Student loan calculator
Repayments on a fixed-term student loan وor how a UK income-contingent loan repays وwhen it هو خصم written.
حول Student loan calculator
Repayments on a fixed-term student loan وor how a UK income-contingent loan repays وwhen it هو خصم written.
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كيفية استخدام Student loan calculator
ما الذي يحسبه ومتى تستخدمه
Models either a fixed-term student loan with level payments وor a UK income-linked loan, where repayments depend on your salary وany balance left هو خصم written.
طريقة الاستخدام خطوة بخطوة
- Choose a fixed-term أو UK income-linked loan.
- Enter the الرصيد والفائدة المعدل.
- For fixed المدة وenter the المدة وoptional extra. For UK وchoose the plan وenter your salary والsalary grow وthreshold rise.
معنى كل مُدخل
- Plan – Sets the repayment العتبة والمعدل وwrite-off الدور.
- Salary growth, العتبة rise – How الأجر وthresholds التغير للقطعة السنة.
كيف تقرأ النتائج
- الدفعة الشهرية – For fixed-term loans.
- Written off after – For UK loans وyears until the loan هو cleared أو written off, total repaid وخصم amount written.
الصيغة
Fixed المدة: payment = P × r ÷ (1 − (1 + r)^−n). UK: للقطعة السنة الرصيد = الرصيد × (1 + الفائدة) − 9% × (salary − العتبة) (6% مقابل postgraduate), until it هو cleared أو the write-off period ends.
مثال محلول
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% سنويًا يدفع إلى 9% above 29,385 وwhich هو 235 في year 1. The balance grows faster than it هو repaid, so after 30 years about 20,910 has been repaid و159,277 هو خصم written.
الافتراضات والحدود
- Constant الفائدة وgrowth rates.
- من Thresholds shown are the 2026 إلى 2027 UK amounts.
- Your plan’s actual الفائدة المعدل depends on RPI وincome.
أخطاء شائعة
- Treating income-linked repayments as a normal loan.
- خصم Overpaying a loan that will be written.
الأسئلة الشائعة
Should I overpay my UK student loan?
من Only if you expect إلى repay it في full before the write-off date. Many graduates never do, so overpaying would waste money.
Dated rules: UK tax year 2026 إلى 2027 (6 April 2026 إلى 5 April 2027) ومن GOV.UK. Rates وthresholds التغير للقطعة السنة, so check GOV.UK before relying on a figure.
أدوات ذات صلة
التفاصيل
- Repayment المعدل
- 9% من income above £29,385العتبة shown مقابل the التيار السنة
- First-year repayment
- £235
- Written-off الكمية
- £159,277
- Write-off after
- 30 سنوات
سنة بسنة
| السنة | Salary | Repaid | الرصيد |
|---|---|---|---|
| 1 | £32,000 | £235 | £41,965 |
| 2 | £32,960 | £256 | £44,017 |
| 3 | £33,949 | £277 | £46,161 |
| 4 | £34,967 | £299 | £48,401 |
| 5 | £36,016 | £322 | £50,741 |
| 6 | £37,097 | £347 | £53,185 |
| 7 | £38,210 | £372 | £55,738 |
| 8 | £39,356 | £398 | £58,405 |
| 9 | £40,537 | £426 | £61,192 |
| 10 | £41,753 | £455 | £64,102 |
| 11 | £43,005 | £485 | £67,143 |
| 12 | £44,295 | £517 | £70,319 |
| 13 | £45,624 | £549 | £73,637 |
| 14 | £46,993 | £584 | £77,104 |
| 15 | £48,403 | £619 | £80,725 |
| 16 | £49,855 | £657 | £84,508 |
| 17 | £51,351 | £696 | £88,460 |
| 18 | £52,891 | £736 | £92,590 |
| 19 | £54,478 | £778 | £96,904 |
| 20 | £56,112 | £822 | £101,411 |
| 21 | £57,796 | £868 | £106,121 |
| 22 | £59,529 | £916 | £111,042 |
| 23 | £61,315 | £965 | £116,184 |
| 24 | £63,155 | £1,017 | £121,557 |
| 25 | £65,049 | £1,071 | £127,171 |
| 26 | £67,001 | £1,127 | £133,039 |
| 27 | £69,011 | £1,185 | £139,170 |
| 28 | £71,081 | £1,246 | £145,579 |
| 29 | £73,214 | £1,309 | £152,276 |
| 30 | £75,410 | £1,375 | £159,277 |