The postgraduate plan uses a percentage of earnings above its repayment threshold. Use this page to compare the annual and monthly deduction before you combine it with an undergraduate plan or pension contribution.
POSTGRAD LOAN · 2026/27
Postgraduate loan calculator
Estimated result
£840
- Monthly deduction
- £70
- Salary used
- £35,000
- Repayment rate
- 6.0%
Postgraduate loans are collected through payroll once salary passes the threshold. They can run alongside an undergraduate plan.
Estimate the payroll deduction for a postgraduate loan and see how it changes your monthly take-home pay alongside other student-loan plans.
The postgraduate plan uses a percentage of earnings above its repayment threshold. Use this page to compare the annual and monthly deduction before you combine it with an undergraduate plan or pension contribution.
A salary above the postgraduate threshold creates a 6% deduction on the earnings above that threshold. The result is a payroll estimate, not a statement of your balance or the date your loan will be written off.
- Repayment depends on earnings above the plan threshold, not the full salary.
- A postgraduate plan can run alongside an undergraduate student-loan plan.
- Payroll frequency, salary sacrifice and tax changes can make payslip deductions differ from a simple annual division.
QUICK ANSWER
What is this calculator?
Postgraduate Loan Calculator turns the inputs on this page into a transparent planning estimate for the selected jurisdiction.
How is it calculated?
It uses the displayed inputs, the GB-2026.27.1 ruleset and the assumptions shown beside the result. Different eligibility, timing or household details can change the outcome.
Example
Use the result as an illustrative scenario, then change one input at a time to compare the next decision. It is not an offer or personalised financial advice.
Official source
Postgraduate loan thresholds and repayment guidance are checked against GOV.UK student-loan rules.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 4 August 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
Source line: Postgraduate loan thresholds and repayment guidance are checked against GOV.UK student-loan rules.
SOURCE LINKS
Every calculation keeps the official references visible so the numbers can be checked quickly.
WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
The explanation stays close to the result so users can compare the assumptions immediately instead of hunting through a separate policy page.
COMMON QUESTIONS
Frequently asked questions
What rate is used for a postgraduate loan?
The plan takes 6% of earnings above the current postgraduate repayment threshold.
Can I repay an undergraduate and postgraduate loan together?
Yes. If both plans apply, payroll can deduct both amounts from the same pay.
Does this show the balance remaining?
No. It estimates the payroll deduction; interest, balance and write-off rules need the official account record.