Free UK student loan repayment calculator. Calculate your monthly payments, repayment timeline, and total interest. Works with Plan 1, Plan 2, and Postgraduate loans.
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Enter your details below to calculate your student loan repayment plan. All calculations are performed in your browser for complete privacy.
Monthly Payment
£25.47
Annual Payment
£305.64
Repayment Period
40 years
Total Interest
£111,962.82
Total Amount Paid
£12,225.60
| Year | Starting Balance | Payment | Interest | Ending Balance | Total Paid |
|---|---|---|---|---|---|
| 1 | £27,500.00 | £305.64 | £1,237.50 | £28,431.86 | £305.64 |
| 2 | £28,431.86 | £305.64 | £1,279.43 | £29,405.65 | £611.28 |
| 3 | £29,405.65 | £305.64 | £1,323.25 | £30,423.27 | £916.92 |
| 4 | £30,423.27 | £305.64 | £1,369.05 | £31,486.68 | £1,222.56 |
| 5 | £31,486.68 | £305.64 | £1,416.90 | £32,597.94 | £1,528.20 |
| 6 | £32,597.94 | £305.64 | £1,466.91 | £33,759.20 | £1,833.84 |
| 7 | £33,759.20 | £305.64 | £1,519.16 | £34,972.73 | £2,139.48 |
| 8 | £34,972.73 | £305.64 | £1,573.77 | £36,240.86 | £2,445.12 |
| 9 | £36,240.86 | £305.64 | £1,630.84 | £37,566.06 | £2,750.76 |
| 10 | £37,566.06 | £305.64 | £1,690.47 | £38,950.89 | £3,056.40 |
| 11 | £38,950.89 | £305.64 | £1,752.79 | £40,398.04 | £3,362.04 |
| 12 | £40,398.04 | £305.64 | £1,817.91 | £41,910.31 | £3,667.68 |
| 13 | £41,910.31 | £305.64 | £1,885.96 | £43,490.64 | £3,973.32 |
| 14 | £43,490.64 | £305.64 | £1,957.08 | £45,142.08 | £4,278.96 |
| 15 | £45,142.08 | £305.64 | £2,031.39 | £46,867.83 | £4,584.60 |
| 16 | £46,867.83 | £305.64 | £2,109.05 | £48,671.24 | £4,890.24 |
| 17 | £48,671.24 | £305.64 | £2,190.21 | £50,555.81 | £5,195.88 |
| 18 | £50,555.81 | £305.64 | £2,275.01 | £52,525.18 | £5,501.52 |
| 19 | £52,525.18 | £305.64 | £2,363.63 | £54,583.17 | £5,807.16 |
| 20 | £54,583.17 | £305.64 | £2,456.24 | £56,733.77 | £6,112.80 |
| 21 | £56,733.77 | £305.64 | £2,553.02 | £58,981.15 | £6,418.44 |
| 22 | £58,981.15 | £305.64 | £2,654.15 | £61,329.67 | £6,724.08 |
| 23 | £61,329.67 | £305.64 | £2,759.83 | £63,783.86 | £7,029.72 |
| 24 | £63,783.86 | £305.64 | £2,870.27 | £66,348.49 | £7,335.36 |
| 25 | £66,348.49 | £305.64 | £2,985.68 | £69,028.54 | £7,641.00 |
| 26 | £69,028.54 | £305.64 | £3,106.28 | £71,829.18 | £7,946.64 |
| 27 | £71,829.18 | £305.64 | £3,232.31 | £74,755.85 | £8,252.28 |
| 28 | £74,755.85 | £305.64 | £3,364.01 | £77,814.23 | £8,557.92 |
| 29 | £77,814.23 | £305.64 | £3,501.64 | £81,010.23 | £8,863.56 |
| 30 | £81,010.23 | £305.64 | £3,645.46 | £84,350.05 | £9,169.20 |
| 31 | £84,350.05 | £305.64 | £3,795.75 | £87,840.16 | £9,474.84 |
| 32 | £87,840.16 | £305.64 | £3,952.81 | £91,487.33 | £9,780.48 |
| 33 | £91,487.33 | £305.64 | £4,116.93 | £95,298.62 | £10,086.12 |
| 34 | £95,298.62 | £305.64 | £4,288.44 | £99,281.41 | £10,391.76 |
| 35 | £99,281.41 | £305.64 | £4,467.66 | £103,443.44 | £10,697.40 |
| 36 | £103,443.44 | £305.64 | £4,654.95 | £107,792.75 | £11,003.04 |
