Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays en when it is written korting.
Over Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays en when it is written korting.
Onderdeel van de sectie “Financiën” van SmartCalcy. Werkt in je browser zonder account, gebruikt je eigen valuta en eenheden (te wijzigen bovenaan de pagina) en geeft schattingen alleen ter informatie, dus controleer officiële richtlijnen voordat je op een resultaat vertrouwt.
Zo gebruik je de Student loan calculator
Wat het berekent en wanneer je het gebruikt
Models either a fixed-term student loan with level payments, or a UK income-linked loan, where repayments depend on your salary en any balance left is written korting.
Zo gebruik je het, stap voor stap
- Choose a fixed-term of UK income-linked loan.
- Enter the Saldo en Rente Rente.
- For fixed Looptijd, enter the Looptijd en optional extra. For UK, choose the plan en enter your salary, salary growe en threshold rise.
Wat elk invoerveld betekent
- Plan – Sets the repayment Drempel, tarief en write-off Periode.
- Salary growth, Drempel rise – How Loon en thresholds Verandering Per stuk Jaar.
Zo lees je de resultaten
- Maandbedrag – For fixed-term loans.
- Written off na – For UK loans, years until the loan is cleared of written off, total repaid en amount written korting.
De formule
Fixed Looptijd: payment = P × r ÷ (1 − (1 + r)^−n). UK: Per stuk Jaar Saldo = Saldo × (1 + Rente) − 9% × (salary − Drempel) (6% voor postgraduate), until it is cleared of the write-off period ends.
Een rekenvoorbeeld
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% per jaar betaalt 9% above 29,385, which is 235 in Jaar 1. The Saldo grows faster than it is repaid, so na 30 Jaren about 20,910 has been repaid en 159,277 is written korting.
Aannames en beperkingen
- Constant Rente en growth rates.
- Thresholds shown are the 2026 tot 2027 UK amounts.
- Your plan’s actual Rente Rente depends on RPI en income.
Veelgemaakte fouten
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written korting.
Veelgestelde vragen
Should I overpay my UK student loan?
Only if you expect tot repay it in full voor the write-off Datum. Many graduates never do, so overpaying would waste money.
Dated rules: UK tax year 2026 naar 2027 (6 April 2026 naar 5 April 2027), van GOV.UK. Rates en thresholds Verandering Per stuk Jaar, so check GOV.UK voor relying on a figure.
Gerelateerde tools
Details
- Repayment Rente
- 9% van income above £29,385Drempel shown voor the Stroom Jaar
- First-year repayment
- £235
- Written-off Hoeveelheid
- £159,277
- Write-off na
- 30 Jaren
Jaar na jaar
| Jaar | 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 |