One undergraduate plan
If you have more than one undergraduate plan, payroll normally uses the lowest relevant threshold for the undergraduate deduction. This tool asks for one undergraduate plan to keep the estimate easy to check.
Student Loan Repayment Calculator UK
Estimate Plan 1, 2, 4, 5 and postgraduate repayments.
How student loan repayments are estimated
The calculator compares your repayment income with the threshold for each selected loan. Plan 1, Plan 2, Plan 4 and Plan 5 use 9% of income above the relevant threshold. Postgraduate loans use 6% above the postgraduate threshold and can be added alongside an undergraduate plan.
Why payslips can differ
Weekly and monthly payroll thresholds, bonuses, overtime, multiple jobs, refunds and Self Assessment can make real repayments differ from a simple annualised estimate.
Source notes
Threshold and rate assumptions use the bundled Clear Calculators UK tax data, checked against GOV.UK student loan repayment guidance on 19 June 2026.