UK Student Loan Repayment Calculator — Overpay vs Invest
Work out whether paying the minimum, overpaying, or investing the difference leaves you wealthier by your loan's write-off date. Built on real UK Student Finance rules for Plan 1, Plan 2, Plan 4, Plan 5 and the Postgraduate Loan — with the correct repayment thresholds, RPI-linked interest and write-off timelines.
- Compare four strategies: standard repayment, monthly overpayments, a one-off lump sum, and investing instead
- Income-based repayments that adjust as your salary grows
- See your likely lifetime repayment, the interest you'd save, and how much is written off
- Model a Stocks & Shares ISA or pension as the alternative to overpaying
This interactive calculator requires JavaScript. Please enable it to run your figures. Estimates only — not financial advice. Actual Maths, a product of Asantagram Ltd.