Answers · UK 2025/26
How much is my Plan 5 student loan repayment on a £90,000 salary?
On a £90,000 salary in 2026/27, a Plan 5 student loan repayment is £5,850 for the year (9% of the £65,000 above the £25,000 threshold), leaving take-home pay of £56,907.40 a year after Income Tax, National Insurance and the loan repayment -- about £4,742.28 a month.
Full answer
Plan 5 (post-2023 English students) loans are repaid at 9% of income above a 2026/27 threshold of £25,000. On a £90,000 salary, the amount above the threshold is £65,000, so the annual repayment is 9% of £65,000, which is £5,850, or £487.50 a month, deducted automatically through PAYE alongside Income Tax and National Insurance. The underlying Income Tax on £90,000 is £23,432 and National Insurance is £3,810.60, so total deductions including the loan repayment are £33,092.60, leaving take-home pay of £56,907.40 a year, around £4,742.28 a month. Because the loan repayment stacks on top of Income Tax and National Insurance, the combined marginal deduction on each extra pound earned above the threshold is 9 percentage points higher than someone without a student loan, which is worth remembering when weighing up a pay rise, bonus sacrifice, or extra freelance work. Use the Student Loan Repayment calculator to model this alongside your Income Tax and National Insurance.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.