How much student loan do I repay on £90,000 on Plan 4?

On £90,000 a Plan 4 borrower repays £5,152.95 a year in 2025/26 — £429.41 a month, or £99.10 a week. That is 9% of the £57,255 you earn above the £32,745 threshold, an effective 5.73% of your whole salary.

Does the student-loan repayment reduce my take-home pay by £429.41?

Student-loan repayments are taken on top of Income Tax and National Insurance. On Plan 4 the £429.41 a month comes out after tax and NI. Use the UK take-home pay calculator to see the full net figure including the loan.

What if I also have a Postgraduate Loan on £90,000?

A Postgraduate Loan adds 6% of income above £21,000. On £90,000 that is an extra £4,140.00 a year (£345.00 a month) on top of any Plan 4 repayment. Tick the Postgraduate Loan box in the calculator to combine them.

What is the Student Loan Repayments on £90,000 (Plan 4, 2025/26)?

On a £90,000 salary a Plan 4 student-loan borrower repays £5,152.95 a year (£429.41 a month) in 2025/26 — 9% of the £57,255 earned over the £32,745 threshold. Real GOV.UK figures. It runs free in your browser on Gera Tools, with nothing uploaded.

Student Loan Repayments on £90,000 (Plan 4, 2025/26)

Name: Student Loan Repayments on £90,000 (Plan 4, 2025/26)
Creator: Gera Tools
License: https://creativecommons.org/licenses/by/4.0/

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This page shows the student-loan repayment on a £90,000 salary for someone on Plan 4 in the 2025/26 tax year. The calculator above is pre-filled with £90,000 on Plan 4.

£90,000 on Plan 4 — 2025/26

	Amount
Gross salary	£90,000
Plan 4 threshold	£32,745
Income above threshold	£57,255
Repayment rate	9%
Repayment per year	£5,152.95
Repayment per month	£429.41
Repayment per week	£99.10
Effective rate of whole salary	5.73%

On £90,000 you repay £429.41 a month on Plan 4 — 9% of the £57,255 you earn above the £32,745 threshold. The first £32,745 of your salary is protected, so only 5.73% of your total pay goes to the loan.

The same £90,000 on every plan

If you were on a different plan, the repayment on £90,000 in 2025/26 would be:

Plan	Threshold	Rate	Per year	Per month
Plan 4 (this page)	£32,745	9%	£5,152.95	£429.41
Plan 1	£26,065	9%	£5,754.15	£479.51
Plan 2	£28,470	9%	£5,537.70	£461.47
Plan 5	£25,000	9%	£5,850.00	£487.50
Postgraduate Loan	£21,000	6%	£4,140.00	£345.00

Lower thresholds mean repayments start sooner; the rate is 9% for all undergraduate plans and 6% for the Postgraduate Loan.

How this is worked out

Student-loan repayments are 9% of income above the Plan 4 threshold, not a percentage of your whole salary. On £90,000: £90,000 − £32,745 = £57,255 above the threshold; 9% of £57,255 = £5,152.95 a year. Employed borrowers pay this through PAYE; SLC rounds each pay-period deduction down to the nearest pound. Interest is added to the balance separately and does not change the deduction.

Assumptions

A 2025/26 planning estimate for a borrower on Plan 4 with steady annual earnings of £90,000 and no in-year bonus spikes. It does not model the per-pay-period rounding, interest, or any voluntary overpayments. Your SLC account and payslip are the authority.

Sources & as-of

Repayment rate and Plan 4 threshold (£32,745, 9%): GOV.UK — Repaying your student loan; House of Commons Library CBP-10654.
Tax year 2025/26 (6 April 2025 to 5 April 2026). Page data as-of 2026-06-18.