Kalkulator pinjaman pelajar
Bayaran balik pinjaman pelajar bertempoh tetap, atau bagaimana pinjaman berasaskan pendapatan UK dibayar balik dan bila ia dihapuskan.
Tentang Kalkulator pinjaman pelajar
Bayaran balik pinjaman pelajar bertempoh tetap, atau bagaimana pinjaman berasaskan pendapatan UK dibayar balik dan bila ia dihapuskan.
Sebahagian daripada bahagian “Kewangan” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator pinjaman pelajar
Apa yang dikira dan bila menggunakannya
Memodelkan sama ada pinjaman pelajar bertempoh tetap dengan bayaran sama rata, atau pinjaman berkait pendapatan UK, yang bayaran baliknya bergantung pada gaji anda dan sebarang baki yang tinggal dihapus kira.
Cara menggunakannya, langkah demi langkah
- Pilih pinjaman bertempoh tetap atau pinjaman berkait pendapatan UK.
- Masukkan baki dan kadar faedah.
- Bagi tempoh tetap, masukkan tempoh dan bayaran tambahan pilihan. Bagi UK, pilih pelan dan masukkan gaji, pertumbuhan gaji dan kenaikan ambang anda.
Maksud setiap input
- Pelan – Sets the repayment Ambang, kadar dan write-off Tempoh.
- Salary growth, Ambang kenaikan – How Gaji dan thresholds Perubahan Setiap satu tahun.
Cara membaca hasil
- Bayaran bulanan – For fixed-term loans.
- Written off Selepas – For UK loans, years until the loan is cleared or written off, total repaid and amount written off.
Formula
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.
Contoh pengiraan
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.
Andaian dan had
- Constant Faedah dan growth rates.
- Thresholds shown are the 2026 hingga 2027 UK amounts.
- Your plan’s actual interest rate depends on RPI and income.
Kesilapan biasa
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written off.
Soalan lazim
Patutkah saya membayar lebih pinjaman pelajar UK saya?
Hanya jika anda jangka melunaskannya sepenuhnya sebelum tarikh hapus kira. Ramai graduan tidak pernah melunaskannya, jadi membayar lebih akan membazir wang.
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.
Alat berkaitan
Butiran
- Repayment kadar
- 9% daripada income above £29,385Ambang shown untuk the current tahun
- First-year repayment
- £235
- Written-off Jumlah
- £159,277
- Write-off Selepas
- 30 tahun
Tahun demi tahun
| Tahun | Salary | Repaid | Baki |
|---|---|---|---|
| 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 |