Student Loan Calculator

Plan your loan repayment

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Full guide

How to Calculate Student Loan Payments

Learn standard student loan payment math, interest, extra payments, and a high-level IDR overview — educational examples with a free calculator.

Read the guide

About Student Loan Calculator

A student loan calculator for estimating monthly payments, total interest paid, and payoff timelines under different repayment plans. Enter loan balance, interest rate, and term to compare Standard (10-year), Graduated, Extended, and Income-Driven Repayment (IDR) plans. Model extra payments to see interest savings and early payoff dates. Covers both federal and private student loans. 100% client-side.

Student Loan Calculator Features

  • Monthly payment
  • Total interest
  • Payoff timeline
  • Repayment plan compare
  • Extra payments
  • Refinancing analysis
  • IDR plans
  • Amortization schedule

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