Student loan calculator
Repayments on a fixed-term student loan、or how a UK income-contingent loan repays、when it 是 减 written.
关于Student loan calculator
Repayments on a fixed-term student loan、or how a UK income-contingent loan repays、when it 是 减 written.
属于 SmartCalcy“财务”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Student loan calculator
它计算什么，何时使用
Models either a fixed-term student loan with level payments、or a UK income-linked loan, where repayments depend on your salary、any balance left 是 减 written.
使用步骤
- Choose a fixed-term 或 UK income-linked loan.
- Enter the 余额 和 利息 利率.
- For fixed 期限、enter the 期限、optional extra. For UK、choose the plan、enter your salary、第 salary grow 次、threshold rise.
各输入项的含义
- Plan – Sets the repayment 阈值、利率、write-off 周期.
- Salary growth, 阈值 rise – How 薪酬 和 thresholds 变化 每件 年份.
如何阅读结果
- 月供 – For fixed-term loans.
- Written off after – For UK loans、years until the loan 是 cleared 或 written off, total repaid、减 amount written.
公式
Fixed 期限: payment = P × r ÷ (1 − (1 + r)^−n). UK: 每件 年份 余额 = 余额 × (1 + 利息) − 9% × (salary − 阈值) (6%件postgraduate), until it 是 cleared 或 the write-off period ends.
计算示例
每年 A 40,000 UK Plan 2 loan at 5.5% on a 32,000 salary growing 3% 付给 9% above 29,385、which 是 year 1. The balance grows faster than it 的 235 是 repaid, so after 30 years about 20,910 has been repaid、159,277 是 减 written.
假设与局限
- Constant 利息 和 growth rates.
- Thresholds shown are the 2026 至 2027 UK amounts.
- Your plan’s actual 利息 利率 depends on RPI 和 income.
常见错误
- Treating income-linked repayments as a normal loan.
- 减 Overpaying a loan that will be written.
常见问题
Should I overpay my UK student loan?
Only if you expect 至 full before the write-off date. Many graduates never do, so overpaying would waste money. 的 repay it
Dated rules: UK tax year 2026 兑 2027（6 April 2026 兑 5 April 2027）、从 GOV.UK. Rates、thresholds 变化 每件 年份, so check GOV.UK before relying on a figure.
相关工具
详情
- Repayment 利率
- income above £29,385 的 9%阈值 shown件the 电流 年份
- First-year repayment
- £235
- Written-off 数量
- £159,277
- Write-off after
- 30 年
逐年明细
| 年份 | Salary | Repaid | 余额 |
|---|---|---|---|
| 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 |