Understand Your UK Student Loan Repayments
Trusted tools, expert guides, and calculators built for UK students and graduates.
No login required. Updated for 2025 UK loan rules.
Our Most Popular Calculators
Quick, accurate tools to help you understand your student loan commitments
Plan 5 Calculator
For students starting from 2023 in England & Wales. Calculate your monthly repayments and total loan cost.
Try NowWrite-off Calculator
Find out when your student loan will be written off based on your loan type, graduation year, and nation.
Try NowIncome Comparison
Compare your take-home pay with different student loans to see how each plan impacts your monthly income.
Try NowInvest or Repay?
Should you invest your money or make voluntary student loan repayments? This calculator helps you decide the optimal strategy.
Try NowLearn How Student Loans Really Work
Expert guides to help you navigate the complexities of UK student loans
Plan 2 vs Plan 5
Understand the key differences between Plan 2 and Plan 5 student loans and how they affect your repayments.
Read GuideStudent Loans and Mortgages
How do student loans affect your ability to get a mortgage? Learn what lenders consider when you apply.
Read GuideInvesting vs Loan Repayment
Should you invest your money or make voluntary student loan repayments? This guide helps you decide.
Read GuideCompare Different Student Loan Plans
See how different loan plans stack up for your career path and income level
Plan 2 vs Plan 5
Compare Plan 2 and Plan 5 student loans side-by-side and see which is more costly for your career path.
Compare NowPlan 5 vs Postgraduate
Compare new undergraduate loans with postgraduate loans to understand the repayment implications.
Compare NowLoans on £50k Salary
See how each loan plan affects higher earners on a £50,000 salary with detailed repayment breakdowns.
Compare NowPopular Calculators
Choose the calculator that matches your student loan plan or specific need
Plan 2 Calculator
For students who started university between 2012-2023 in England & Wales
Calculate Plan 2 LoanCompare Plans
See monthly payments across all loan types based on your salary
Compare Monthly PaymentsWhy Use Our Calculators?
Our calculators are designed to help you make informed decisions about your student loans
Accurate Calculations
Our calculators use up-to-date thresholds, interest rates, and repayment rules for all UK student loan plans.
Easy to Understand
Clear explanations and visualizations help you grasp the long-term impact of your student loans on your finances.
Completely Free
All our calculators are free to use, with no registration required or hidden fees.
Frequently Asked Questions
Get quick answers to common questions about UK student loans
How are student loan repayments calculated?
Repayments are calculated as a percentage of your income above the repayment threshold. For most plans, this is 9% of your income above the threshold.
Learn MoreShould I overpay my student loan?
Whether to overpay depends on your income, loan plan, and financial goals. Our guide helps you make an informed decision.
Learn MoreExpert Insights
Get advice from financial experts and student loan specialists
Student Finance Expert
Specializing in UK student loan regulations and repayment strategies
Financial Advisor
Helping graduates make smart financial decisions about their student loans
Data Analyst
Providing insights into student loan trends and repayment patterns
Helpful Guides
Learn more about how UK student loans work
Understanding UK Student Loans
Learn about the different loan plans, how repayments work, and what happens after graduation.
Should You Overpay Your Student Loan?
Explore whether making voluntary overpayments makes financial sense based on your circumstances.
Why Trust Our Calculators
Backed by research, built with clarity, loved by thousands of UK students
"The loan comparison calculator helped me understand exactly how Plan 5 would affect my future finances compared to Plan 2. I was able to make an informed decision about my postgraduate studies thanks to these tools."
James Davies
MSc Student, University of Manchester
Trusted by Students
Thousands of UK students rely on our calculators to plan their finances and understand their loan repayments.
Data Transparency
Our calculators use the latest official data from Student Finance England, Student Loans Company, and HMRC.
UK-Specific
Built specifically for UK student loans, with attention to the unique rules and thresholds for each nation.
Stay Informed
Get updates before student loan changes happen. We'll send you:
- New calculator tool announcements
- Legislative updates affecting student loans
- Expert financial tips for graduates