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 the Plan 2 threshold freeze from 2027 affects your monthly repayments.
Plan 2 vs Plan 5
Compare thresholds, interest rates, and total repayments between the two main loan plans.
How Interest Works
Understand the sliding scale, RPI rates, and why your balance can grow even while repaying.
Student Loan & Mortgage
How student loan repayments affect your mortgage affordability and borrowing capacity.
Moving Abroad
What happens to your student loan repayments if you leave the UK.
Self-Employment
How repayments work through Self Assessment for freelancers and the self-employed.