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Change Log & Corrections

Correction Log

Every factual correction and trust fix we have made to this site, dated and specific. This is separate from the feature history below: it exists so you can see when a number was wrong and what it was corrected to, not just when a calculator shipped. See our methodology page for how we source and verify figures, and contact us if you spot an error.

Trust fix

2026-09-06

Removed the unverified "Chartered Accountant (ACA)" credential from the reviewer byline (LastUpdated.tsx, AuthorReviewer.tsx and authors.ts). No one at this site holds a checkable accountancy qualification, so we stopped implying one. Pages with no clear written-or-reviewed claim now fall back to the editorial team byline instead of a named expert.

Trust fix

2026-09-06

Removed a fabricated AggregateRating (star rating) from three calculator pages. We do not run a review collection system, so we should not have been emitting review-count schema for one.

Trust fix

2026-09-06

18 paid outbound links were removed or marked rel="sponsored" so they no longer pass PageRank to advertisers.

Trust fix

2026-09-06

Published an author page for Dr Lila Sharma at /author/lila-sharma/ carrying only what is actually verified about her, and rewired page bylines so calculators and guides stop crediting a named expert where no written-or-reviewed claim exists.

Trust fix

2026-09-06

Added inline source citations next to the load-bearing figures on our highest-traffic pages, linking the specific GOV.UK, HMRC or SLC page rather than a generic footer link.

Figure corrected

2026-09-06

Corrected postgraduate Master's and Doctoral Loan figures site-wide: several pages were pairing a real historic loan maximum with the wrong academic year label. Added POSTGRADUATE_LOAN_MAX (2022/23 to 2026/27) to student-loans.ts as the single source of truth, current 2026/27 figures are £13,206 (Master's) and £31,122 (Doctoral). Also corrected the Northern Ireland tuition fee cap to £4,985 for 2026/27 and the Wales tuition fee cap to £9,790 for 2026/27 (same as England); Wales does not have a distinct lower cap.

Figure corrected

2026-09-06

RPI updated to the March 2026 figure of 4.1%, in force 1 Sept 2026 to 31 Aug 2027 (DfE announcement 10 August 2026). Plan 1, Plan 4 and Plan 5 move from 3.2% to 4.1%; Plan 2 slides 4.1% to 7.1% uncapped but is held at the 6% cap; Postgraduate uncapped 7.1%, capped 6%.

Trust fix

2026-09-06

"Last reviewed" and "last updated" dates across the site now come from each page's real git history instead of a single hardcoded site-wide date.

Figure corrected

2026-07-23

Updated to 2026/27 tax year as current. Plan 1 threshold £26,900; Plan 2 £29,385 (frozen 2027-2030); Plan 4 £33,795; Plan 5 £25,000. RPI 3.2%. 6% interest cap on Plan 2 & 3 from 1 Sept 2026.

Figure corrected

2025-09-01

Interest rates reset to March 2025 RPI of 3.2%: Plan 1, Plan 4 and Plan 5 at 3.2%; Plan 2 on the 3.2% to 6.2% sliding scale by income; Postgraduate at 6.2%

Feature History

The releases below are when calculators, guides and tools were added. For fact corrections, see the Correction Log above.

Version 2.0.0 - Enhanced Calculator Platform

added

2024-11-03

HMRC Calculator Suite (16)

Bonus Month PAYE Calculator - Calculate tax on bonus payments

CIS Self Employed Calculator - Construction Industry Scheme calculations

Multiple Jobs PAYE Split Calculator - Handle multiple employment tax

P60-P45 Student Loan Reconciliation Calculator - Reconcile tax documents

PAYE Period Threshold Calculator - Calculate period-specific thresholds

SA Unearned Income Calculator - Self-assessment unearned income

Self Assessment Balancing Payment Calculator - Calculate balancing payments

SL Split Tax Code Impact Calculator - Split tax codes for student loans

SLC vs SA Calculator - Compare SLC vs Self Assessment routes

Umbrella IR35 PAYE Calculator - IR35 umbrella company calculations

PAYE vs Self Assessment Repayment Calculator - Compare repayment methods

Contractors Student Loans IR35 Umbrella CIS Guide - Contractor-specific guidance

P60-P45 Student Loan Repayments Guide - Tax document guidance

PAYE vs Self Assessment Student Loans Guide - Payment method comparison

Student Loan Tax Code Payslip UK Guide - Payslip understanding

Student Loan Tax Codes Guide - Tax code explanations

Calculators (29)

Combined Repayment Calculator - Calculate combined loan repayments across multiple plans

Early Payoff Date Calculator - Determine when you can pay off your loan early

Graduation Year Impact Calculator - See how graduation year affects your repayments

