IBR Payment Calculator
Calculate your Income-Based Repayment plan payment. IBR caps payments at 10–15% of discretionary income with 20–25 year forgiveness.
Free Student Loans Calculators
14 toolsStudent loan payment, forgiveness, and repayment calculators. Browse our free student loans tools below — no sign-up required.
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.
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 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.
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.