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Student loan repayment planner
What comes out of your pay for each student loan plan in 2026/27, and what it does to your take-home.
Estimate for 2026/27, England, Wales and Northern Ireland tax with code 1257L. Thresholds from GOV.UK. Not advice.
Common questions
How much student loan do I repay?
9% of pay above your plan threshold, or 6% for a postgraduate loan.
What are the 2026/27 thresholds?
Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, postgraduate £21,000.
Is the loan ever written off?
Yes. Plan 2 after 30 years and Plan 5 after 40 years, so many people never repay in full.