Student loan repayment calculator UK 2026/27
Estimate 2026/27 repayments for Student Loan Plans 1, 2, 4 and 5, plus postgraduate loans. See annual deductions and the monthly average.
Enter your figures
Annual repayment estimate
Inputs changed. Select Calculate result to update your estimate.
2026/27 annual estimate for UK payroll with steady earnings. Select the plan shown on your Student Loans Company account. Postgraduate repayment can apply alongside an undergraduate plan. Excludes overseas thresholds and loan-balance caps; payroll rounding differs.
How the student loan repayment calculator uk 2026/27 works
9% above the selected undergraduate threshold, plus 6% above £21,000 if a postgraduate loan applies.
UK data and rules
2026/27 data · Checked 16 October 2026. Rules are a dated snapshot, not a live feed.
- Plan 1 £26,900; Plan 2 £29,385; Plan 4 £33,795; Plan 5 £25,000.
Read about data coverage and updates
Worked example: student loan repayments
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Annual gross income (£)
- 40,000
- Undergraduate loan plan
- Plan 2
- Postgraduate loan
- No
Annual repayment estimate: £955.35
9% above the selected undergraduate threshold, plus 6% above £21,000 if a postgraduate loan applies.
Student loan repayments: questions answered
Can undergraduate and postgraduate deductions apply together?
Yes. If you have both kinds of loan, undergraduate repayments and postgraduate repayments can apply at the same time above their separate earnings thresholds. Select both when relevant.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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