Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays और when it है written की छूट.
Student loan calculator के बारे में
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays और when it है written की छूट.
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Student loan calculator का उपयोग कैसे करें
यह क्या गणना करता है और कब उपयोग करें
Models either a fixed-term student loan with level payments, or a UK income-linked loan, where repayments depend on your salary और any balance left है written की छूट.
उपयोग कैसे करें, चरण दर चरण
- Choose a fixed-term या UK income-linked loan.
- Enter the शेष राशि और ब्याज दर.
- For fixed अवधि, enter the अवधि और optional extra. For UK, choose the plan और enter your salary, salary grow-वाँ और threshold rise.
हर इनपुट का मतलब
- Plan – Sets the repayment थ्रेशोल्ड, दर और write-off आवर्तकाल.
- Salary growth, थ्रेशोल्ड rise – How वेतन और thresholds परिवर्तन प्रति वस्तु वर्ष.
परिणाम कैसे पढ़ें
- मासिक भुगतान – For fixed-term loans.
- Written off after – For UK loans, years until the loan है cleared या written off, total repaid और amount written की छूट.
सूत्र
Fixed अवधि: payment = P × r ÷ (1 − (1 + r)^−n). UK: प्रति वस्तु वर्ष शेष राशि = शेष राशि × (1 + ब्याज) − 9% × (salary − थ्रेशोल्ड) (6% के लिए postgraduate), until it है cleared या the write-off period ends.
एक हल किया उदाहरण
सालाना A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% को 9% above 29,385 को देना है, which है year 1. The balance grows faster than it में 235 है repaid, so after 30 years about 20,910 has been repaid और 159,277 है written की छूट.
मान्यताएँ और सीमाएँ
- Constant ब्याज और growth rates.
- Thresholds shown are the 2026 से 2027 UK amounts.
- Your plan’s actual ब्याज दर depends on RPI और income.
आम गलतियाँ
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written की छूट.
अक्सर पूछे जाने वाले प्रश्न
Should I overpay my UK student loan?
Only if you expect से full before the write-off date. Many graduates never do, so overpaying would waste money. में repay it
Dated rules: UK tax year 2026 से 2027 (6 April 2026 से 5 April 2027), से GOV.UK. Rates और thresholds परिवर्तन प्रति वस्तु वर्ष, so check GOV.UK before relying on a figure.
संबंधित टूल
विवरण
- Repayment दर
- income above £29,385 का 9%थ्रेशोल्ड shown के लिए the धारा वर्ष
- First-year repayment
- £235
- Written-off मात्रा
- £159,277
- Write-off after
- 30 वर्ष
साल दर साल
| वर्ष | Salary | Repaid | शेष राशि |
|---|---|---|---|
| 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 |