{ "schemaVersion": "1.0", "name": "The UK Student Loan Calculator", "origin": "https://student-loan-calculator.co.uk", "delivery": "WebMCP tools on an open top-level page in a compatible browser. No hosted API endpoint.", "rules": { "id": "2026-09-release", "taxYear": "2026/27", "referenceYear": 2026, "effectiveFrom": "2026-09-01" }, "tools": [ { "name": "studentcalc_salary_deductions", "title": "UK salary deductions", "description": "Estimate annual UK income tax, employee National Insurance, single-plan student loan repayment and take-home pay using The UK Student Loan Calculator released rules. Standard personal allowance; no pension, bonus, benefits, other deductions or tax-code overrides. Annualised, not a payslip. Pure calculation; does not edit the page or save financial inputs.", "inputSchema": { "type": "object", "properties": { "annualSalary": { "type": "number", "minimum": 0, "maximum": 1000000, "description": "Annual gross employment salary in GBP, before deductions. No bonus, pension or other income." }, "taxRegion": { "type": "string", "enum": [ "england_wales_ni", "scotland" ] }, "studentLoanPlan": { "type": "string", "enum": [ "none", "plan1", "plan2", "plan4", "plan5", "postgrad" ], "description": "Known loan plan. Concurrent undergraduate and postgraduate loans are unsupported." } }, "required": [ "annualSalary", "taxRegion", "studentLoanPlan" ], "additionalProperties": false }, "calculatorUrl": "https://student-loan-calculator.co.uk/income-tax", "output": { "currency": "GBP", "period": "annual", "fields": [ "ok", "contractVersion", "rules", "annual", "monthlyEquivalent", "jurisdiction", "sources", "ruleProvenance", "assumptions" ] } }, { "name": "studentcalc_loan_repayment", "title": "Student loan repayment", "description": "Estimate annual and monthly-equivalent UK student loan repayments for a known single plan and gross annual employment salary. Does not project loan balance, interest, write-off, overseas repayment or concurrent loans. Use The UK Student Loan Calculator website for fuller scenarios. Pure calculation; does not edit the page or save financial inputs.", "inputSchema": { "type": "object", "properties": { "annualSalary": { "type": "number", "minimum": 0, "maximum": 1000000, "description": "Annual gross employment salary in GBP, before deductions. No bonus, pension or other income." }, "studentLoanPlan": { "type": "string", "enum": [ "plan1", "plan2", "plan4", "plan5", "postgrad" ], "description": "Known loan plan. Concurrent undergraduate and postgraduate loans are unsupported." } }, "required": [ "annualSalary", "studentLoanPlan" ], "additionalProperties": false }, "calculatorUrl": "https://student-loan-calculator.co.uk/", "output": { "currency": "GBP", "period": "annual", "fields": [ "ok", "contractVersion", "rules", "annual", "monthlyEquivalent", "jurisdiction", "sources", "ruleProvenance", "assumptions" ] } } ], "pages": [ { "url": "https://student-loan-calculator.co.uk/", "name": "Student Loan Calculator", "description": "Free UK 2026 student loan repayment calculator. Forecast repayments for Plan 1, Plan 2, Plan 4, Plan 5 and postgraduate loans with salary projections, interest breakdowns and comparison tools." }, { "url": "https://student-loan-calculator.co.uk/calculators", "name": "Calculators", "description": "Every free calculator on the site in one place: student loan, mortgage, overpayments, stamp duty, FIRE, pension, investment, savings goal, first home, money planner, income tax, take-home pay, marginal rate, car loan and credit card." }, { "url": "https://student-loan-calculator.co.uk/guides", "name": "Guides", "description": "Practical UK guides to student loans, tax, pay, saving and investing, with links to current rates, thresholds and calculators." }, { "url": "https://student-loan-calculator.co.uk/about", "name": "About", "description": "Learn how the Student Loan Calculator works, the assumptions behind the calculations and the data sources used. Built for UK Plan 1, Plan 2 and Plan 5 loans." }, { "url": "https://student-loan-calculator.co.uk/faqs", "name": "FAQs", "description": "Frequently asked questions about UK student