Na'urar lissafin lamunin karatu
Biyan lamunin karatu na ƙayyadadden lokaci, ko yadda lamunin income-contingent na UK ke biyuwa da lokacin da ake yafe shi.
Game da Na'urar lissafin lamunin karatu
Biyan lamunin karatu na ƙayyadadden lokaci, ko yadda lamunin income-contingent na UK ke biyuwa da lokacin da ake yafe shi.
Ɓangare ne na sashen “Kuɗi” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin lamunin karatu
Abin da yake lissafawa da lokacin amfani da shi
Yana kwaikwayon ko dai lamunin karatu mai tsayayyen wa'adi tare da biya daidai, ko lamuni na Birtaniya mai alaƙa da kuɗin shiga, inda biyan ya dogara da albashinku kuma ana yafe duk sauran bashin.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi lamuni mai tsayayyen wa'adi ko lamuni na Birtaniya mai alaƙa da kuɗin shiga.
- Shigar da sauran bashi da kashin kuɗin ruwa.
- Ga tsayayyen wa'adi, shigar da wa'adi da ƙari na zaɓi. Ga Birtaniya, zaɓi tsarin kuma shigar da albashinku, haɓakar albashi da ƙaruwar iyakar biya (threshold).
Ma'anar kowace shigarwa
- Tsari – Sets the repayment Iyaka (threshold), kashi da write-off Lokaci (period).
- Salary growth, Iyaka (threshold) ƙaruwa – How Albashi da thresholds Canji Kowanne shekara.
Yadda ake karanta sakamako
- Biyan kuɗi na wata – For fixed-term loans.
- Written off Bayan – For UK loans, years until the loan is cleared or written off, total repaid and amount written off.
Dabarar lissafi
Fixed term: payment = P × r ÷ (1 − (1 + r)^−n). UK: each year balance = balance × (1 + interest) − 9% × (salary − threshold) (6% for postgraduate), until it is cleared or the write-off period ends.
Misali da aka warware
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% a year pays 9% above 29,385, which is 235 in year 1. The balance grows faster than it is repaid, so after 30 years about 20,910 has been repaid and 159,277 is written off.
Zato da iyakoki
- Constant Kuɗin ruwa da growth rates.
- Thresholds shown are the 2026 zuwa 2027 UK amounts.
- Your plan’s actual interest rate depends on RPI and income.
Kurakuran da aka saba yi
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written off.
Tambayoyin da ake yawan yi
Shin in ƙara biyan lamunin karatuna na Birtaniya?
Sai idan kuna tsammanin biyan sa gaba ɗaya kafin ranar yafewa. Yawancin waɗanda suka kammala karatu ba sa yin haka, don haka ƙarin biya zai zama asarar kuɗi.
Dated rules: UK tax year 2026 to 2027 (6 April 2026 to 5 April 2027), from GOV.UK. Rates and thresholds change each year, so check GOV.UK before relying on a figure.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Repayment kashi
- 9% na income above £29,385Iyaka (threshold) shown akan the current shekara
- First-year repayment
- £235
- Written-off Adadi
- £159,277
- Write-off Bayan
- 30 shekaru
Shekara-shekara
| Shekara | Salary | Repaid | Saura |
|---|---|---|---|
| 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 |