Calculator ng student loan
Mga hulog sa fixed-term na student loan, o kung paano binabayaran ang UK income-contingent loan at kailan ito nabubura.
Tungkol sa Calculator ng student loan
Mga hulog sa fixed-term na student loan, o kung paano binabayaran ang UK income-contingent loan at kailan ito nabubura.
Bahagi ng seksyong “Pananalapi” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang Calculator ng student loan
Ano ang kinukuwenta nito at kailan ito gagamitin
Nagmomodelo ng alinman sa fixed-term student loan na may pantay na hulog, o UK income-linked loan, kung saan nakadepende ang bayad sa sahod mo at binubura ang anumang natitirang balanse.
Paano ito gamitin, hakbang-hakbang
- Pumili ng fixed-term o UK income-linked loan.
- Ilagay ang balanse at interest rate.
- Para sa fixed term, ilagay ang termino at opsyonal na dagdag. Para sa UK, piliin ang plan at ilagay ang sahod mo, paglago ng sahod at pagtaas ng threshold.
Ano ang ibig sabihin ng bawat input
- Plan – Sets the repayment threshold, rate at write-off period.
- Salary growth, Threshold rise – How Sahod at thresholds Pagbabago Bawat isa taon.
Paano basahin ang mga resulta
- Buwanang hulog – For fixed-term loans.
- Written off Pagkatapos – For UK loans, years until the loan is cleared or written off, total repaid and amount written off.
Ang 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.
Isang halimbawa
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.
Mga palagay at limitasyon
- Constant Interes at growth rates.
- Thresholds shown are the 2026 hanggang 2027 UK amounts.
- Your plan’s actual interest rate depends on RPI and income.
Karaniwang pagkakamali
- Treating income-linked repayments as a normal loan.
- Overpaying a loan that will be written off.
Mga madalas itanong
Dapat ko bang i-overpay ang UK student loan ko?
Kung inaasahan mo lang na mababayaran mo ito nang buo bago ang write-off date. Maraming graduate ang hindi umaabot doon, kaya masasayang lang ang pera sa overpayment.
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.
Kaugnay na tools
Detalye
- Repayment rate
- 9% ng income above £29,385threshold shown sa halagang the current taon
- First-year repayment
- £235
- Written-off Dami
- £159,277
- Write-off Pagkatapos
- 30 taon
Taon-taon
| Taon | Salary | Repaid | Balanse |
|---|---|---|---|
| 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 |