loans, repayment thresholds, interest rates, Plan 1 vs Plan 2 and how the student loan calculator works." }, { "url": "https://student-loan-calculator.co.uk/rates", "name": "Rates & Thresholds", "description": "Current 2026 UK student loan interest rates and repayment thresholds for Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans. Includes historical data and write-off dates." }, { "url": "https://student-loan-calculator.co.uk/privacypolicy", "name": "Privacy Policy", "description": "Privacy policy for Student Loan Calculator UK, including data use, cookies and contact information." }, { "url": "https://student-loan-calculator.co.uk/mortgage", "name": "Mortgage Calculator", "description": "Free UK mortgage repayment calculator. Calculate monthly mortgage payments, total interest and overall cost for repayment or interest-only mortgages." }, { "url": "https://student-loan-calculator.co.uk/how-much-can-i-borrow", "name": "How Much Can I Borrow", "description": "Work out the mortgage your salary, deposit and monthly commitments support: the income multiple cap, the affordability test at a stressed rate, the price it puts you at, the monthly payment and loan to value." }, { "url": "https://student-loan-calculator.co.uk/mortgage/overpayments", "name": "Overpayment Calculator", "description": "Free UK mortgage overpayment calculator. See how one-off or recurring overpayments cut interest, shorten your term and reduce total mortgage cost." }, { "url": "https://student-loan-calculator.co.uk/remortgage", "name": "Remortgage Calculator", "description": "Compare staying on your current mortgage rate with a new deal: monthly payment, fees and early repayment charge, months to break even, interest over the deal and what you still owe at the end." }, { "url": "https://student-loan-calculator.co.uk/investment", "name": "Investment Calculator", "description": "Free UK investment calculator. Project investment growth with compound interest, total returns and portfolio growth over time." }, { "url": "https://student-loan-calculator.co.uk/fire", "name": "FIRE Calculator", "description": "Free UK FIRE calculator. Estimate how much you need for financial independence, how long it could take to retire early and how savings growth affects the plan." }, { "url": "https://student-loan-calculator.co.uk/stamp-duty", "name": "Stamp Duty Calculator", "description": "Free UK stamp duty calculator. Work out SDLT on residential property purchases, including first-time buyer rates and additional property charges." }, { "url": "https://student-loan-calculator.co.uk/income-tax", "name": "Income Tax Calculator", "description": "Free UK income tax calculator for 2026/27. Calculate take-home pay, income tax, National Insurance and a full breakdown of salary deductions." }, { "url": "https://student-loan-calculator.co.uk/take-home-pay", "name": "Take-Home Pay Calculator", "description": "Free UK take-home pay calculator for 2026/27. Salary after Income Tax, National Insurance, pension and student loan, with bonus, overtime, tax code, benefits and employer cost, by year, month, week, day and hour." }, { "url": "https://student-loan-calculator.co.uk/marginal-rate", "name": "Marginal Rate Calculator", "description": "Free UK marginal deduction rate calculator for 2026/27. See how much of your next £1 of salary is lost to tax, National Insurance and student loan repayments across the £0-£200,000 range, including the personal allowance taper zone above £100,000." }, { "url": "https://student-loan-calculator.co.uk/pension", "name": "Pension Calculator", "description": "Free UK pension calculator. Estimate pension pot growth, projected retirement income and how contributions affect long-term outcomes." }, { "url": "https://student-loan-calculator.co.uk/savings-goal", "name": "Savings Goal Calculator", "description": "Free UK savings goal calculator. Estimate how long it will take to reach a target balance using monthly contributions and interest growth." }, { "url": "https://student-loan-calculator.co.uk/student-budget", "name": "Student Budget", "description": "Enter your maintenance loan, job and family money