Student loan repayment calculator 2026/27

How much comes out of your pay for each loan plan – and the combined deduction if you hold a postgraduate loan on top.

Notes

Undergraduate plans take 9 percent of income above their threshold; postgraduate loans take 6 percent above £21,000 and stack on top. Deductions are made per pay period, so a bonus month can trigger repayments even on a lower annual salary. Not sure which plan you hold? The student loans guide maps plans to start dates and nations.