Income Threshold Alert Calculator - Get alerts when you approach repayment thresholds

Inflation Impact Calculator - Factor inflation into long-term loan calculations

Maternity/Paternity Leave Adjustment Calculator - Calculate repayments during parental leave

Part Time Earnings Calculator - Specialized calculator for part-time workers

Plan 1 Student Loan Calculator - Dedicated Plan 1 calculator

Plan 4 Student Loan Calculator - New Plan 4 support for Scottish students

Regional National Comparison Calculator - Compare loan impacts across UK nations

Repayment Start Date Calculator - Calculate when repayments begin

Salary Growth Impact Calculator - Project future salary growth effects

Self Employed Loan Calculator - Specialized for self-employed graduates

SLC Interest Rate Impact Calculator - Track Student Loans Company rate changes

Student Finance Calculator - Comprehensive student finance planning

Student Loan Interest Calculator - Detailed interest calculations

Student Loan Overpayment Calculator - Advanced overpayment strategies

Total Loan Cost Calculator - Complete lifetime cost analysis

P60-P45 Student Loan Reconciliation Calculator - Reconcile tax documents

Self Assessment Balancing Payment Calculator - Calculate balancing payments

SL Split Tax Code Impact Calculator - Split tax codes for student loans

Bonus Variable Pay Impact Calculator - Variable pay impact on loans

Combined UG Repayment Calculator - Undergraduate combined repayments

Multiple Jobs Side Income Calculator - Side income loan calculations

Part Year Employment Career Break Calculator - Career break impacts

Pension Salary Sacrifice Effect Calculator - Pension sacrifice impacts

Hero Section Calculator Display - Prominent calculator showcase

Advanced Calculator Organization - Improved navigation and categorization

Professional Calculator Suite - Enterprise-grade calculation tools

Educational Guides (31)

Bonus Payments Student Loans UK Guide - How bonuses affect repayments

Career Progression Student Loans Marginal Tax Guide - Career progression impacts

Contractors Student Loans IR35 Umbrella CIS Guide - Contractor-specific guidance

Crossing Student Loan Thresholds UK Guide - Threshold crossing strategies

How Student Loans Work UK Guide - Updated comprehensive guide

Investing vs Loan Repayment Guide - Enhanced investment strategies

Investment Income Dividends Student Loans UK Guide - Investment income impacts

Loan Interest Explained Guide - Detailed interest explanations

Maternity Pay Student Loans UK Guide - Maternity leave considerations

Moving Abroad UK Student Loans Guide - International repayment guide

Multiple Jobs Student Loans UK Guide - Multiple employment guidance

P60-P45 Student Loan Repayments Guide - Tax document guidance

Part Time Work Student Loans UK Guide - Part-time work considerations

PAYE vs Self Assessment Student Loans Guide - Payment method comparison

Pension vs Student Loan Overpayments UK Guide - Pension vs loan strategies

Plan 2 Student Loans UK Strategy Guide - Plan 2 specific strategies

Plan 5 Student Loans UK Optimization Guide - Plan 5 optimization

Postgraduate Loans UK Strategy Guide - Postgraduate loan strategies

Repayment Thresholds Guide - Threshold management strategies

Salary Sacrifice Student Loans UK Guide - Salary sacrifice impacts

Self Employment Student Loans UK Guide - Self-employment considerations

Should I Overpay Loan Guide - Enhanced overpayment decisions

Side Hustles Student Loans UK Guide - Side income guidance

Student Loan Interest Rates Guide - Interest rate explanations

Student Loan Tax Code Payslip UK Guide - Payslip understanding

Student Loan Tax Codes Guide - Tax code explanations

Student Loans and Mortgages Guide - Updated mortgage guidance

Student Loans and Taxes Guide - Tax interaction guide

Student Loans High Earners Guide - High earner strategies

Student Loans Low Income Guide - Low income support

Comprehensive Guide Library - Expanded educational content

Comparison Tools (2)

Regional National Comparison Calculator - Compare loan impacts across UK nations

Student Loan Income Comparison - Enhanced income comparison tool

Supported Loan Plans (1)

Multi-Plan Support - Support for all UK student loan plans

Technical Features (5)

Hero Section Calculator Display - Prominent calculator showcase

HMRC Integration Suite - Complete HMRC calculator integration

Enhanced Mobile Experience - Improved mobile calculator interface

Real-time Tax Integration - Live tax calculation integration

Professional Calculator Suite - Enterprise-grade calculation tools

29

Calculators

16

HMRC Suite

31

Guides

2

Comparisons

1

Loan Plans

5

Tech Features

0

Expert Content

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