary by nation and by when you started your course. Scottish borrowers, for example, often use different plans from those in England and Wales. Selecting the right plan models these differences, though results remain estimates.

A common one is ignoring student loan deductions when comparing job offers and take-home pay. Another is assuming repayments work like normal debt with fixed instalments — they're income-based. Understanding both removes the usual misconceptions.

SLC rules set the thresholds, interest mechanics, and when repayments are taken through payroll. This tool follows standard repayment logic but isn't affiliated with the SLC, so check your SLC account directly for official balances and plan details.

Student loan interest can change over time based on government rules and broader rate conditions. Even when monthly deductions are income-based, the balance can still grow or shrink differently because of interest — the estimate shows the repayment impact, but future rates are uncertain.