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Student loan repayment calculator
Estimate Plan 1, 2, 4, 5 and postgraduate repayments from the verified pay-period thresholds.
Illustrative result
£27.00 estimated repayment each month
2026 to 2027
- Undergraduate repayment per period
- £27.00
- Postgraduate repayment per period
- £0.00
- Repayments over 12 equal months or 52 weeks
- £324.00
- Rough monthly undergraduate repayment
- £27.00
Assumptions
- Repayments use the HMRC pay-period threshold and are rounded down to the nearest pound.
- A postgraduate loan can be deducted as well as one undergraduate plan. Two undergraduate plans are not modelled together.
- Interest is an assumption you enter. Reaching a zero balance in the projection is a final repayment, not a write-off.
Questions
Does the amount I owe change the monthly repayment?
No. The repayment depends on income over the threshold. The balance only limits the final repayment.
Which tax year is Plan 5 available in?
Plan 5 is included for 2026 to 2027. It was not in the 2025 to 2026 employer deduction tables used here.
Use this in your own plan
The result stays in your browser. Create an Aldoraun account if you want to keep a budget, accounts and a cashflow forecast.
Related calculators
Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.
Estimated repayment each month£27.00See breakdown