英国学生贷款还款计算器
查看 Plan 1、2、4、5 或研究生贷款每月要还多少。
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使用方法
- 1填写各项
输入数字或选择所需选项。
- 2查看结果
更改任何值时，答案会立即更新。
- 3使用结果
复制结果或记下来。不会向任何地方发送任何内容。
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.
计算示例
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.
获得最佳结果的提示
在相信结果之前先检查每一个输入项，因为一个错误的数字就会改变整个答案。请使用工资单、账单、证书或合同上的准确数字，并记下计算日期。税率、门槛和规则会不时变化，因此对于税费和法律事务，请将结果视为估算，并与本页注明的官方来源核对。您可以尝试任意多个方案；不会保存或发送任何内容，刷新页面会清空输入。
要点
常见问题
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.