The Student Finance Calculator

To discover the true cost of university, the Student Finance Calculator considers factors like your income, wage growth, inflation, and interest rates to show what your student loan payments will look like until they’re either paid off or forgiven. Enter your details below, and let the calculator do the rest!

University start year

University course length

Student loan debt (£)

Annual Salary (£)

Extra monthly payments (£, optional)

Initial lump payment (£, optional)

Pension Contributions (%, optional)

Find Optimal Overpayments?

Search for optimal payments up to:

Max Lump Sum to Test (£)

Max Extra Monthly to Test (£)

Your detailed repayment forecast will appear here once you calculate.

Your Results

Graduation Year

Loan Forgiven In (from April following graduation)

Your Initial Interest Rate

Repayment Details

What you will repay (Standard)

Monthly Repayments Start At

Total Repaid / Forgiven After

Paid Off / Forgiven In

User ID for this calculation: -

The Student Finance Calculator

Your Results

Repayment Details

What you will repay (Standard)

What you will repay (With Additional Payments)

Detailed Repayment Schedule