Your repayment plan, your monthly payments, and whether you'll clear the loan before it's written off. Enter when you started your course, your maintenance loan and your salary at as many points in your career as you like (plus a Master's loan, if you have one). The results update as you type.
We draw a straight line between your points, and keep your salary flat before the first and after the last.
Save your inputs as a scenario, change them and save again to compare side by side. Click a scenario to load it back into the form.
Loan balance or amount repaid so far (whichever's selected above) for each saved scenario. Hover for details.
| Year | Salary | Interest accrued | Repaid | Balance |
|---|
This models the standard England undergraduate rules (Plan 1 / Plan 2 / Plan 5, picked automatically from your course start date), plus a Postgraduate Master's Loan if you add one (6% of income above £21,000/yr, written off after 30 years, repaid alongside your undergraduate loan). Your income is assumed to move in a straight line between the salary data points you enter, staying flat before the first one and after the last one. The tuition fee loan defaults to the historical England fee cap for your start year × course length. Use Assumptions to override it or the interest rate. If you include a Master's, you can set its own start date, length and per-year loan. The two loans are modelled independently, each becoming repayable the April after that course finishes. Scotland, Wales, and Northern Ireland use different plans and thresholds. This is an estimate for general guidance only, not financial advice.