Student loan payment, forgiveness, and repayment calculators. Browse our free student loans tools below — all calculators are instant, accurate, and require no sign-up.
IBR Payment Calculator — Calculate your Income-Based Repayment plan payment. IBR caps payments at 10–15% of discretionary income with 20–25 year forgiveness.
ICR Payment Calculator — Calculate your Income-Contingent Repayment plan payment. ICR charges 20% of discretionary income with 25-year forgiveness for federal loans.
Income-Driven Repayment (IDR) Calculator — Calculate your income-driven repayment plan payment based on AGI and family size. Compare IDR plans including SAVE, IBR, PAYE, and ICR.
Student Loan Consolidation Calculator — Calculate your consolidated student loan rate and payment. Weighted average rate rounded up to nearest 1/8th with terms up to 30 years.
PAYE Payment Calculator — Calculate your Pay As You Earn plan payment at 10% of discretionary income. See 20-year forgiveness timeline and standard payment cap.
PSLF Timeline Calculator — Track your progress toward Public Service Loan Forgiveness. Calculate remaining payments, projected forgiveness amount, and PSLF completion date.
REPAYE / SAVE Payment Calculator — Calculate your SAVE plan payment (formerly REPAYE). Undergrad borrowers pay just 5% of discretionary income with no payment cap.
Student Loan Interest Deduction Calculator — Calculate your student loan interest tax deduction. Deduct up to $2,500 in interest paid, see your tax savings based on marginal rate.
Student Loan Payment Calculator — Calculate your monthly student loan payment for standard 10-year repayment. See total interest paid and total amount repaid over the loan term.
Student Loan Payoff Date Calculator — Find your student loan payoff date based on balance, rate, and payment. See how extra payments accelerate your payoff and save interest.
Student Loan Refinance Calculator — Compare your current student loan vs a refinanced loan. See monthly savings, total interest savings, and new payoff timeline side by side.
Student Loan Total Cost Calculator — See the true total cost of your student loan including all interest. Compare total repayment amounts across different plans and term lengths.
Student Loan vs Investing Calculator — Should you pay off student loans early or invest? Compare the net worth impact of extra loan payments vs investing that money instead.
Student Loan vs Mortgage Calculator — Compare student loan and mortgage rates to decide which debt to pay off first. See effective after-tax rates and optimal payoff order.