Calculators
Choose from our range of specialised calculators to understand your UK student loan
Filter Calculators
Plan-Specific Calculators
Plan 1 Calculator
For pre-2012 students (England & Wales) and Northern Ireland students
Plan 2 Calculator
For 2012-2023 students in England & Wales
Plan 4 Calculator
For students in Scotland
Plan 5 Calculator
For students starting from September 2023 in England & Wales
Postgraduate Loan Calculator
For Master's & PhD students across the UK
Combined Loans Calculator
Calculate repayments with multiple loan plans
Financial Planning Tools
Monthly Repayment Calculator
Compare monthly payments across all loan types
Total Loan Cost Calculator
Estimate lifetime repayments and if your loan will be repaid in full
Interest Calculator
See how interest accumulates on your student loan
Overpayment Calculator
Analyze if making extra payments is financially beneficial
Write-Off Checker
Find out when your loan will be automatically cancelled
Student Finance Calculator
Calculate tuition fees, maintenance loans, and living costs
HMRC & Tax-Specific Calculators
Self Assessment Balancing Payment
Calculate additional student loan payments due via Self Assessment
Multiple Jobs PAYE Split Calculator
See how student loan deductions work across multiple PAYE jobs
SL/PGL Notice & Tax Code Simulator
Understand how SL1/SL2 notices affect your payroll deductions
Bonus Month PAYE Calculator
Calculate tax, NI, and student loan deductions on bonus payments
CIS/Self-Employed Calculator
Estimate student loan repayments for CIS workers and self-employed
P60/P45 Year-End Reconciliation
Check for student loan over or underpayments using your P60/P45
Overpayment: SLC Voluntary vs SA Top-Up
Compare voluntary SLC payments against Self Assessment top-ups
Umbrella/Inside-IR35 PAYE Model
Calculate student loan deductions for umbrella and IR35 contractors
PAYE Period Threshold Calculator
Convert annual thresholds to weekly, monthly, and other pay periods
SA Unearned Income SL Impact
Calculate student loan on dividends, property, and investment income
More Calculators
Salary Growth Impact Calculator
See how annual pay rises change your repayments and total cost
Graduation Year Impact Calculator
Understand how your graduation year affects repayment timelines
Part-Time Earnings Calculator
Model repayments while studying or working part-time
Income Threshold Alert Calculator
Find the salary points where repayments start or step up
Early Payoff Date Calculator
Project the date you'll clear your balance with different strategies
Repayment Start Date Calculator
Work out when repayments begin based on your situation
Self-Employed Repayment Calculator
Estimate repayments for freelancers and company directors
SLC Interest Rate Impact Calculator
See how changes in the SLC interest rate affect your repayments
Maternity/Paternity Leave Adjustment Calculator
Estimate the impact of maternity/paternity leave on your repayments
Student Loan Overpayment Calculator
Calculate the benefits of making voluntary overpayments
Regional/National Comparison Calculator
Compare student loan repayments and rules across UK nations
PAYE vs Self Assessment Calculator
Compare student loan repayments under PAYE and Self Assessment systems
Part-Year Employment & Career Break Calculator
Estimate HECS-HELP or student loan repayments during part-year employment or a career break
Bonus & Variable Pay Impact Calculator
Calculate how bonuses and commissions affect your monthly repayments
Pension Salary Sacrifice Calculator
See how salary sacrifice pension contributions reduce loan repayments
Career Break Impact Calculator
Estimate repayment effects during gaps in employment or career breaks
Multiple Jobs Repayment Calculator
Calculate combined repayments from multiple jobs and side income
Plan & Cohort Finder
Identify your student loan plan based on study start year and location
Tax Year Threshold Browser
Browse historical and current thresholds and interest rates by year
Combined UG + PG Allocator
Calculate how repayments split between undergraduate and postgraduate loans
Need Help Choosing?
Not sure which calculator to use? Here's a quick guide:
- Use a Plan-specific calculator if you want to understand your specific loan type in detail
- Use the Monthly Repayment Calculator to compare payments across different plans
- Use the Total Cost Calculator to understand lifetime repayments
- Use the Overpayment Calculator if you're considering making additional payments
Learn More
Check out our comprehensive guides to better understand student loans in the UK:
Need Help Understanding Student Loans?
Check out our comprehensive guides to understand the UK student loan system and make better financial decisions.