against rent, bills, food and the rest at the rate you pay them. See what is left each week, the biggest cost and when the money runs out." }, { "url": "https://student-loan-calculator.co.uk/first-home", "name": "First Home Calculator", "description": "Free Lifetime ISA first home calculator. See when you will reach your house deposit, how much government bonus you earn at 25% on up to £4,000 a year, and how buying with a partner doubles it." }, { "url": "https://student-loan-calculator.co.uk/money-planner", "name": "Money Planner", "description": "Free UK money planner. Work through the common savings order - emergency fund, high-interest debt, employer pension match, Lifetime ISA, cash and ISAs - as rules of thumb applied to your own numbers." }, { "url": "https://student-loan-calculator.co.uk/car-loan", "name": "Car Loan Calculator", "description": "Free UK car loan calculator. Work out monthly payments, total interest and full borrowing cost for car finance and personal loans." }, { "url": "https://student-loan-calculator.co.uk/credit-card", "name": "Credit Card Payoff Calculator", "description": "Free UK credit card payoff calculator. Estimate repayment time, monthly payments and total interest cost when clearing card debt." }, { "url": "https://student-loan-calculator.co.uk/debt-payoff", "name": "Debt Payoff Calculator", "description": "List your debts with balance, APR and minimum payment, add an extra monthly amount, and compare snowball (smallest first) with avalanche (highest rate first): months to clear, interest paid and the order each debt goes." }, { "url": "https://student-loan-calculator.co.uk/guides/should-i-overpay", "name": "Should I Overpay?", "description": "A practical UK guide to whether overpaying your student loan is worth it, including when it can save money and when it usually does not." }, { "url": "https://student-loan-calculator.co.uk/guides/how-interest-works", "name": "How Interest Works", "description": "Understand how UK student loan interest is calculated for Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans, with practical examples." }, { "url": "https://student-loan-calculator.co.uk/guides/student-loan-write-off", "name": "Write-Off Periods", "description": "When is your UK student loan written off in 2026? Write-off timelines for Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans, plus common myths explained." }, { "url": "https://student-loan-calculator.co.uk/guides/real-vs-nominal-money", "name": "Real vs Nominal Money", "description": "Why a student loan calculator shows figures in today's money, how inflation erodes a balance over the life of a loan, and the difference between real and nominal UK student loan figures." }, { "url": "https://student-loan-calculator.co.uk/guides/how-repayments-leave-your-payslip", "name": "Payslip Mechanics", "description": "How UK student loan repayments are deducted through PAYE, the 9% and 6% mechanics, and how self-employed and overseas borrowers repay." }, { "url": "https://student-loan-calculator.co.uk/guides/compound-interest-maths", "name": "The Compounding Maths", "description": "The arithmetic behind UK student loan compound interest: how it applies to a declining balance, monthly versus annual compounding, and why balances can keep growing." }, { "url": "https://student-loan-calculator.co.uk/guides/60-percent-tax-trap", "name": "The 60% Trap", "description": "How the personal allowance taper creates a 60% effective tax rate on income above £100,000 until the allowance is gone, and how student loan repayments and Child Benefit sit alongside it." }, { "url": "https://student-loan-calculator.co.uk/guides/salary-sacrifice-and-student-loans", "name": "Salary Sacrifice", "description": "How pension, car and cycle-to-work salary sacrifice schemes reduce gross pay for tax, National Insurance and UK student loan repayment purposes." }, { "url": "https://student-loan-calculator.co.uk/guides/lifetime-isa-rules", "name": "Lifetime ISA Rules", "description": "The full UK Lifetime ISA rule set for first-time buyers: the 25% bonus, the 25% withdrawal charge, the £450,000 property cap and the age