United Kingdom version
How it works
Estimate income-contingent repayments from 2026/27 plan thresholds. Balance, interest accrual and write-off rules are not reduced to an ordinary amortizing loan.
This is the United Kingdom planning view, with monetary inputs and outputs in GBP. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
5-
?income=Annual repayment incomeMoney · Required · Default: 40,000
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?plan=Undergraduate planChoice · Required · Default: 2 · Accepted values: 1, 2, 4, 5
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?postgraduate=Also repay a postgraduate loanTrue or false · Optional · Default: false
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?remaining=Remaining undergraduate balanceMoney · Required · Default: 30,000
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?postgraduateBalance=Remaining postgraduate balanceMoney · Required · Default: 10,000
Outputs
4-
undergradAnnual undergraduate repayment estimateCurrency · Currency: GBP
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postgradAnnual postgraduate repayment estimateCurrency · Currency: GBP
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annualCombined annual estimateCurrency · Primary output · Currency: GBP
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monthlyEquivalent monthly estimateCurrency · Currency: GBP
Formula
Annual repayment = max(0, income − plan threshold) × repayment rate, limited here to entered outstanding balance; postgraduate repayment is additional.
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Annual repayment income: Enter the quantity described by the label.
- Undergraduate plan: Enter the quantity described by the label.
- Also repay a postgraduate loan: Enter the quantity described by the label. Leave this unconfirmed until you have actually checked the required condition.
- Remaining undergraduate balance: Enter the quantity described by the label.
- Remaining postgraduate balance: Enter the quantity described by the label.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
| Input | Example value |
|---|---|
| Annual repayment income | 40,000 |
| Undergraduate plan | 2 |
| Also repay a postgraduate loan | false |
| Remaining undergraduate balance | 30,000 |
| Remaining postgraduate balance | 10,000 |
| Output | Calculated result |
|---|---|
| Annual undergraduate repayment estimate | GBP 955.35 |
| Annual postgraduate repayment estimate | GBP 0 |
| Combined annual estimate | GBP 955.35 |
| Equivalent monthly estimate | GBP 79.6125 |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result.
- Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
- Tax year 2026/27. This annual income estimate does not reproduce weekly/monthly payroll rounding, multiple undergraduate-plan allocation, interest, cancellation dates or overseas thresholds. Balance caps assume no additional interest during the modeled year.
Frequently asked questions
What does this UK Student Loan Repayment result represent?
Estimate income-contingent repayments from 2026/27 plan thresholds. Balance, interest accrual and write-off rules are not reduced to an ordinary amortizing loan. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified United Kingdom prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is GBP; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
Planning calculation, not a tax return, benefit decision, credit approval or legal opinion. No eligibility is inferred from a numeric result. Only the stated tax year and expressly supported rule components are included. Entered amounts require independent verification.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- UK income authority — retrieved 2026-09-24. Use only the expressly supported schedule components; this link does not validate unrelated taxes.
- Student loan repayment thresholds — retrieved 2026-09-24. 2026/27 annual repayment arithmetic; period-based payroll deductions can differ.
- Student loan cancellation rules — retrieved 2026-09-24. Date-dependent write-off references; the calculator is not a future interest/write-off forecast.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.