Student loan guide
Postgraduate loan repayment calculator UK
Who this helps
The postgraduate repayment question this page answers
Why postgraduate loan needs its own step before broader tax planning
What this helps you decide
Separate threshold and repayment rate
Postgraduate borrowing should not be assumed to behave like Plan 1, 2, 4, or 5. It follows its own payroll rules.
Take-home can move faster than expected
Because postgraduate loan stacks on top of other deductions, bonus and salary changes can feel weaker in cash terms than the gross number suggests.
Salary sacrifice may still help
If payroll sacrifice is available, it can reduce postgraduate deductions as well as tax and NI, which is why the comparison belongs in the same flow.
Useful before carrying the baseline into tax
The live calculator is the cleaner way to carry postgraduate deductions into the wider Seedli tax workflow.
Common questions
Is postgraduate loan repayment separate from the main student loan plans?
Yes. Postgraduate loan deductions have their own threshold and rate, so they should be modelled separately rather than assumed to behave like undergraduate plans.
Why does postgraduate loan matter in take-home planning?
Because it stacks on top of tax and National Insurance and can materially change how much of a bonus or salary increase you actually keep.
Can salary sacrifice change postgraduate loan deductions?
Often yes. If salary sacrifice reduces the pay figure used in payroll calculations, it can also reduce postgraduate loan deductions.
Where should I go after this page?
Use the live student loan calculator first, then open the salary sacrifice calculator or the broader tax planner if the decision is tied to payroll changes.
Related calculators
Where to go after the postgraduate guide
Student loan repayment calculator UK
Use the live calculator to see the postgraduate deduction in pounds and carry the setup into Tax.
Does salary sacrifice reduce student loan repayments?
Use this when the next decision is whether payroll pension changes improve the deduction as well as ANI or NI.
Salary sacrifice calculator
Use the salary sacrifice calculator when the payroll-pension route is realistically available through work.
Budget planner
Move into budget when the real issue is how the postgraduate deduction changes the monthly cash plan.
Save this setup in Seedli