and 12-month rules." }, { "url": "https://student-loan-calculator.co.uk/guides/overpay-or-invest", "name": "Overpay or Invest?", "description": "A framework for deciding whether to overpay a UK student loan or invest instead, based on marginal return, write-off odds and who it favours." }, { "url": "https://student-loan-calculator.co.uk/which-plan", "name": "Which Plan Am I On?", "description": "Three questions tell you whether you are on Plan 1, 2, 4, 5 or the Postgraduate Loan, with the 2026 threshold, rate and write-off for your plan." }, { "url": "https://student-loan-calculator.co.uk/plan-1", "name": "Plan 1 Student Loan", "description": "Plan 1 student loan explained for 2026: the repayment threshold, what comes off your pay at £30,000, £45,000 and £60,000, how interest is set and when the loan is written off." }, { "url": "https://student-loan-calculator.co.uk/plan-2", "name": "Plan 2 Student Loan", "description": "Plan 2 student loan explained for 2026: the repayment threshold, what comes off your pay at £30,000, £45,000 and £60,000, how interest is set and when the loan is written off." }, { "url": "https://student-loan-calculator.co.uk/plan-4", "name": "Plan 4 Student Loan", "description": "Plan 4 student loan explained for 2026: the repayment threshold, what comes off your pay at £30,000, £45,000 and £60,000, how interest is set and when the loan is written off." }, { "url": "https://student-loan-calculator.co.uk/plan-5", "name": "Plan 5 Student Loan", "description": "Plan 5 student loan explained for 2026: the repayment threshold, what comes off your pay at £30,000, £45,000 and £60,000, how interest is set and when the loan is written off." }, { "url": "https://student-loan-calculator.co.uk/postgraduate-loan", "name": "Postgraduate Loan", "description": "Postgraduate Loan student loan explained for 2026: the repayment threshold, what comes off your pay at £30,000, £45,000 and £60,000, how interest is set and when the loan is written off." }, { "url": "https://student-loan-calculator.co.uk/plan-2-vs-plan-5", "name": "Plan 2 vs Plan 5", "description": "Plan 2 vs Plan 5 side by side for 2026: repayment thresholds, monthly repayments at the same salaries, interest rules and write-off dates, with a forecast for each." }, { "url": "https://student-loan-calculator.co.uk/plan-1-vs-plan-2", "name": "Plan 1 vs Plan 2", "description": "Plan 1 vs Plan 2 side by side for 2026: repayment thresholds, monthly repayments at the same salaries, interest rules and write-off dates, with a forecast for each." }, { "url": "https://student-loan-calculator.co.uk/plan-2-vs-plan-4", "name": "Plan 2 vs Plan 4", "description": "Plan 2 vs Plan 4 side by side for 2026: repayment thresholds, monthly repayments at the same salaries, interest rules and write-off dates, with a forecast for each." }, { "url": "https://student-loan-calculator.co.uk/plan-4-vs-plan-5", "name": "Plan 4 vs Plan 5", "description": "Plan 4 vs Plan 5 side by side for 2026: repayment thresholds, monthly repayments at the same salaries, interest rules and write-off dates, with a forecast for each." }, { "url": "https://student-loan-calculator.co.uk/undergraduate-vs-postgraduate-loan", "name": "Undergraduate vs Postgraduate Loan", "description": "Undergraduate vs Postgraduate Loan side by side for 2026: repayment thresholds, monthly repayments at the same salaries, interest rules and write-off dates, with a forecast for each." }, { "url": "https://student-loan-calculator.co.uk/maintenance-loan", "name": "Maintenance Loan", "description": "How much Maintenance Loan a student from England gets in 2026 for living at home, away or in London, by household income, with the full band table and how the assessment works." }, { "url": "https://student-loan-calculator.co.uk/required-salary", "name": "Required Salary Calculator", "description": "Find the gross salary needed for a target take-home amount with pension, student loan and Scottish tax options." }, { "url": "https://student-loan-calculator.co.uk/pro-rata-pay", "name": "Pro-Rata Pay Calculator", "description": "Compare full-time and part-time salary after Income Tax, National