Kalkulator Pembayaran Pinjaman Mahasiswa Inggris
Lihat berapa yang Anda bayar setiap bulan pada Plan 1, 2, 4, 5 atau pinjaman pascasarjana.
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Cara melakukannya
- 1Isi kolomnya
Ketik angka Anda atau pilih opsi yang dibutuhkan.
- 2Lihat hasilnya
Jawaban langsung diperbarui saat Anda mengubah nilai.
- 3Gunakan
Salin hasilnya atau catat. Tidak ada yang dikirim ke mana pun.
Tentang alat ini
Pick your plan and enter your yearly pay. You repay 9 percent of income above the plan threshold (6 percent for a postgraduate loan). Add your balance to see roughly how many years it takes without interest. Rates and thresholds are for the 2026-27 tax year and can change. A guide only, check gov.uk for the official figures.
The thresholds
The 2026-27 yearly thresholds used here are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4, £25,000 for Plan 5 and £21,000 for a postgraduate loan. Repayments are taken from pay above the threshold, so a pay rise increases them only on the extra.
Example
On a Plan 2 loan and £40,000 pay, 9 percent of £10,615 is about £955 a year, or £80 a month.
Tips
Most loans are written off after 25 to 40 years depending on the plan, so many people never repay the full balance. Check your plan on your Student Finance account before you rely on a result.
Contoh perhitungan
With the boxes at their starting values (Yearly pay before tax (£): 40000; Loan plan: Plan 1; Loan balance (£, optional): 0), the tool shows: Per month (£): 98.25; Per week (£): 22.67; Plan threshold (£): 26,900; Pay above the threshold (£): 13,100; Repayment per year (£): 1,179. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.
Tips untuk hasil terbaik
Periksa setiap kolom sebelum mengandalkan hasil, karena satu angka yang salah mengubah seluruh jawaban. Pakai angka persis dari slip gaji, tagihan, sertifikat, atau kontrak Anda, dan catat tanggal Anda menghitung. Tarif, ambang batas, dan aturan berubah dari waktu ke waktu, jadi untuk urusan pajak, biaya, dan hukum perlakukan hasil sebagai perkiraan dan konfirmasikan dengan sumber resmi yang disebut di halaman ini. Anda dapat mencoba skenario sebanyak yang Anda mau; tidak ada yang disimpan atau dikirim, dan memuat ulang halaman mengosongkan kolom.
Fakta singkat
- Kategori: Inggris & AS
- Berfungsi di browser Anda, tanpa daftar, tanpa unggah.
- Masukan Anda tetap di perangkat Anda.
- Tersedia dalam bahasa Inggris.
- Konten terakhir ditinjau:
- Sumber resmi: GOV.UK
Pertanyaan yang sering diajukan
Which plan am I on?
It depends on where and when you started: Plan 1 and Plan 4 for older or Scottish courses, Plan 2 for England and Wales from 2012, Plan 5 from 2023. Your loan statement shows it.
Do I pay both a student loan and a postgraduate loan?
Yes. If you have both, you pay 9 percent over the first threshold and 6 percent over the postgraduate threshold. Run the calculator twice and add the two.
Does interest affect the result?
The years estimate ignores interest, so a real payoff takes longer. Interest does not change the monthly amount, which is set by your pay.
Is this the amount taken by my employer?
Yes, employers take it through payroll with your tax and NI. Self-employed people pay through the tax return.