Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays e when it é written de desconto.
Sobre Student loan calculator
Repayments on a fixed-term student loan, or how a UK income-contingent loan repays e when it é written de desconto.
Faz parte da secção «Finanças» do SmartCalcy. Funciona no seu navegador sem conta, usa a sua própria moeda e unidades (altere-as no topo da página) e dá estimativas apenas a título informativo, por isso consulte as orientações oficiais antes de confiar num resultado.
Como usar a Student loan calculator
O que calcula e quando usar
Models either a fixed-term student loan with level payments, or a UK income-linked loan, where repayments depend on your salary e any balance left é written de desconto.
Como usar, passo a passo
- Choose a fixed-term ou UK income-linked loan.
- Enter the Saldo e Juros Taxa.
- For fixed Prazo, enter the Prazo e optional extra. For UK, choose the plan e enter your salary, salary grow.ª e threshold rise.
O que significa cada campo
- Plan – Sets the repayment Limiar, valor e write-off Período.
- Salary growth, Limiar rise – How Pagamento e thresholds Variação Cada Ano.
Como ler os resultados
- Pagamento mensal – For fixed-term loans.
- Written off depois – For UK loans, years until the loan é cleared ou written off, total repaid e amount written de desconto.
A fórmula
Fixed Prazo: payment = P × r ÷ (1 − (1 + r)^−n). UK: Cada Ano Saldo = Saldo × (1 + Juros) − 9% × (salary − Limiar) (6% por postgraduate), until it é cleared ou the write-off period ends.
Um exemplo prático
A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% por ano paga a 9% above 29,385, which é 235 em year 1. The balance grows faster than it é repaid, so after 30 years about 20,910 has been repaid e 159,277 é written de desconto.
Premissas e limites
- Constant Juros e growth rates.
- Thresholds shown are the 2026 a 2027 UK amounts.
- Your plan’s actual Juros Taxa depends on RPI e income.
Erros comuns
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written de desconto.
Perguntas frequentes
Should I overpay my UK student loan?
Only if you expect a repay it em full before the write-off date. Many graduates never do, so overpaying would waste money.
Dated rules: UK tax year 2026 para 2027 (6 April 2026 para 5 April 2027), de GOV.UK. Rates e thresholds Variação Cada Ano, so check GOV.UK antes relying on a figure.
Ferramentas relacionadas
Detalhes
- Repayment Taxa
- 9% de income above £29,385Limiar shown por the Corrente Ano
- First-year repayment
- £235
- Written-off Quantidade
- £159,277
- Write-off depois
- 30 Anos
Ano a ano
| Ano | 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 |