Calculators for UK Students

Money is tight at university, and the rules around student finance can be confusing — so it helps to see the numbers clearly. Your student loan repayments depend on which plan you are on: most English students who started in 2023 or later are on Plan 5, which is repaid at 9% of income above £25,000 for up to 40 years, while earlier cohorts are usually on Plan 2 with a higher £28,470 threshold. Crucially, repayments are based on what you earn after you graduate, not on the size of your debt, and anything unpaid is written off at the end of the term. While studying, part-time and summer jobs are taxed like any other income, but with the £12,570 personal allowance most students pay little or no income tax — though you may overpay if your tax code is wrong, and can reclaim it. These calculators help you budget your maintenance loan across the term, understand future loan repayments, and start building savings habits early. All figures use current 2025/26 thresholds and rates.