Calculate your student finance for England, Wales, Scotland & Northern Ireland. Accurate maintenance loans, tuition fees, grants, and repayment projections using official 2026/27 rates.
Calculate your student finance based on your circumstances
Enter your information to calculate your entitlement
ℹ️ New starters on Plan 5: lower threshold (£25k), RPI-only interest, 40-year write-off
💡 The academic year affects loan amounts and repayment thresholds. Rates for 2027/28 are estimates based on inflation projections.
Enter the combined income of your parent(s)/guardian(s) or your partner. Based on previous tax year. If you're an independent student, enter your own income.
Most undergraduate degrees are 3 years (4 in Scotland or with placement/year abroad)
Enter your details above to see your results
Student finance in the UK consists of two main components: tuition fee loans (paid directly to your university) and maintenance loans (paid to you for living costs). The system is designed so you don't pay anything upfront.
Different nations, different rules - England, Wales, Scotland, and Northern Ireland each have their own student finance systems. Scottish students get free tuition at Scottish universities, while Welsh and NI students receive maintenance grants on top of loans.
Our calculator supports all four nations with precise, penny-accurate calculations using the official formulas and 2026/27 rates.
Maximum amounts - actual amount depends on household income
• Threshold: £25,000 (frozen)
• Interest: RPI only (never pay more than borrowed in real terms)
• Write-off: 40 years
• Threshold: £33,795 (highest)
• Interest: RPI or Bank Rate +1%
• Write-off: 30 years
• Threshold: £29,385
• Interest: RPI to RPI+3% based on income
• Write-off: 30 years
• Threshold: £26,900
• Interest: RPI or Bank Rate +1%
• Write-off: 25 years
🏴 England
Plan 5 • No grants
🏴 Wales
Grants + Loans
🏴 Scotland
FREE Tuition
🇬🇧 Northern Ireland
Lower Fees + Grants
Other free tools to help you support your child's education
GCSE & A-Level trends, attendance statistics, and regional comparisons.
Search 20,000+ UK apprenticeships with official Government data.
Calculate UCAS tariff points from 25+ qualification types for university applications.
Find your GCSE grade from raw marks. All exam boards, 30+ subjects, 2022-2025 data.
Calculate UK Child Benefit, HICBC charge, and pension optimization.
Calculate UK child maintenance using the official CMS formula with shared care adjustments.
Check eligibility for all 10 UK education benefits across 4 nations in one place.
UK school term dates & holidays for all 4 nations. Calendar, countdown, iCal export.
Attainment 8, Progress 8, and sixth form entry checker for all UK nations.