UK student finance calculators

Three calculators that explain the parts of UK student finance that the official tools won't. Source-cited, no account required, results visible without sign-in. Built on 2025-26 rates and updated when new thresholds are published.

Student loan repayment

See what you repay each year and whether you ever clear the balance. Stack Plan 1 / 2 / 4 / 5 and a postgraduate loan together — the case nobody else handles well.

For: Anyone with — or about to take — a UK student loan

Maintenance loan estimator

How much maintenance loan you can borrow based on your household income, region (England / Scotland / Wales / NI) and where you’ll live during term.

For: Prospective UK undergraduates

Marginal take-home

What an extra £1 of salary actually becomes after income tax, NI and every active student loan plan. Shows the £100k personal-allowance cliff most calculators ignore.

For: Graduates with one or more loans planning their next pay rise