Student Loan Repayment Calculator

Find out how long it will take to repay your UK student loan, how much you will pay back in total, and whether your loan will be written off — based on your salary, plan and graduation year.

Current loan balance

The amount you currently owe. You can find this on your Student Loans Company online account.

Year you graduated

You start repaying the April after you finish your course. If you have not graduated yet, enter the year you expect to.

Repayment plan

Your plan depends on when and where you studied. Check your repayment plan details if you are not sure.

Current annual salary

Your gross income before tax and other deductions, including bonuses.

Expected annual salary growth

How much you expect your pay to rise each year, on average.

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Expected annual inflation

The repayment threshold is reviewed each April. We assume it grows in line with inflation, so a higher figure means more of your pay stays below the threshold.

%

Estimates based on current plan thresholds and rates. Plan 2 interest scales with income between £29,385 and £52,485. Real-world thresholds and rates can change each April.