UK Student Loan Calculator
Loan Details
Enter your salary and loan information
Loan plan
Using 2025/26 Plan 2 rules
Salary projection, voluntary repayments, and official 2025/26 values. Change these for different scenarios.
Salary projection
Appearance
Monthly payment: £49. Payoff: Written off April 2055.
Monthly Payment
£49Outcome
Loan written off: April 205529 years and 2 months
Total Paid
£17,092Amount Written Off
£116,982April 2055
Minimum salary to reduce loan
£65,600Salary at which repayments start reducing the balance
Key Insights
- You'll repay 38% of your loan (£17,092) before £116,982 is written off in April 2055.
- At your salary, the projection shows your loan being written off regardless of additional repayments.
- Your loan is currently growing — monthly interest (£156) exceeds your repayment (£49).
Monthly payslip
Gross Monthly£2,917
Income Tax−£374
National Insurance−£150
Student Loan(1.7% of gross)−£49
Take-Home£2,344
Tax & NILoanTake-home
What-If Comparison
Drag the slider to compare a different salary against your current one. What-If uses mandatory repayments only (no overpayment).
£35,000
£0£200,000
Your Salary
What-If
Salary
£35,000
£35,000
Monthly
£49
£49
Payoff Time
Written off April 2055
Written off April 2055
Total Paid
£17,092
£17,092
Frequently Asked Questions
Monthly
£49
Payoff
Write-off April 2055
Total cost
£17,092