Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays y when it es written de descuento.
Acerca de Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays y when it es written de descuento.
Forma parte de la sección «Finanzas» de SmartCalcy. Se ejecuta en tu navegador sin cuenta, usa tu propia moneda y unidades (cámbialas en la parte superior de la página) y da estimaciones solo a título informativo, así que consulta la guía oficial antes de fiarte de un resultado.
Cómo usar la Student loan calculator
Qué calcula y cuándo usarla
Models either a fixed-term student loan with level payments, or a UK income-linked loan, where repayments depend on your salary y any balance left es written de descuento.
Cómo usarla, paso a paso
- Choose a fixed-term o UK income-linked loan.
- Enter the Saldo y Intereses Tipo.
- For fixed Plazo, enter the Plazo y optional extra. For UK, choose the plan y enter your salary, salary grow.ª y threshold rise.
Qué significa cada dato
- Plan – Sets the repayment Umbral, tarifa y write-off Periodo.
- Salary growth, Umbral rise – How Paga y thresholds Variación Cada uno Año.
Cómo leer los resultados
- Pago mensual – For fixed-term loans.
- Written off después – For UK loans, years until the loan es cleared o written off, total repaid y amount written de descuento.
La fórmula
Fixed Plazo: payment = P × r ÷ (1 − (1 + r)^−n). UK: Cada uno Año Saldo = Saldo × (1 + Intereses) − 9% × (salary − Umbral) (6% por postgraduate), until it es cleared o the write-off period ends.
Un ejemplo práctico
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% al año paga a 9% above 29,385, which es 235 en year 1. The balance grows faster than it es repaid, so after 30 years about 20,910 has been repaid y 159,277 es written de descuento.
Supuestos y límites
- Constant Intereses y growth rates.
- Thresholds shown are the 2026 a 2027 UK amounts.
- Your plan’s actual Intereses Tipo depends on RPI y income.
Errores comunes
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written de descuento.
Preguntas frecuentes
Should I overpay my UK student loan?
Only if you expect a repay it en full before the write-off date. Many graduates never do, so overpaying would waste money.
Dated rules: UK tax year 2026 a 2027 (6 April 2026 a 5 April 2027), desde GOV.UK. Rates y thresholds Variación Cada uno Año, so check GOV.UK antes relying on a figure.
Herramientas relacionadas
Detalles
- Repayment Tipo
- 9 % de income above £29,385Umbral shown por the Corriente Año
- First-year repayment
- £235
- Written-off Cantidad
- £159,277
- Write-off después
- 30 Años
Año a año
| Año | Salary | Repaid | Saldo |
|---|---|---|---|
| 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 |