Money Tools UK
Student Loan Calculator
Estimate your UK student loan repayments for 2025/26.
Trust & transparency
Why trust these calculations?
How Money Tools UK keeps every calculator accurate, current and transparent.
UK tax year 2025/26
Calculations use the current UK tax year bands, allowances and thresholds for England, Wales and Northern Ireland.
HMRC-aligned thresholds
Personal allowance, NI primary/upper limits, dividend bands, corporation tax and SDLT bands follow published HMRC rates.
Regularly updated
Rates are reviewed each Budget and Autumn Statement, then refreshed across every calculator on this site.
Transparent assumptions
Each tool documents its inputs, formulas and edge cases — no hidden fudge factors or marketing-led numbers.
Educational purpose
Results are estimates for guidance and learning only and are not personal tax, legal or financial advice.
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