Calculate your annual and monthly UK student loan repayment (Plans 1/2/4/5) plus any Postgraduate Loan — 9% and 6% above the plan thresholds (2025/26).
Données vérifiées · July 2026
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Student loan repayments are income-contingent: you repay 9% of everything you earn above your plan threshold, and an extra 6% above £21,000 if you also have a Postgraduate Loan. Thresholds for 2025/26: Plan 1 £26,065, Plan 2 £28,470, Plan 4 (Scotland) £32,745, Plan 5 £25,000.
£40,000 income on Plan 2 (£28,470 threshold): 9% of £11,530 = £1,038/year (£86/month), 2.6% of income.
Enter your annual income (before tax, but the loan is assessed on gross).
Pick your plan type — it is printed on your annual statement.
Tick if you also hold a Postgraduate Loan (repaid on top).
Read your annual and monthly repayment.
Last data update
July 7, 2026
Sources and references
GOV.UK — Repaying your student loan: what you pay (gov.uk/repaying-your-student-loan/what-you-pay); Student Loans Company thresholds 2025/26.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
Through PAYE, alongside tax and NIC, based on your gross pay above the threshold. The self-employed pay via Self Assessment.
Yes — an undergraduate plan and a Postgraduate Loan are repaid together, each on its own threshold and rate.