{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/uk/student-loan/schema.json",
  "title": "UK Student Loan Repayment Calculator — United Kingdom inputs",
  "description": "Estimate income-contingent repayments from 2026/27 plan thresholds. Balance, interest accrual and write-off rules are not reduced to an ordinary amortizing loan. GBP planning view; stated limitations apply.",
  "type": "object",
  "properties": {
    "income": {
      "title": "Annual repayment income",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 40000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "GBP",
      "x-unit": "currency"
    },
    "plan": {
      "title": "Undergraduate plan",
      "type": "string",
      "default": "2",
      "enum": [
        "1",
        "2",
        "4",
        "5"
      ],
      "x-optionLabels": {
        "1": "Plan 1",
        "2": "Plan 2",
        "4": "Plan 4",
        "5": "Plan 5"
      }
    },
    "postgraduate": {
      "title": "Also repay a postgraduate loan",
      "type": "boolean",
      "default": false
    },
    "remaining": {
      "title": "Remaining undergraduate balance",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 30000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "GBP",
      "x-unit": "currency"
    },
    "postgraduateBalance": {
      "title": "Remaining postgraduate balance",
      "type": "number",
      "description": "Illustrative starting value; replace with your own evidence.",
      "default": 10000,
      "minimum": 0,
      "maximum": 1000000000000,
      "x-step": 0.01,
      "x-prefix": "GBP",
      "x-unit": "currency"
    }
  },
  "required": [
    "income",
    "plan",
    "remaining",
    "postgraduateBalance"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.16.0",
    "calculatorUrl": "https://askcalculators.com/uk/student-loan/",
    "queryExample": "https://askcalculators.com/uk/student-loan/?income=40000&plan=2&postgraduate=0&remaining=30000&postgraduateBalance=10000",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "Annual repayment = max(0, income − plan threshold) × repayment rate, limited here to entered outstanding balance; postgraduate repayment is additional.",
      "note": "Inputs are converted to canonical units before evaluating this stated formula."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/v20-uk-student-loan.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "20.16.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "undergrad": {
        "title": "Annual undergraduate repayment estimate",
        "type": "number",
        "x-format": "currency",
        "x-currency": "GBP",
        "x-digits": 2
      },
      "postgrad": {
        "title": "Annual postgraduate repayment estimate",
        "type": "number",
        "x-format": "currency",
        "x-currency": "GBP",
        "x-digits": 2
      },
      "annual": {
        "title": "Combined annual estimate",
        "type": "number",
        "x-format": "currency",
        "x-currency": "GBP",
        "x-digits": 2,
        "x-primary": true
      },
      "monthly": {
        "title": "Equivalent monthly estimate",
        "type": "number",
        "x-format": "currency",
        "x-currency": "GBP",
        "x-digits": 2
      }
    }
  }
}