Student Loan Repayment Calculator
Middle earners pay the most on UK student loans. See where you fall.
- Low earners get their loans written off.
- High earners pay them off quickly.
- Middle earners pay the most in total - and the most interest.
Pick a scenario that matches you
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Total repayment
Your salary: £40,000
How Long to Pay Off Your Student Loan
Based on 4% salary growth, frozen thresholds, and 3.2% RPI.
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Guides
Plan 2 vs Plan 5
Compare thresholds, interest rates, and total repayments between the two main loan plans.
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How Interest Works
Understand the sliding scale, RPI rates, and why your balance can grow even while repaying.
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Student Loan & Mortgage
How student loan repayments affect your mortgage affordability and borrowing capacity.
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RPI vs CPI
Why your loan interest outpaces inflation and what ‘adjusted for inflation’ really means.
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Moving Abroad
What happens to your student loan repayments if you leave the UK.
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Self-Employment
How repayments work through Self Assessment for freelancers and the self-employed.
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