United Kingdom · 2 tools
Education & Student calculators
Fees, living costs and loan repayments in one place so the course decision has a cash picture.
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Start here, then explore the groups below.
Plan education costs before committing
Separate course fees, living costs, grants, bursaries and borrowing so each assumption can be updated. Costs and repayment rules can depend on the provider, course, location and start date, so use current written information for the options you are considering.
- List one-off costs separately from monthly living costs.
- Use provider and funding-body information for current fees and eligibility.
- Revisit the estimate when your course, accommodation or funding changes.
Fees, living costs, then the loan
Education-cost calculators cover the two biggest financial decisions UK students face: the total cost of going to university (tuition + accommodation + living + travel over 3-4 years), and how the repayment mechanics of the resulting student loan actually work.
UK student loans work nothing like commercial debt. You only repay above a salary threshold (different per plan), the monthly deduction is a percentage of income above that threshold, and any balance remaining after 30-40 years (plan-dependent) is written off. For many graduates, the practical outcome is a lifetime 6-9% extra income tax — not a debt they ever "pay off".
Our Student Loan Repayment calculator models this accurately for Plan 1/2/4/5. It shows both what you'll actually pay over the loan's lifetime and whether you'll clear the balance — critical information for anyone weighing early voluntary repayment vs investing the money elsewhere.
More tools in this category2
Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.