英國學生貸款還款計算器
檢視 Plan 1、2、4、5 或研究生貸款每月要還多少。
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使用方法
- 1填寫各項
輸入數字或選擇所需選項。
- 2檢視結果
更改任何值時，答案會立即更新。
- 3使用結果
複製結果或記下來。不會向任何地方傳送任何內容。
About this tool
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.
計算示例
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.
獲得最佳結果的提示
在相信結果之前先檢查每一個輸入項，因為一個錯誤的數字就會改變整個答案。請使用工資單、賬單、證書或合同上的準確數字，並記下計算日期。稅率、門檻和規則會不時變化，因此對於稅費和法律事務，請將結果視為估算，並與本頁註明的官方來源核對。您可以嘗試任意多個方案；不會儲存或傳送任何內容，重新整理頁面會清空輸入。
要點
常見問題
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.