Kalkulator student loan (kredit pendhidhikan)
Cicilan student loan kanthi jangka wektu tetep, utawa kepiye kredit income-contingent UK dibayar lan kapan dihapus.
Babagan Kalkulator student loan (kredit pendhidhikan)
Cicilan student loan kanthi jangka wektu tetep, utawa kepiye kredit income-contingent UK dibayar lan kapan dihapus.
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Carane nganggo Kalkulator student loan (kredit pendhidhikan)
Apa sing dietung lan kapan nganggo
Nggambarake utangan kuliah tenor tetep kanthi cicilan padha, utawa utangan Inggris sing gumantung pangasilan, ing ngendi cicilan gumantung gaji panjenengan lan sisa saldo dihapus.
Carane nganggo, langkah demi langkah
- Pilih utangan tenor tetep utawa utangan Inggris sing gumantung pangasilan.
- Lebokna saldo lan suku bunga.
- Kanggo tenor tetep, lebokna tenor lan ekstra opsional. Kanggo Inggris, pilih rencana lan lebokna gaji, kenaikan gaji lan kenaikan ambang bates.
Tegese saben input
- Rencana – Sets the repayment Ambang, tarif lan write-off Periode.
- Salary growth, Ambang mundhak – How Bayaran lan thresholds Owah-owahan Saben siji taun.
Carane maca asile
- Cicilan saben sasi – For fixed-term loans.
- Written off Sawise – For UK loans, years until the loan is cleared or written off, total repaid and amount written off.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- Constant Bunga lan growth rates.
- Thresholds shown are the 2026 nganti 2027 UK amounts.
- Your plan’s actual interest rate depends on RPI and income.
Kesalahan umum
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written off.
Pitakonan sing kerep ditakokake
Apa aku kudu mbayar luwih utangan kuliah Inggrisku?
Mung yen panjenengan ngira bakal nglunasi kabeh sadurunge tanggal penghapusan. Akeh lulusan ora tau nglunasi, mula mbayar luwih bakal mbuwang dhuwit.
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.
Piranti sing gegandhengan
Rincian
- Repayment tarif
- 9% saka income above £29,385Ambang shown kanggo the current taun
- First-year repayment
- £235
- Written-off Jumlah
- £159,277
- Write-off Sawise
- 30 taun
Saben taun
| Taun | 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 |