LEARNING & SCIENCE

Student finance calculators

Free UK student finance calculators for student loan repayments and maintenance loans, plus education loan interest and repayments.

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Student loan repayment calculatorStudent loan repayment calculator for the UK: monthly repayments on Plan 1, 2, 4, 5 or a Postgraduate Loan, and whether your loan will be written off.Student loan payoff calculatorCalculate how quickly your UK student loan will be repaid or written off based on your salary growth, Plan 1, 2, 4, 5, or Postgraduate terms.Education loan repayment calculatorEducation loan repayment calculator: work out the monthly repayment, total interest and total cost of a fixed-term education or study loan.Maintenance loan calculatorMaintenance loan calculator for UK students in England: estimate your 2026 to 2027 Maintenance Loan from household income and where you'll live.Student loan payoff calculator (US)Calculate how extra monthly payments and lump sums accelerate your federal or private student loan payoff and save thousands in interest.Student loan interest calculator (US)Calculate total and daily simple interest charges on US federal and private student loans over standard and extended repayment terms.Student loan interest tax deduction calculator (US)Calculate your IRS Form 1040 Schedule 1 student loan interest deduction (up to $2,500) and tax savings based on your MAGI.How much student loan can I get? (US)Determine your maximum federal Direct Subsidized and Unsubsidized borrowing limits based on your college year and dependency status.Student loan eligibility calculator (US)Check Title IV federal student aid eligibility: FAFSA citizenship, enrollment status, aggregate borrowing limits, and SAP requirements.Student loan early repayment calculator (US)Calculate how early prepayments reduce interest and shorten your federal or private student loan term with zero prepayment penalty.Advanced student loan repayment calculator (US)Comprehensive US student loan projection: compare Standard 10-year, Graduated, Extended, and IDR (SAVE/PAYE/IBR) plans with career income growth.Student loan APR calculator (US)Calculate the true Annual Percentage Rate (APR) on US student loans including upfront federal origination fees (1.057%/4.228%) and compounding.Student loan compound interest calculator (US)Calculate simple daily interest accrual and capitalization events on US federal and private student loans over time.Daily interest student loan calculator (US)Calculate daily simple interest accrual on US federal student loans using the standard statutory formula ($I = P × R/365.25 × D$).Is student loan interest calculated daily? (US)Understand how US federal and private student loans use daily simple interest and how interest capitalizes when exiting grace periods.Student loan amount calculator (US)Calculate total borrowing capacity and affordable loan amount based on post-graduation income and target monthly payment.Student loan balance calculator (US)Track your remaining US student loan principal and amortization progress after a set number of monthly payments.Student loan calculator multiple loans (US)Aggregate multiple federal and private student loans and calculate payoff order using Debt Avalanche (highest interest) or Debt Snowball.Student loan refinance calculator (US)Calculate interest savings and new monthly payments from refinancing high-interest student loans into a lower-rate private loan.Student loan end date calculator (US)Calculate the exact month and year your federal or private student loan will be completely paid off at your current payment rate.Student loan fee calculator (US)Calculate federal origination fees deducted from Direct Subsidized/Unsubsidized (1.057%) and PLUS loans (4.228%) to find net funds received.Student loan forgiveness tax calculator (US)Calculate estimated federal and state tax liability (the 'tax bomb') on forgiven income-driven repayment (IDR) student loan balances.Student loan lump sum payment calculator (US)Calculate interest savings and loan term reduction from applying a one-time lump-sum payment to your student debt.Deferred student loan calculator (US)Calculate interest accrual and capitalization during federal in-school deferment and economic hardship forbearance periods.Education loan tax benefit calculator (US)Calculate tax savings under IRC Section 221 (up to $2,500 above-the-line deduction for student loan interest) based on your federal tax bracket.Graduated student loan repayment calculator (US)Calculate payments under the official US Federal Graduated Repayment Plan: payments start low and increase every two years over 10 to 30 years.Simple student loan calculator (US)A straightforward, easy-to-use loan calculator to find your monthly payment and total interest on federal or private student loans.Student loan comparison calculator (US)Compare Standard 10-year repayment vs Income-Driven Repayment (SAVE/PAYE/IBR) vs Private Refinancing on monthly payment and total cost.Calculate interest-only payments student loan (US)Calculate monthly interest-only payments on US Unsubsidized Direct loans and private loans while in school to prevent interest capitalization.Student loan interest calculatorCalculate annual and monthly interest accrual on UK student loans across Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loans.Study loan interest calculatorStudy loan interest calculator: see the total interest, first-year interest and monthly payment on a fixed-term study or education loan.Student loan tax deduction calculatorUnderstand how UK student loan deductions interact with PAYE income tax, National Insurance, and salary sacrifice arrangements.How much student loan calculatorFind out how much student finance you can get in the UK: tuition fee loans (£9,535) and living cost maintenance loans based on household income.Student loan eligibility calculatorCheck your eligibility for UK student finance: ordinary residence, settled status, previous study 'gift year' rules, and course level.Student loan early repayment calculatorEvaluate whether voluntary early overpayments on your UK student loan will save money or be wasted before the 30/40-year statutory write-off.Education loan prepayment calculatorEducation loan prepayment calculator: see how much interest and time you save by paying extra on a fixed-term education loan.Federal student loan calculatorCalculate monthly payments and total interest for US Department of Education Direct Subsidized and Unsubsidized federal student loans.HELP loan calculatorCalculate compulsory repayment amounts and timelines for Australian HECS-HELP student loans and university study debt based on income.Calculate income based student loan repaymentCalculate monthly payments for US federal student loans under income-driven repayment plans (SAVE, PAYE, IBR, and ICR) based on AGI and family