Every figure comes straight from the source
Our calculators run on the official figures published by GOV.UK, the Bank of England, and the ONS. An automated job re-checks them every day and refreshes the model whenever a figure changes.
The rates we track
These three market figures feed every interest and present-value calculation on the site. They are the live values in use right now.
Current plan figures
The published thresholds, repayment rates, and write-off periods applied by the model for each UK student loan plan.
| Plan | Annual threshold | Rate | Write-off |
|---|---|---|---|
| Plan 1 | £26,892 | 9% | 25 yrs |
| Plan 2 | £29,376 | 9% | 30 yrs |
| Plan 4 | £33,792 | 9% | 30 yrs |
| Plan 5 | £24,996 | 9% | 40 yrs |
| Postgraduate | £21,000 | 6% | 30 yrs |
How it stays current
The same check runs every day, so the numbers are never left to go stale.
- 01
Read the sources
Every morning an automated job reads the latest figures straight from GOV.UK, the Bank of England, and the ONS.
- 02
Compare against the model
Each figure is checked against what our calculators currently use, down to the exact rate and threshold.
- 03
Prepare the update
If anything has moved, a change is assembled automatically and staged for review.
- 04
Verify, then ship
The update passes a full round of automated checks before it reaches the live calculators.
Cross-check it yourself
You don’t have to take our word for it. Every figure traces back to one of these primary sources.
- GOV.UK(opens in a new tab)
Thresholds and repayment rates
What you pay on each plan
- GOV.UK(opens in a new tab)
Write-off periods
When your loan gets written off
- Bank of England(opens in a new tab)
Bank Rate
Base rate for interest calculations
- ONS(opens in a new tab)
CPI annual rate
Discount rate for present-value figures