Student Loan Repayment Calculator UK
Calculate your UK student loan repayments for the 2025/26 tax year. See your monthly and annual repayments for Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans using official Student Loans Company thresholds.
2025/26 tax year — Official SLC repayment thresholds
Calculate Your Student Loan Repayments
Your annual income before tax
Enter your income as annual, monthly, or weekly — results always show all periods.
English and Welsh students who started on or after 1 September 2012
Enter your remaining loan balance to see an estimated repayment timeline
How to Use This Calculator
Enter Your Income
Type your gross income before tax. You can enter it as an annual salary, monthly pay, or weekly wage using the pay frequency selector.
Select Your Loan Plan
Choose your student loan plan type. Check your Student Loans Company account if you are unsure which plan you are on.
View Your Repayments
See your annual, monthly, and weekly student loan repayments. Optionally add your balance to see an estimated repayment timeline.
2025/26 Repayment Thresholds
| Plan | Who It Applies To | Annual Threshold | Monthly Threshold | Rate |
|---|---|---|---|---|
| Plan 1 | English and Welsh students who started before 1 September 2012, or Northern Irish students | £26,065 | £2,172.08 | 9.0% |
| Plan 2 | English and Welsh students who started on or after 1 September 2012 | £28,470 | £2,372.50 | 9.0% |
| Plan 4 | Scottish students who started on or after 1 September 1998 | £32,745 | £2,728.75 | 9.0% |
| Plan 5 | English and Welsh students starting courses on or after 1 August 2023 | £25,000 | £2,083.33 | 9.0% |
| Postgraduate Loan | Postgraduate Master's or Doctoral Loan borrowers across the UK | £21,000 | £1,750.00 | 6.0% |
Quick Repayment Reference Table
| Salary | Plan 1 | Plan 2 | Plan 4 | Plan 5 | Postgrad |
|---|---|---|---|---|---|
| £20,000 | — | — | — | — | — |
| £25,000 | — | — | — | — | £20.00/mo |
| £30,000 | £29.51/mo | £11.48/mo | — | £37.50/mo | £45.00/mo |
| £35,000 | £67.01/mo | £48.97/mo | £16.91/mo | £75.00/mo | £70.00/mo |
| £40,000 | £104.51/mo | £86.48/mo | £54.41/mo | £112.50/mo | £95.00/mo |
| £50,000 | £179.51/mo | £161.48/mo | £129.41/mo | £187.50/mo | £145.00/mo |
| £60,000 | £254.51/mo | £236.48/mo | £204.41/mo | £262.50/mo | £195.00/mo |
| £75,000 | £367.01/mo | £348.97/mo | £316.91/mo | £375.00/mo | £270.00/mo |
| £100,000 | £554.51/mo | £536.48/mo | £504.41/mo | £562.50/mo | £395.00/mo |
Monthly repayment amounts based on 2025/26 thresholds. A dash (\u2014) indicates income is below the repayment threshold for that plan.
How Student Loan Repayments Work
Repayment = (Income - Threshold) x RateUK student loan repayments are income-contingent. You only repay when your income exceeds the threshold for your plan type. The repayment amount is calculated as a percentage of your income above the threshold, not on your total income.
Example Calculation
Salary: £35,000 | Plan 2 Threshold: £28,470Income over threshold: £35,000 - £28,470 = £6,530Annual repayment: £6,530 x 9% = £587.70Monthly repayment: £48.97Key points about student loan repayments:
- Repayments are automatic — if you are employed, your employer deducts repayments through PAYE each pay day
- Self-employed borrowers — repayments are calculated and collected through your Self Assessment tax return
- Multiple loans — if you have both an undergraduate and postgraduate loan, you make separate repayments on each
- Repayments stop — if your income drops below the threshold, repayments stop automatically until your income rises again
- Write-off — any remaining balance is written off after the write-off period (25 to 40 years depending on your plan)
Frequently Asked Questions
Which student loan plan am I on?
Your plan type depends on when and where you studied. Plan 1 is for English and Welsh students who started before September 2012, and Northern Irish students. Plan 2 is for English and Welsh students who started on or after September 2012. Plan 4 is for Scottish students. Plan 5 is for English and Welsh students starting courses from August 2023 onwards. Postgraduate loans are for Master's or Doctoral courses across the UK. You can check your plan type by logging into your Student Loans Company account.
How much do I repay on my student loan?
You repay 9% of your income above the threshold for Plans 1, 2, 4, and 5. For Postgraduate loans, you repay 6% of income above the threshold. Repayments are taken from your salary through PAYE if you are employed, or you pay directly through self-assessment if you are self-employed.
What are the repayment thresholds for 2025/26?
The annual thresholds for the 2025/26 tax year are: Plan 1 is £26,065, Plan 2 is £28,470, Plan 4 is £32,745, Plan 5 is £25,000, and Postgraduate is £21,000. You only repay on income above these thresholds.
When is my student loan written off?
Plan 1 loans are written off when you turn 65 (or 25 years after the April you were first due to repay for loans taken out from 2006). Plan 2 loans are written off 30 years after the April you were first due to repay. Plan 4 loans are written off 30 years after the April you were first due to repay, or when you turn 65 (whichever comes first). Plan 5 loans are written off 40 years after the April you were first due to repay. Postgraduate loans are written off 30 years after the April you were first due to repay.
Do I repay student loans if I earn below the threshold?
No. If your income is at or below the repayment threshold for your plan type, you do not make any repayments. Repayments only start on income above the threshold. If your income drops below the threshold, your repayments stop automatically.
Can I have more than one student loan plan?
Yes. If you have both an undergraduate and postgraduate loan, you will make repayments on both simultaneously once your income exceeds both thresholds. For example, if you have a Plan 2 and a Postgraduate loan, you repay 9% above £28,470 for Plan 2 and 6% above £21,000 for the Postgraduate loan. Your total deduction could be up to 15% of income above the higher threshold.
What interest is charged on student loans?
Interest rates vary by plan type. For Plan 1 and Plan 4, the rate is the lower of RPI or the Bank of England base rate plus 1%. For Plan 2, the rate varies between RPI and RPI plus 3% depending on your income. For Plan 5, the rate is RPI only. For Postgraduate loans, the rate is RPI plus 3%. For the 2025/26 period, the applicable RPI rate is 3.2%.
Important Disclaimer
This calculator provides estimates for the 2025/26 tax year based on Student Loans Company repayment thresholds. It does not account for voluntary overpayments, payment holidays, or changes to income during the year. Repayment timeline estimates assume constant salary and current interest rates, which may change. For official calculations and to check your balance, visit your Student Loans Company online account or contact SLC directly.