size.APR student loan calculatorCalculate the effective APR on UK commercial and private education loans and compare against government income-contingent interest rates.Student loan compound interest calculatorSee how interest compounds on your UK student loan balance over time and whether your repayments exceed monthly interest accumulation.Daily interest student loan calculatorCalculate exact daily interest accrual on UK student loans and see how much interest is added to your statement each month.Public student loan forgiveness calculatorEstimate your 120 qualifying payments, monthly IDR amounts, and tax-free loan cancellation under the US Public Service Loan Forgiveness (PSLF) program.Is student loan interest calculated daily?Learn how the UK Student Loans Company calculates interest daily and charges it monthly, and see the exact daily cost for your balance.Student loan forgiveness tax calculatorLearn how UK student loan statutory write-offs after 25, 30, or 40 years are 100% exempt from HMRC income tax.Student loan end date calculatorFind out your exact UK student loan cancellation date (25, 30, or 40-year write-off) versus estimated date of paying it off in full.Student loan lump sum payment calculatorEvaluate if paying a lump sum toward your UK student loan actually saves money or will be wasted before the 30/40-year write-off.Student loan calculator for multiple loansCalculate combined payroll deductions when repaying multiple UK student loans simultaneously (e.g. Plan 1 + Plan 2, or Plan 2 + Postgraduate loan).Student loan fee calculatorUnderstand fees and charges on UK student finance: 0% arrangement fees on government loans vs fees on commercial study loans.Student loan balance calculatorProject your future UK student loan balance over 5, 10, 15, and 20 years based on salary deductions versus interest additions.Student loan amount calculatorWork out how much student loan debt you will accumulate across tuition and maintenance loans over a 3 or 4-year UK degree.Advanced student loan repayment calculatorDetailed multi-year career projection for UK student loans: salary inflation, changing repayment thresholds, interest capitalization, and write-off countdown.Student loan refinance calculatorCompare commercial loan refinancing with UK Student Loans Company debt to see why refinancing usually loses valuable income-contingent protection.Education loan tax benefit calculatorReview UK tax rules for student loan repayments, employer repayment assistance schemes, and salary sacrifice guidance.Education loan calculator with moratorium periodCalculate total interest accrual and adjusted EMI for education loans with a study moratorium period (course duration plus grace period).Education loan amount calculatorFind out how much education loan you can afford to borrow based on your target monthly repayment, interest rate and tenure.Calculate unsubsidized loan interestCalculate in-school daily interest accumulation and capitalization for US Direct Unsubsidized federal student loans.Credit union PLUS loan calculatorCalculate monthly payments, interest charges, and payoff timelines for Credit Union student loans and Federal Parent/Grad PLUS loans.Student loan comparison calculatorCompare UK student loan plans side by side (Plan 1 vs Plan 2 vs Plan 4 vs Plan 5 vs Postgraduate) on thresholds, interest, and write-off terms.Deferred student loan calculatorCalculate payment suspension rules when your income drops below the repayment threshold on UK student loans, and what a deferral costs.Simple student loan calculatorA simple, beginner-friendly calculator to quickly check your monthly UK student loan deduction based purely on your annual salary.Graduated student loan repayment calculatorProject UK student loan repayments as your career progresses along a graduated graduate earnings curve, year by year.Education loan compound interest calculatorEducation loan compound interest calculator: see how interest compounds on a study loan while you aren't making repayments, such as during your course.Education loan foreclosure calculatorCalculate the early settlement amount, penalty fees, and net interest saved by foreclosing or settling your education loan early.Education loan comparison toolCompare two education loans side by side on monthly payment, interest rate, fees and total cost to choose the best study loan.Education loan eligibility calculatorEducation loan eligibility calculator: estimate how much you could borrow for study from the monthly repayment you can afford, the rate and the term.Education loan tenure calculatorWork out how many months or years it will take to pay off your education loan based on your principal, interest rate, and monthly payment.Education loan balance calculatorCheck your remaining education loan principal balance and amortization progress after a number of monthly payments.Federal student loan daily interest calculatorCalculate exact daily simple interest accrual ($I = P × R/365.25 × D) on US Direct Subsidized and Unsubsidized student loans.Federal student loan payoff calculatorCalculate how extra monthly payments or one-off lump sums shorten your federal student loan payoff date and save interest.Federal student loan eligibility calculatorCheck annual and aggregate borrowing limits for US Direct Subsidized and Unsubsidized federal student loans by year and dependency status.Federal student loan origination fee calculatorCalculate the statutory origination fee deducted from US Direct Loans (1.057%) and PLUS loans (4.228%) to determine net disbursements.IBR loan forgiveness calculatorCalculate monthly payments and remaining balance forgiven after 20 or 25 years under the US Federal Income-Based Repayment (IBR) plan.How to calculate max loan ICRCalculate the maximum payment cap under the US Federal Income-Contingent Repayment (ICR) plan: 20% discretionary income vs 12-year income-factored payment.Calculate interest only payments student loanCalculate how much monthly payment would be needed to service the monthly interest on a UK student loan and freeze balance growth.

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Planned student finance calculators

Calculators we're building next in this category.

01Postgraduate loan repayment calculatorPlanned
02Tax and student loan calculatorPlanned
03Plan 2 student loan calculatorPlanned
04Student loan repayment calculator plan 1Planned
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07Advanced learner loan repayment calculatorPlanned
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12Student loan plan 4 calculatorPlanned
13Maintenance loan eligibility calculatorPlanned
14Interest calculator postgraduate student loan ukPlanned
15Income tax calculator postgraduate loanPlanned
16Interest calculation plan 2 student loanPlanned
17Maintenance loan calculator interestPlanned

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