Pricing
Simple, one-time pricing
The calculator is free. Pay once to unlock every current and future premium feature — no subscription, no recurring charges.
Feature
Free
Premium
Full repayment projection
Year-by-year balance, repayments, interest and write-off date
All UK loan plans
Plan 1, 2, 4, 5 and Postgraduate
Bond market inflation forecast
Uses Bank of England gilt data — not a fixed guess
ONS salary data by industry
Salary growth modelled from official survey data
Present value & government subsidy
What your loan costs in today's money
Threshold freeze toggle
Model frozen vs inflation-linked repayment threshold
Save runs
Save and revisit your projections (requires free account)
Scenario comparison
Compare salary and overpayment scenarios
Scenarios
Number of scenarios you can compare at once
Emigration modelling
Overseas repayment thresholds, FX conversion, report-or-default analysis, repatriation modelling
Invest vs repay
Compare overpaying vs index fund investing across low, medium and high risk profiles
Share to Facebook & LinkedIn
Share your loan outcome to Facebook or LinkedIn directly from the results panel
PDF report
AI-generated 2-page professional report tailored to your financial sophistication level
Secure payment by Stripe · Instant access · One-time charge