Student Loan Repayment Calculator
Estimate your student loan deductions using the official 2026/27 payroll thresholds.
Calculate Your Repayments
Estimate your 2026/27 deductions using the official monthly and weekly payroll thresholds.
Your course year alone does not reliably identify your plan. Check your Student Loans Company account or payslip if you are unsure.
Estimated Monthly Repayment
Waiting for details...
Weekly
£0.00
Annual estimate
£0.00
Student loan thresholds for 2026/27
The annual repayment thresholds are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. Each undergraduate plan deducts 9% of earnings above its threshold.
A postgraduate loan is deducted separately at 6% of earnings above £21,000, so you can repay a postgraduate loan at the same time as one undergraduate plan.
Why this is an estimate
Employers calculate student loan deductions from the earnings and threshold for each individual pay period, then round each deduction down to a whole pound. This tool assumes your annual salary is paid evenly. Bonuses, overtime, changing pay and multiple jobs can make actual deductions different.
Your course start year does not identify your plan on its own because the rules also depend on which UK student-finance body funded you. Check your Student Loans Company account or payslip if you are unsure.
FAQ