Tax planner
Student Loan Repayment Calculator UK
Estimate UK student loan deductions by plan so you can see the real take-home impact of salary, bonus, and salary sacrifice before you move into the full tax planner.
Payroll deduction setup
Model the pay run, then see the student loan drag live
Start with the gross pay run, pick the student loan plan, then add pension details only if they change the payroll view.
Pay run
Step 1
What income should this deduction be based on?
Use annual salary for broad planning, or monthly/28-day/weekly pay if you want the per-period deduction to match payroll.
Loan plan
Step 2
Which student loan threshold applies?
The plan choice drives the deduction threshold. If you are unsure, start with Plan 2 for England/Wales undergraduate loans, then confirm against your Student Loans Company account.
Payroll refinements
Step 3
Add pension and tax code if they change take-home
Student loan deductions sit next to PAYE and pension in the real payslip, so keep these aligned before carrying the draft into Tax.
Current read
Where this student loan setup sits
Threshold check
Above threshold by £35,415.00
Repayments start once earnings move above £29,385.00 for Plan 2.
Plan threshold
£29,385.00
9% repayment rate
Effective tax drag
28.6%
Tax, NI, and student loan combined on the current setup
Next move
£291.60 a year of student loan could be avoided via salary sacrifice
With the same pension rate routed through payroll sacrifice, take-home improves by about £356.40 a year in this setup.
Student loan saved via salary sacrifice
£291.60
Comparison uses the same pension rate routed through payroll sacrifice
Net take-home lift
£356.40
Estimated annual improvement if payroll sacrifice is available
Save this loan estimate
Keep this student loan estimate
Save the salary, pension, and loan plan together so the Tax planner can compare student loan, PAYE, and salary sacrifice effects.
Annual loan
£3,187.35
Pay cadence, plan threshold, pension mode, and take-home stay aligned.
What saving unlocks
Keep the student loan setup and compare it with salary sacrifice.
Keep the loan setup and compare it properly with pension mode, salary sacrifice, and take-home pay.
Keep this result
Save the editable version, or email yourself the read first.
No account needed for the email summary.
Save or share this student loan read
Plan 2 deduction £3,187.35 a year. Projected monthly take-home £3,584.17.
Who this helps
Who this student loan calculator is for
Why student loan belongs next to ANI and salary sacrifice
What this helps you decide
Built for UK student loan deduction checks
Use this when the main question is how much of salary, bonus, or overtime is actually left once the plan threshold is applied.
Student loan changes take-home, not ANI
This page keeps the student loan deduction separate from ANI so you can see the cash effect without confusing it with threshold tests like HICBC or the £100k taper.
Useful before salary sacrifice decisions
Salary sacrifice can change student loan deductions as well as tax and NI, so this is the right tool before you rely on the headline pension figure alone.
A clean route into the broader tax planner
Once the student loan setup looks right, Seedli carries the same pay, bonus, and plan settings into the full tax planner instead of making you start again.
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
Related calculators and guides in the same take-home cluster
Salary sacrifice calculator
Use this when payroll pension is the main lever and you want to compare the student-loan effect with the ANI effect.
Plan 1 vs Plan 2 vs Plan 4 vs Plan 5 repayment guide
Use this if the first blocker is understanding which student loan threshold actually applies to your plan.
Postgraduate loan repayment calculator UK
Use the postgraduate guide when your deduction sits on the separate postgraduate threshold rather than an undergraduate plan.
Tax and payslip planner
Open the broader tax planner when salary, PAYE, pension, student loan, and ANI all need to stay connected.
Budget planner
Move into budget when the real question is what the post-deduction take-home means for the monthly plan.
Save this setup in Seedli
Save the student loan result once the payroll read is right
Useful guides
Supporting pages around the same student loan repayment questions
Use these when the query is more specific than “student loan repayment calculator” and you want the plain-English explanation before opening the broader tax planner.
Plan 1 vs Plan 2 vs Plan 4 vs Plan 5 student loan repayment
See how the main UK student loan plans differ so you can map the right threshold and repayment drag to your pay.
Postgraduate loan repayment calculator UK
Check the separate postgraduate threshold and why it changes the real cash read on salary growth and pension decisions.
Does salary sacrifice reduce student loan repayments?
Use this when the live question is whether payroll pension changes will reduce student loan deductions as well as tax.
Salary sacrifice calculator
Compare the payroll pension route when the next question is the take-home effect of changing deductions, not just the student loan threshold.
Tax and payslip planner
Open the broader tax planner when salary, PAYE, pension, and student loan all need to be tested together in one baseline.
Keep this student loan read
£3,187.35 a year, £3,584.17 monthly net