Model your career earnings to find out whether the graduate tax model or the conventional debt model applies to you — and what you will actually repay.
Pre-filled from Part 1 if entered
2.0%
0 yr
Projection results
Total repaid
£0
before write-off
Written off
£0
balance cancelled
Full repayment
—
years
RepaidWritten off
Milestone snapshots
Year
Salary (est.)
Cumulative repaid
Balance remaining
Enter your salary and loan balance above to see your projection
Pension salary sacrifice optimiser
Salary sacrifice pension contributions reduce the income on which your student loan repayment is calculated — producing a triple saving on income tax, National Insurance, and your monthly student loan deduction simultaneously.
The extra amount you are considering adding via salary sacrifice
Before vs. after comparison
Current SL repayment
£0
per month
New SL repayment
£0
per month
Monthly saving
£0
on student loan alone
Total annual benefit of additional contribution
Effective first-year return
—
On your additional pension contribution in year one — before any investment growth within the pension itself. This return comes entirely from tax and repayment savings. It is guaranteed, risk-free, and immediate.
Any growth the pension achieves on top of this is a bonus. Very few investments offer a guaranteed double-digit return before a single day of compounding.
Enter your salary and proposed extra contribution above to see your saving
Parental gift decision framework
Before paying off a child's student loan, model whether that money would actually help — or whether it would cancel a debt that was going to be written off anyway.
Pre-filled from Part 1 if entered
Deployment comparison
Alternative uses of the same capital
Projections are illustrative at 7% annual growth (long-run UK equity average). Past performance is not a guarantee of future returns. Consult a regulated financial adviser for personalised planning. All student loan thresholds and rates are 2026–27 figures sourced from gov.uk.
Enter the gift amount and select the graduate's repayment status above
Student Loan Analyser · Christian Finance Academy · Module 9 · Printed: This is an educational tool only. Figures are estimates based on 2026–27 thresholds. Always verify at gov.uk and consult a financial adviser.