Student Loan Repayment
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).
Dane zweryfikowane · lipiec 2026
Are repayments deducted before or after tax?
Through PAYE, alongside tax and NIC, based on your gross pay above the threshold. The self-employed pay via Self Assessment.
Źródło: GOV.UK — Repaying your student loan: what you pay (gov.uk/repaying-your-student-loan/what-you-pay); Student Loans Company thresholds 2025/26. · zaktualizowano 2026
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Wszystko o Student Loan Repayment
📋Prezentacja+
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.
💡 Dobre praktyki
- Repayments are 9% of income above the threshold — not 9% of your whole salary.
- A Postgraduate Loan stacks: you can pay 9% + 6% = 15% on the same income band above £21,000.
- Loans are written off after a set period (25–40 years depending on plan) — overpaying is rarely worthwhile at low incomes.
🔢 Konkretny przykład
£40,000 income on Plan 2 (£28,470 threshold): 9% of £11,530 = £1,038/year (£86/month), 2.6% of income.
📖Instrukcja użycia+
Jak korzystać z tego kalkulatora
- 1
Enter your annual income (before tax, but the loan is assessed on gross).
- 2
Pick your plan type — it is printed on your annual statement.
- 3
Tick if you also hold a Postgraduate Loan (repaid on top).
- 4
Read your annual and monthly repayment.
📚Słowniczek+
- Plan type
- Plan 1 (pre-2012 England/Wales, NI), Plan 2 (2012–2023), Plan 4 (Scotland), Plan 5 (courses from Aug 2023). Each has its own threshold; all repay at 9%.
- Postgraduate Loan
- Master's/doctoral loan repaid at 6% of income above £21,000, in addition to any undergraduate plan repayment.
ℹ️Źródła i aktualizacje+
Ostatnia aktualizacja danych
7 lipca 2026
Źródła i odniesienia
GOV.UK — Repaying your student loan: what you pay (gov.uk/repaying-your-student-loan/what-you-pay); Student Loans Company thresholds 2025/26.
Dane tego kalkulatora są regularnie aktualizowane zgodnie z najnowszymi oficjalnymi stawkami. W razie wątpliwości sprawdź oficjalne źródła wymienione powyżej.
FAQ — Student Loan Repayment
Are repayments deducted before or after tax?+
Through PAYE, alongside tax and NIC, based on your gross pay above the threshold. The self-employed pay via Self Assessment.
Can I have two loans at once?+
Yes — an undergraduate plan and a Postgraduate Loan are repaid together, each on its own threshold and rate.