Student Loan Repayment Calculator
Middle earners pay the most on UK student loans. See where you fall.
Total repayment by salary
This chart shows total UK student loan repayment amounts across different salary levels. Middle earners typically pay the most in total, while lower earners benefit from loan write-off after the repayment term ends.
Pick a scenario that matches you
Based on 4% salary growth, frozen then +2%/yr thresholds, and 3.2% RPI.
More Tools
Guides
Threshold Freeze ExplainedNew
How frozen repayment thresholds cost you more each month, and what the 2026 parliamentary inquiry means.
Plan 2 vs Plan 5
Compare lifetime repayment costs for pre- and post-2023 loans side by side.
How Interest Works
RPI, sliding scales, and why your balance can grow despite repayments.
Student Loans & Mortgages
How lenders factor student loan repayments into your borrowing capacity.
Moving Abroad
Country-specific thresholds, SLC obligations, and what happens if you don’t comply.
Self-Employment
How Self Assessment changes your repayments and common mistakes to avoid.