Student loan guide
Student loan repayment calculator UK
Who this helps
The student loan question this page answers
Why student loan belongs in the tax cluster even though it does not change ANI
What this helps you decide
Plan 1 threshold: £26,065.00
Useful if older undergraduate borrowing still sits on payroll under Plan 1.
Plan 2 threshold: £28,470.00
Still the main threshold for many higher earners comparing pay rises or salary sacrifice.
Plan 5 threshold: £25,000.00
Worth checking because the lower threshold can make marginal pay increases feel weaker.
Postgraduate threshold: £21,000.00
Postgraduate deductions stack differently again, so they should be included before relying on take-home.
Common questions
Do student loan repayments depend on the tax year?
Yes. Repayment thresholds vary by plan and tax year, so the same salary can produce a different deduction once thresholds change.
Do student loan deductions affect adjusted net income?
No. Student loan deductions change take-home pay, but they do not reduce adjusted net income. That is why they matter for affordability rather than the ANI threshold itself.
Why does student loan matter in a salary-sacrifice decision?
Because salary sacrifice can reduce the pay figure used for payroll deductions, it can change student loan repayments as well as tax and National Insurance.
Which plans matter for UK employees now?
For current UK payroll planning the main plans to check are Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate, each with its own repayment threshold and rate.
Related calculators
Where to go once student loan is part of the take-home problem
Tax and payslip planner
Use the wider tax planner when you want salary, PAYE, pension, and student loan anchored in one place.
Salary sacrifice calculator
Use the payroll comparison when you need to see how sacrifice changes both pension funding and payroll deductions.
£100k tax trap calculator
Use this when the same pay rise is also pushing ANI into the personal allowance taper band.
Budget planner
Move into budget when the real question is whether the post-deduction take-home still supports the monthly plan.
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