UK student loans are repaid as a percentage of income above a plan-specific threshold, deducted through PAYE. This calculator applies the 2025/26 thresholds for each plan and shows your repayment per year, month, and week.
How it works
You repay 9% of everything you earn above your plan’s threshold (6% for postgraduate loans). The 2025/26 thresholds are: Plan 1 £26,065, Plan 2 £28,470, Plan 4 (Scotland) £32,745, Plan 5 £25,000, and Postgraduate £21,000. The balance of your loan does not affect the monthly amount — only your income does.
repayment = (income − threshold) × 9% (6% for postgraduate)If you hold both an undergraduate plan and a postgraduate loan, the two repayments are charged together.
Example
On a £35,000 salary on Plan 2, you repay 9% of the £6,530 above the £28,470 threshold: £587.70 a year, about £48.98 a month or £11.30 a week. Adding a postgraduate loan would add 6% of the £14,000 above £21,000 = £840 a year on top.
Notes
Estimate only, not financial advice. Models 2025/26 income-contingent repayment thresholds and rates. Repayments are based on income above the threshold, not your outstanding balance, and are collected through PAYE or Self Assessment. Interest, write-off dates, and voluntary overpayments are not modelled. Verify at gov.uk/repaying-your-student-loan.