Student loan repayment calculator
Pick your plan and enter your salary to see what comes out of your pay in 2026/27.
- Plan 1 repay above
- £26,900
- Plan 2 repay above
- £29,385
- Plan 4 (Scotland) above
- £33,795
- Plan 5 repay above
- £25,000
- HMRC 2026/27 rates
- Private: nothing leaves your device
- Free, no sign-up
Monthly repayments by salary
| Salary | Plan 1 | Plan 2 | Plan 4 | Plan 5 | Postgrad |
|---|---|---|---|---|---|
| £25,000 | £0 | £0 | £0 | £0 | £20 |
| £30,000 | £23 | £5 | £0 | £38 | £45 |
| £35,000 | £61 | £42 | £9 | £75 | £70 |
| £40,000 | £98 | £80 | £47 | £113 | £95 |
| £50,000 | £173 | £155 | £122 | £188 | £145 |
| £60,000 | £248 | £230 | £197 | £263 | £195 |
- Plan 5
- Plan 1
- Plan 2
- Plan 4
- Postgraduate
Repayment thresholds for 2026/27
- Plan 1: 9% of earnings over £26,900
- Plan 2: 9% of earnings over £29,385
- Plan 4 (Scotland): 9% of earnings over £33,795
- Plan 5: 9% of earnings over £25,000
- Postgraduate loan: 6% of earnings over £21,000
Which plan costs the most?
Plan 5 has the lowest threshold and the longest term. Plan 4 in Scotland has the highest threshold. See every plan side by side.
See your full payslip with the loan included in the take-home pay calculator.
Questions people ask
Which student loan plan am I on?
Plan 1 if you started in England or Wales before September 2012, or in Northern Ireland. Plan 2 if you started in England or Wales between September 2012 and July 2023. Plan 4 if you studied in Scotland. Plan 5 if you started in England from August 2023. Your payslip or your Student Loans Company account shows it.
Is student loan taken from gross or net pay?
From gross pay, before income tax, but only on earnings above your plan's threshold. Salary sacrifice pension lowers the pay it is worked out on.
Can I have two plans at once?
Yes. With an undergraduate loan and a postgraduate loan you repay both, 9% above the undergraduate threshold and 6% above £21,000.