Student Loan Repayment Tracker

Wondering how long you’ll be paying off your student loan — and how much you’ll actually repay in total? Enter your salary and loan plan type to see your monthly deductions and projected payoff date.

How to use this calculator

Enter your current loan balance and annual salary.
Select your repayment plan (Plan 1, 2, 4, 5, or Postgraduate).
Set the interest rate on your loan (check your SLC statement).
The calculator projects your monthly repayments, total amount repaid, and how long it will take.
If the loan isn’t fully repaid in time, it shows the amount written off.

Loan details

Current balance (£)

Annual salary (£)

Plan

Interest (%)

Tax year

Monthly repayment

£0.00

	Amount
Monthly repayment	–
Annual repayment	–
Total repaid	–
Written off	–
Repayment period	–

Balance projection

UK Student Loan Repayment Plans Explained

Student loan repayments in the UK are collected automatically through PAYE when your income exceeds your plan’s repayment threshold. You repay 9% of everything you earn above the threshold. Postgraduate loans are repaid at 6%.

Repayment Thresholds 2025/26

Plan 1 (pre-2012 England/Wales, all NI/Scotland): £24,990/yr. Plan 2 (post-2012 England/Wales): £27,295/yr. Plan 4 (Scotland post-2021): £31,395/yr. Plan 5 (from 2023): £25,000/yr.

When Are Loans Written Off?

Plan 1 loans are written off 25 years after the April you were first due to repay (or at age 65, whichever is first). Plan 2 loans are written off after 30 years. Plan 5 loans are written off after 40 years. Remaining balances are cancelled — you won’t owe anything further.