PayBreakdown - Salary Calculator & Budget Manager

Postgraduate loan repayment calculator

Estimate postgraduate loan repayments and the combined impact with salary tax, NI, pension, and student loan settings.

What this page helps with

Postgraduate loans can run alongside another student loan plan, so this is a useful standalone search route. PayBreakdown includes a postgraduate loan toggle in the salary calculator.

Official sources

Income Tax rates and Personal Allowances National Insurance rates and categories Student loan repayment thresholds Pension tax relief National Minimum Wage and National Living Wage rates Statutory Maternity Pay and Leave Statutory Sick Pay FCA guidance on misleading financial promotions Off-payroll working and IR35 guidance Understanding off-payroll working Salary sacrifice for employers NHS Employers pay scales 2026/27 NHS Health Careers Agenda for Change pay rates

Frequently asked questions

What does the postgraduate loan repayment calculator do?

It routes a specific salary question into PayBreakdown's calculator so gross pay, take-home pay, tax, National Insurance, pension, student loan, region, and tax-code assumptions can be adjusted.

Can I change the assumptions?

Yes. Open the calculator from this page to change salary, hours, pension, student loan, tax year, region, tax code, bonus, and other pay settings.

Last updated 2026-05-07. Planning estimates only. Not financial advice.