Calculate∑ What your result means
Each student loan plan has its own repayment threshold and rate, and repayments are only due on income earned above that threshold.
Student Loan Repayment Threshold Calculator
See your estimated student loan repayment based on your plan and income.
Your details
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Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-03-01
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Compare scenarios
Change annual gross salary to see the effect on your result.
Understand your result
Clear context for the values above.
Annual gross salary
Annual gross salary is included so you can interpret this estimate and make a better-informed comparison.
Student loan plan
Student loan plan is included so you can interpret this estimate and make a better-informed comparison.
Repayment threshold
Repayment threshold is included so you can interpret this estimate and make a better-informed comparison.
Repayment rate
Repayment rate is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current annual gross salary, student loan plan, repayment threshold (auto-filled from plan, editable), repayment rate (auto-filled from plan, editable).
- 2Review the headline estimated annual repayment and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current UK rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline estimated annual repayment is based on the inputs currently shown above.Key terms explained →Review the assumptions, applicable rules, timing and real-world fees before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces £235.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
The calculator subtracts your plan's threshold from your salary (Plan 1: £26,900, Plan 2: £29,385, Plan 4: £33,795, Plan 5: £25,000, Postgraduate: £21,000), then applies 9% (6% for Postgraduate loans) to the amount above the threshold.
◇ Assumptions and what's not included
Thresholds are reviewed and can change each tax year, and self-employed borrowers repay via Self Assessment rather than PAYE, using annual rather than per-payslip thresholds — the underlying rate is the same either way.
▤ What to do next
Confirm your exact plan type with the Student Loans Company, since repaying under the wrong plan assumption can lead to under- or over-payment.
UK-specific contextFigures use GBP and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Why is my repayment threshold different from a friend's?+
Thresholds depend on which plan you're on, which is determined by where and when you started your course — different plans have different thresholds.
Does this apply to self-employed borrowers?+
The same rate and threshold logic applies, but self-employed borrowers repay annually through Self Assessment rather than automatically through PAYE.
What if I have both a Plan 2 and a Postgraduate loan?+
This standalone threshold tool models one plan at a time; use the Net Salary & Student Loan calculator when you need the concurrent undergraduate plus postgraduate deduction.
Do thresholds change every year?+
They can be reviewed and adjusted periodically by the government, so check the current thresholds if your calculation is time-sensitive.
When is the remaining balance written off?+
Write-off timing depends on the plan and when the loan became repayable. Repayments are income-contingent, not designed to clear a fixed balance by a fixed date, so confirm your own write-off date with GOV.UK or the Student Loans Company.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.