Insurance, pension and student loan deductions." }, { "url": "https://student-loan-calculator.co.uk/inflation", "name": "Inflation Calculator", "description": "Apply an explicit assumed inflation rate to future prices or a fixed sum’s purchasing power, with worked examples and yearly figures." }, { "url": "https://student-loan-calculator.co.uk/rent-vs-buy", "name": "Rent or Buy Calculator", "description": "Compare renting and buying with equal starting cash and monthly budgets, mortgage interest, purchase taxes, selling costs and sensitivity scenarios." }, { "url": "https://student-loan-calculator.co.uk/income-percentile", "name": "UK Income Percentiles", "description": "Compare total income before tax with the historical UK taxpayer distribution, with official data, methodology and an accessible table." }, { "url": "https://student-loan-calculator.co.uk/guides/car-finance-total-cost", "name": "Car Finance: Total Cost", "description": "Compare deposits, monthly instalments, final payments and fees using an independent worked example." }, { "url": "https://student-loan-calculator.co.uk/guides/compare-job-offers", "name": "Compare Job Offers", "description": "A worked take-home pay comparison and a practical method for comparing salary offers." }, { "url": "https://student-loan-calculator.co.uk/guides/rent-or-buy-assumptions", "name": "Rent or Buy: Assumptions", "description": "Compare equal starting cash, monthly budgets, ownership costs and uncertain returns before deciding what the figures mean." }, { "url": "https://student-loan-calculator.co.uk/for-agents", "name": "Agent Resources", "description": "Two bounded browser calculation tools, a machine-readable catalogue and source provenance for compatible agents." }, { "url": "https://student-loan-calculator.co.uk/compare-job-offers", "name": "Compare Job Offers", "description": "Compare take-home pay, pension contributions, working hours and job costs for two job offers." }, { "url": "https://student-loan-calculator.co.uk/rsu-calculator", "name": "RSU Calculator", "description": "Estimate UK Income Tax, National Insurance, sell-to-cover and retained value when restricted stock units vest." }, { "url": "https://student-loan-calculator.co.uk/share-options", "name": "Share Options Calculator", "description": "Compare UK share option exercise tax treatment for non-advantaged options, EMI, CSOP and SAYE." }, { "url": "https://student-loan-calculator.co.uk/share-incentive-plan", "name": "Share Incentive Plan Calculator", "description": "Estimate UK Share Incentive Plan withdrawal treatment across free, partnership, matching and dividend shares." } ], "sources": [ "https://www.gov.uk/income-tax-rates", "https://www.gov.uk/scottish-income-tax", "https://www.gov.uk/national-insurance-rates-letters", "https://www.gov.uk/marriage-allowance", "https://www.gov.uk/government/collections/automatic-enrolment-earnings-trigger-and-qualifying-earnings-band", "https://www.gov.uk/repaying-your-student-loan/what-you-pay", "https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief", "https://www.gov.uk/tax-on-your-private-pension/annual-allowance", "https://www.gov.uk/lifetime-isa", "https://www.gov.uk/individual-savings-accounts", "https://www.gov.uk/stamp-duty-land-tax/residential-property-rates", "https://revenue.scot/taxes/land-buildings-transaction-tax", "https://www.gov.wales/land-transaction-tax-rates-and-bands", "https://www.gov.uk/new-state-pension/what-youll-get", "https://www.gov.uk/child-benefit/what-youll-get", "https://www.gov.uk/child-benefit-tax-charge", "https://www.gov.uk/government/publications/student-finance-how-youre-assessed-and-paid", "https://www.buymeacoffee.com/123tomford", "https://www.gov.uk/guidance/how-interest-is-calculated-plan-1", "https://www.gov.uk/guidance/how-interest-is-calculated-plan-2", "https://www.gov.uk/guidance/how-interest-is-calculated-plan-4", "https://www.gov.uk/guidance/how-interest-is-calculated-plan-5", "https://www.gov.uk/guidance/how-interest-is-calculated-postgraduate-loan", "https://www.gov.uk/government/statistics/percentile-points-from-1-to-99-for-total-income-before-and-after-tax" ] }