Find out when your salary growth will trigger student loan repayments
If you are currently below the repayment threshold, this calculator helps you anticipate when your growing salary will trigger student loan repayments.
Threshold: £27,295 | Rate: 9.0%
Typical UK salary growth: 2-5% per year
Currently No Repayments
Your salary is £7,295 below the threshold
Repayments Will Start In
2032
In 7 years (approx 77 months)
Your Salary at That Time
£28,142
Growth from current: +£8,142
Initial Monthly Repayment
£6
9.0% of income above threshold
Payment Timeline
Now
2025
Start
2032
£22,015
Pre-2012 England/Wales or Northern Ireland
£27,295
2012-2023 England/Wales
£31,395
Scotland
£25,000
2023+ England/Wales
£21,000
Master's/PhD loans
Knowing when repayments will start helps you budget effectively. Set aside funds in advance to avoid surprises.
Initial repayments are typically small. As your salary grows, repayments increase proportionally at 9.0%.
Government updates thresholds periodically. Check the latest figures annually to ensure accuracy in your planning.
Explore our other calculators to understand the complete picture of your student loan repayments
Disclaimer: This calculator provides estimates based on assumed salary growth. Actual repayments depend on real income changes, threshold updates, and employment status. Always verify current thresholds with the Student Loans Company or gov.uk.