UK · 2026/27

UK Student Loan Repayment Calculator 2026/27

Estimate payroll student-loan or postgraduate-loan deductions using official 2026/27 repayment thresholds.

Tax year 6 April 2026–5 April 2027Pounds sterlingRules & assumptions ↓

Your inputs

Your results

Enter your values and calculate to see the result.

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Official 2026/27 thresholds

Plan 1 uses £26,900, Plan 2 £29,385, Plan 4 £33,795 and Plan 5 £25,000. Those plan types deduct 9% above the relevant threshold. Postgraduate Loan uses a £21,000 threshold and 6% rate.

Multiple loan types

A borrower can have an undergraduate plan and a Postgraduate Loan at the same time. Payroll treatment for multiple undergraduate plan types is not simply another 9% for each plan, so use this page as a single-plan planning estimate.

Browse UK salary, PAYE and payroll calculators.

How to use this calculator

  1. Set Annual earnings (default 40000).
  2. Set Plan threshold (Plan 1 £26,900; Plan 2 £29,385; Plan 4 £33,795; Plan 5 £25,000; PGL £21,000) (default 29385).
  3. Set Repayment rate (9 for Plans 1/2/4/5; 6 for PGL) (default 9).
  4. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Payroll can differ because PAYE and National Insurance are normally calculated per pay period and can depend on tax code, category letter and individual circumstances.

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