Inputs
Estimate PAYE student loan repayments from gross income. This is an annual estimate; actual payroll deductions can differ because PAYE is calculated per pay period and rounded down.
Last updated: 2025-04-06
Enter before-tax income. For PAYE employees, this is usually salary before deductions.
Results
Results for 2025/26 · Frequency: annual
Enter gross income to see your estimated repayments for 2025/26.
Understanding this calculator
Select your plan (1, 2, 4, 5 or Postgraduate) and enter your annual income. The calculator estimates how much you will repay via PAYE. Repayments are calculated as a percentage of income above the plan’s threshold. For example, Plan 2 repayments are 9% of income above £27,295 (2025/26 threshold).
The results show annual, monthly and weekly deductions. They do not include rounding that occurs on payslips, so your actual deductions may vary slightly. You can adjust the tax year and nation to explore different scenarios.
How student loan repayments work
Undergraduate plans (1, 2, 4, 5) have thresholds and repayment rates set by the Student Loans Company. You repay 9% of income above your plan’s threshold. Postgraduate loans are repaid at 6% of income above £21,000. If you have both an undergraduate and postgraduate loan, the percentages are added.
Repayments continue until the loan is cleared or written off after a set number of years. Interest rates depend on your plan and inflation. This calculator only estimates PAYE deductions; Self Assessment repayments and overseas repayment schedules differ.
Frequently asked questions
- Why is my monthly repayment different from the annual estimate?
- PAYE student loan deductions are rounded down to the nearest penny each pay period. The annual estimate may differ when 52 weekly deductions or 12 monthly deductions are summed.
- What happens if I switch plans?
- Your repayment threshold and loan balance depend on the type of loan you have. You cannot switch plans, but you may have multiple plans if you took loans under different schemes.
- Does this include postgraduate loans?
- Yes. Select the Postgraduate option to include a 6% deduction on income above the postgraduate threshold.
Sources & updates
Thresholds and rates are based on Student Loans Company guidance for 2025/26. Last updated April 2025. See ourMethodology for more information.
Estimates only – not financial advice.