Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays, dan when it adalah diskon written.
Tentang Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays, dan when it adalah diskon written.
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Cara menggunakan Student loan calculator
Apa yang dihitung dan kapan digunakan
Models either a fixed-term student loan with level payments, or a UK income-linked loan, where repayments depend on your salary, dan any balance left adalah diskon written.
Cara menggunakan, langkah demi langkah
- Choose a fixed-term atau UK income-linked loan.
- Enter the Saldo dan Bunga Suku bunga.
- For fixed Jangka waktu, enter the Jangka waktu, dan optional extra. For UK, choose the plan, dan enter your salary, ke-salary grow, dan threshold rise.
Arti setiap input
- Plan – Sets the repayment Ambang, Suku bunga, dan write-off Periode.
- Salary growth, Ambang rise – How Gaji dan thresholds Perubahan Per buah Tahun.
Cara membaca hasil
- Pembayaran bulanan – For fixed-term loans.
- Written off after – For UK loans, years until the loan adalah cleared atau written off, total repaid, dan diskon amount written.
Rumus
Fixed Jangka waktu: payment = P × r ÷ (1 − (1 + r)^−n). UK: Per buah Tahun Saldo = Saldo × (1 + Bunga) − 9% × (salary − Ambang) (6% seharga postgraduate), until it adalah cleared atau the write-off period ends.
Contoh perhitungan
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% per tahun membayar 9% above 29,385, which adalah 235 di year 1. The balance grows faster than it adalah repaid, so after 30 years about 20,910 has been repaid, dan 159,277 adalah diskon written.
Asumsi dan batasan
- Constant Bunga dan growth rates.
- Thresholds shown are the 2026 sampai 2027 UK amounts.
- Your plan’s actual Bunga Suku bunga depends on RPI dan income.
Kesalahan umum
- Treating income-linked repayments as a normal loan.
- diskon Overpaying a loan that will be written.
Pertanyaan yang sering diajukan
Should I overpay my UK student loan?
Only if you expect sampai repay it di full before the write-off date. Many graduates never do, so overpaying would waste money.
Dated rules: UK tax year 2026 ke 2027 (6 April 2026 ke 5 April 2027), Dari GOV.UK. Rates, dan thresholds Perubahan Per buah Tahun, so check GOV.UK before relying on a figure.
Alat terkait
Detail
- Repayment Suku bunga
- 9% dari income above £29,385Ambang shown seharga the Arus Tahun
- First-year repayment
- £235
- Written-off Jumlah
- £159,277
- Write-off after
- 30 tahun
Tahun demi tahun
| Tahun | 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 |