Can I model postgraduate loan repayments?
Yes. The student loans section includes a postgraduate loan toggle that can be combined with the selected student loan plan.
PayBreakdown - Salary Calculator & Budget Manager
Student loan repayment calculator
Estimate how UK student loan plans and postgraduate loans affect salary take-home pay.
What this page helps with
Student loan deductions can materially change monthly take-home pay. The salary calculator lets you choose the relevant plan and add a postgraduate loan toggle so the deduction is visible in the breakdown.
Frequently asked questions
Which student loan plan should I choose?
Choose the plan shown by your loan provider or payslip. The source page links to GOV.UK repayment guidance so you can check the current rules.
Last updated 2026-05-07. Planning estimates only. Not financial advice.