| 37 | £107,792.75 | £305.64 | £4,850.67 | £112,337.79 | £11,308.68 |
| 38 | £112,337.79 | £305.64 | £5,055.20 | £117,087.35 | £11,614.32 |
| 39 | £117,087.35 | £305.64 | £5,268.93 | £122,050.64 | £11,919.96 |
| 40 | £122,050.64 | £305.64 | £5,492.28 | £127,237.28 | £12,225.60 |
Starting Balance
£27,500.00
Payment
£305.64
Interest
£1,237.50
Ending Balance
£28,431.86
Total Paid So Far
£305.64
Starting Balance
£28,431.86
Payment
£305.64
Interest
£1,279.43
Ending Balance
£29,405.65
Total Paid So Far
£611.28
Starting Balance
£29,405.65
Payment
£305.64
Interest
£1,323.25
Ending Balance
£30,423.27
Total Paid So Far
£916.92
Starting Balance
£30,423.27
Payment
£305.64
Interest
£1,369.05
Ending Balance
£31,486.68
Total Paid So Far
£1,222.56
Starting Balance
£31,486.68
Payment
£305.64
Interest
£1,416.90
Ending Balance
£32,597.94
Total Paid So Far
£1,528.20
Starting Balance
£32,597.94
Payment
£305.64
Interest
£1,466.91
Ending Balance
£33,759.20
Total Paid So Far
£1,833.84
Starting Balance
£33,759.20
Payment
£305.64
Interest
£1,519.16
Ending Balance
£34,972.73
Total Paid So Far
£2,139.48
Starting Balance
£34,972.73
Payment
£305.64
Interest
£1,573.77
Ending Balance
£36,240.86
Total Paid So Far
£2,445.12
Starting Balance
£36,240.86
Payment
£305.64
Interest
£1,630.84
Ending Balance
£37,566.06
Total Paid So Far
£2,750.76
Starting Balance
£37,566.06
Payment
£305.64
Interest
£1,690.47
Ending Balance
£38,950.89
Total Paid So Far
£3,056.40
Starting Balance
£38,950.89
Payment
£305.64
Interest
£1,752.79
Ending Balance
£40,398.04
Total Paid So Far
£3,362.04
Starting Balance
£40,398.04
Payment
£305.64
Interest
£1,817.91
Ending Balance
£41,910.31
Total Paid So Far
£3,667.68
Starting Balance
£41,910.31
Payment
£305.64
Interest
£1,885.96
Ending Balance
£43,490.64
Total Paid So Far
£3,973.32
Starting Balance
£43,490.64
Payment
£305.64
Interest
£1,957.08
Ending Balance
£45,142.08
Total Paid So Far
£4,278.96
Starting Balance
£45,142.08
Payment
£305.64
Interest
£2,031.39
Ending Balance
£46,867.83
Total Paid So Far
£4,584.60
Starting Balance
£46,867.83
Payment
£305.64
Interest
£2,109.05
Ending Balance
£48,671.24
Total Paid So Far
£4,890.24
Starting Balance
£48,671.24
Payment
£305.64
Interest
£2,190.21
Ending Balance
£50,555.81
Total Paid So Far
£5,195.88
Starting Balance
£50,555.81
Payment
£305.64
Interest
£2,275.01
Ending Balance
£52,525.18
Total Paid So Far
£5,501.52
Starting Balance
£52,525.18
Payment
£305.64
Interest
£2,363.63
Ending Balance
£54,583.17
Total Paid So Far
£5,807.16
Starting Balance
£54,583.17
Payment
£305.64
Interest
£2,456.24
Ending Balance
£56,733.77
Total Paid So Far
£6,112.80
Starting Balance
£56,733.77
Payment
£305.64
Interest
£2,553.02
Ending Balance
£58,981.15
Total Paid So Far
£6,418.44
Starting Balance
£58,981.15
Payment
£305.64
Interest
£2,654.15
Ending Balance
£61,329.67
Total Paid So Far
£6,724.08
Starting Balance
£61,329.67
Payment
£305.64
Interest
£2,759.83
Ending Balance
£63,783.86
