Student Loan Repayment Calculator 2026/27: Plans 1, 2, 4 and 5
Choose your plan and enter your salary to see your repayments each month and year, alongside your income tax, National Insurance and take-home pay.
Take-home pay
£0.00a year
£0.00a month
Enter your salary to see your take-home pay.
- Effective rate
- 0%
- Marginal rate
- 0%
Based on HMRC rates for the 2026/27 tax year.
Student loan repayments and take-home pay
| Item | Year | Month | Week | Day | Hour |
|---|---|---|---|---|---|
| Gross pay | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Income tax | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| National Insurance | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Student loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Postgraduate loan | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Pension | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
| Take-home pay | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
Income tax by band
| Band | Rate | Income | Tax |
|---|---|---|---|
| Income tax a year | £0.00 | ||
Cost to your employer
- Employer National Insurance
- £0.00
- Total cost to employer
- £0.00
Yearly figures
Student loan repayment thresholds 2026/27
You repay 9% of your pay above your plan's threshold, and 6% above the threshold for a postgraduate loan.
| Plan | Threshold a year | A month | A week | Rate |
|---|---|---|---|---|
| Plan 1 | £26,900 | £2,241.66 | £517.30 | 9% |
| Plan 2 | £29,385 | £2,448.75 | £565.09 | 9% |
| Plan 4 | £33,795 | £2,816.25 | £649.90 | 9% |
| Plan 5 | £25,000 | £2,083.33 | £480.76 | 9% |
| Postgraduate loan | £21,000 | £1,750 | £403.84 | 6% |
Student loan repayments on example salaries
Repayments a month on each plan.
| Salary | Plan 1 | Plan 2 | Plan 4 | Plan 5 | Postgraduate |
|---|---|---|---|---|---|
| £25,000 after tax | £0.00 | £0.00 | £0.00 | £0.00 | £20.00 |
| £30,000 after tax | £23.25 | £4.61 | £0.00 | £37.50 | £45.00 |
| £35,000 after tax | £60.75 | £42.11 | £9.04 | £75.00 | £70.00 |
| £40,000 after tax | £98.25 | £79.61 | £46.54 | £112.50 | £95.00 |
| £50,000 after tax | £173.25 | £154.61 | £121.54 | £187.50 | £145.00 |