Student Loan Calculator

Calculate your student loan payments and explore repayment options

Free online calculator for US, UK, Canada, and Australia student loans

Quick Student Loan Calculator

Advanced Country-Specific Calculators

Get advanced features tailored to your country's student loan regulations and repayment options.

United States United Kingdom Canada Australia

Each country calculator includes specific features like income-driven repayment, loan forgiveness programs, and regulatory compliance.

Detailed Country Calculators

United States

Federal & Private Student Loans

  • Federal Direct Loans
  • Income-Driven Repayment Plans
  • Public Service Loan Forgiveness
  • Private Student Loans
US Calculator How to Use

United Kingdom

Plan 1 & Plan 2 Student Loans

  • Plan 1 & Plan 2 Loans
  • Income-Contingent Repayment
  • Automatic PAYE Deductions
  • 30-Year Write-off Period
UK Calculator How to Use

Canada

Federal & Provincial Student Loans

  • Federal Student Loans
  • Provincial Loan Programs
  • Repayment Assistance Plan
  • Interest-Free Periods
Canada Calculator How to Use

Australia

HELP & VET Student Loans

  • HELP (HECS-HELP, FEE-HELP)
  • VET Student Loans
  • Income-Contingent Repayment
  • Compulsory Repayment Threshold
Australia Calculator How to Use International Student Calculator

Calculator Features

Accurate Calculations

Industry-standard formulas with country-specific regulations and compliance requirements.

Export to Excel

Download comprehensive CSV files with payment schedules and regulatory compliance notes.

Regulatory Compliance

Follows local regulations including TILA, FCA, OSFI, and NCCP compliance requirements.

Multiple Repayment Plans

Compare standard, graduated, and income-driven repayment options for your situation.

Amortization Schedules

View detailed year-by-year breakdowns of principal, interest, and remaining balances.

Mobile Friendly

Responsive design works perfectly on desktop, tablet, and mobile devices.

About Student Loan Calculators

Student loan calculators help you understand the true cost of your education debt and plan your repayment strategy. Our calculators are designed to provide accurate estimates based on current regulations and best practices for each country.

Why Use a Student Loan Calculator?

  • Plan Your Budget: Understand your monthly payment obligations
  • Compare Repayment Plans: See how different plans affect your total cost
  • Explore Forgiveness Options: Learn about loan forgiveness programs
  • Calculate Extra Payments: See how additional payments reduce your debt
  • Prepare for the Future: Plan for income changes and life events

Country-Specific Features

Each country has unique student loan systems with different regulations, repayment options, and forgiveness programs. Our calculators are tailored to provide accurate results for:

United States

  • Federal Direct Loans and private loans
  • Income-driven repayment plans (IBR, PAYE, REPAYE)
  • Public Service Loan Forgiveness
  • Deferment and forbearance options

United Kingdom

  • Plan 1 and Plan 2 student loans
  • Income-contingent repayment
  • Automatic PAYE deductions
  • 30-year write-off period

Canada

  • Federal and provincial student loans
  • Repayment Assistance Plan (RAP)
  • Interest-free periods
  • Province-specific programs

Australia

  • HELP loans (HECS-HELP, FEE-HELP)
  • VET Student Loans
  • Income-contingent repayment
  • Compulsory repayment thresholds

Need Help?

Each calculator includes detailed instructions and explanations. Start with the "How to Use" guide for your country.

Contact Us

Quick Tips

  • Update your income information annually
  • Consider loan forgiveness programs
  • Make extra payments when possible
  • Keep records of all payments
  • Stay in touch with your loan servicer

Student Loan Calculators: Your Complete Guide to Education Financing

Understanding Student Loans

Student loans help finance education costs, allowing students to invest in their future. Our comprehensive suite of student loan calculators helps you estimate repayments, understand interest rates, and plan your debt management strategy across different countries and loan types.

Key Features of Our Student Loan Calculators

  • Country-Specific Calculations: Tailored for US, UK, Canada, and Australia with local loan programs and regulations.
  • Multiple Loan Types: Support for federal, private, and government-backed student loans.
  • Repayment Plan Analysis: Compare different repayment options and their long-term impact.
  • Extra Payment Analysis: See how additional payments can reduce your debt faster.
  • Income-Based Calculations: Understand how your income affects repayment amounts.

How to Choose the Right Calculator

Select the calculator for your country to get the most accurate results. Each calculator includes country-specific features like:

  • US: Federal and private loans, income-driven repayment plans, loan forgiveness options
  • UK: Plan 1, 2, and 4 loans, income-based repayments, debt forgiveness
  • Canada: Federal and provincial loans, repayment assistance programs
  • Australia: HECS-HELP, indexation, income-based repayments

Student Loan Tips

  • Understand the terms and conditions of your specific loan program.
  • Consider income-driven repayment plans if you have low income.
  • Make extra payments when possible to reduce your debt faster.
  • Keep track of your loan balance and interest accrual.
  • Plan your repayments around your career goals and financial situation.

Why Use Our Calculators?

  • Accurate and Up-to-Date: All calculations use current formulas and regulations.
  • Comprehensive: Include all major loan types and repayment options.
  • Educational: Help you understand the true cost of your education financing.
  • Free and Accessible: No registration required, available 24/7.

Related Calculators

Student Loan Resources

Important Information: Disclaimer: These calculators are provided for general information only and do not consider your personal circumstances, credit history, or financial situation. They are not financial advice. You should review your loan servicer's disclosure and seek independent professional advice before making any decisions.
* We are not a lender, loan servicer, or financial advisor. These calculators are for informational purposes only and do not constitute financial advice. Rates, fees, and charges are subject to change. Actual payments may vary based on your specific loan terms, repayment plan, and lender requirements.
Important: All figures are estimates based on information you provide. Actual loan terms, rates, and fees will vary by lender and individual circumstances. Always consult with your loan servicer or financial advisor for personalized advice.