Total Paid So Far
£7,029.72
Starting Balance
£63,783.86
Payment
£305.64
Interest
£2,870.27
Ending Balance
£66,348.49
Total Paid So Far
£7,335.36
Starting Balance
£66,348.49
Payment
£305.64
Interest
£2,985.68
Ending Balance
£69,028.54
Total Paid So Far
£7,641.00
Starting Balance
£69,028.54
Payment
£305.64
Interest
£3,106.28
Ending Balance
£71,829.18
Total Paid So Far
£7,946.64
Starting Balance
£71,829.18
Payment
£305.64
Interest
£3,232.31
Ending Balance
£74,755.85
Total Paid So Far
£8,252.28
Starting Balance
£74,755.85
Payment
£305.64
Interest
£3,364.01
Ending Balance
£77,814.23
Total Paid So Far
£8,557.92
Starting Balance
£77,814.23
Payment
£305.64
Interest
£3,501.64
Ending Balance
£81,010.23
Total Paid So Far
£8,863.56
Starting Balance
£81,010.23
Payment
£305.64
Interest
£3,645.46
Ending Balance
£84,350.05
Total Paid So Far
£9,169.20
Starting Balance
£84,350.05
Payment
£305.64
Interest
£3,795.75
Ending Balance
£87,840.16
Total Paid So Far
£9,474.84
Starting Balance
£87,840.16
Payment
£305.64
Interest
£3,952.81
Ending Balance
£91,487.33
Total Paid So Far
£9,780.48
Starting Balance
£91,487.33
Payment
£305.64
Interest
£4,116.93
Ending Balance
£95,298.62
Total Paid So Far
£10,086.12
Starting Balance
£95,298.62
Payment
£305.64
Interest
£4,288.44
Ending Balance
£99,281.41
Total Paid So Far
£10,391.76
Starting Balance
£99,281.41
Payment
£305.64
Interest
£4,467.66
Ending Balance
£103,443.44
Total Paid So Far
£10,697.40
Starting Balance
£103,443.44
Payment
£305.64
Interest
£4,654.95
Ending Balance
£107,792.75
Total Paid So Far
£11,003.04
Starting Balance
£107,792.75
Payment
£305.64
Interest
£4,850.67
Ending Balance
£112,337.79
Total Paid So Far
£11,308.68
Starting Balance
£112,337.79
Payment
£305.64
Interest
£5,055.20
Ending Balance
£117,087.35
Total Paid So Far
£11,614.32
Starting Balance
£117,087.35
Payment
£305.64
Interest
£5,268.93
Ending Balance
£122,050.64
Total Paid So Far
£11,919.96
Starting Balance
£122,050.64
Payment
£305.64
Interest
£5,492.28
Ending Balance
£127,237.28
Total Paid So Far
£12,225.60
Total Years
40
Total Payments
£12,225.60
Total Interest
£111,962.82
Peak Annual Payment
£306
Total Interest Paid
£111,963
Payoff Year
Year 40
Enter an extra payment amount to see the impact
Annual Income
£32K
Monthly Payment
£0
Repayment Period
40 years
Total Interest
£132,450
Annual Income
£72K
Monthly Payment
£25
Repayment Period
40 years
Total Interest
£111,963
Your scenario
Annual Income
£252K
Monthly Payment
£138
Repayment Period
32 years
Total Interest
£24,268
Annual Income
£432K
Monthly Payment
£250
Repayment Period
13 years
Total Interest
£8,732
| Scenario | Monthly | Period | Interest | Total Cost |
|---|---|---|---|---|
| Conservative (-£10k) | £0 | 40 years | £132,450 | £0 |
| Current Income | £25 | 40 years | £111,963 | £12,226 |
| Optimistic (+£15k) | £138 | 32 years | £24,268 | £52,980 |
| Best Case (+£30k) | £250 | 13 years | £8,732 | £39,073 |
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