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Student Loan Calculator

Enter your student loans

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With several loans, use the average rate weighted by balance.

The disbursement date decides which federal repayment plans you can use.

More options
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Goes straight to principal. Shows how much sooner you finish and the interest saved.

Your results

Plan: –

Monthly payment

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Total interest

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Total repaid

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Time to repay–

Federal fixed-payment plans compared

Repayment plans whose payments don’t depend on your income, under the 2026 rules. Graduated payments rise every two years; the figures are our estimate, because your servicer sets the exact steps.

PlanMonthly paymentTime to repayTotal interestTotal repaid

Not covered here

Income-driven plans, including the Repayment Assistance Plan, base the payment on your income and family size, so they are not estimated here. Extended plans need more than $30,000 in Direct Loans, all disbursed before July 1, 2026.

Year-by-year schedule

Your main plan, including any extra monthly payment.

YearPaidPrincipalInterestEnding balance

Results are estimates for educational purposes and are not financial, tax or legal advice.

Estimate your monthly student loan payment and total interest, compare the federal fixed-payment plans side by side, and see what paying extra each month saves. The loan calculator online uses the same plain-English approach, so you can compare results side by side.