Student loan repayment calculator
Work out estimated student loan deductions from your pay. Choose your plan and tax year; your loan balance is not needed.
Enter your details
Your calculation
Estimated annual student loan deductions£1,405.35
Annual gross £45,000.00 · annual take-home £34,514.25
Monthly view · updates as you change your details
- Take-home pay£2,876.19
- Income Tax£540.50
- National Insurance£216.20
- Pension£0.00
- Student loans£117.11
- Other sacrifice£0.00
| Component | Base pay | Selected calculation |
|---|---|---|
| Gross income | £45,000.00 | £45,000.00 |
| Income Tax | -£6,486.00 | -£6,486.00 |
| National Insurance | -£2,594.40 | -£2,594.40 |
| Pension contribution | £0.00 | £0.00 |
| Student loans | -£1,405.35 | -£1,405.35 |
| Other salary sacrifice | £0.00 | £0.00 |
| Take-home pay | £34,514.25 | £34,514.25 |
How to use this result
Choose your plan under deduction settings. Repayments depend on earnings, not your outstanding balance. Annual averages do not show every bonus-period deduction, write-off or refund.
Source: Read the official guidance. Checked 23 October 2026. Estimates are not personalised advice.
More tools and help
You may also find these calculators and pages useful.
To see what is left after your other deductions too, calculate pay after tax and student loans. Use the same tax year and loan plan.