ICR Calculator Student Loan

Student Loan Repayment Calculator (ICR)

Calculate your Plan 2 or Plan 5 repayments based on the latest 2026 UK income thresholds.

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Repayment Threshold: £25,000 (9% above this)

Recent Posts

The Expert Complete Guide to UK Income Tax for 2026 Explained
Last January in Birmingham, a friend messaged me at midnight. She’d just looked at her December payslip properly for the first time all year. “How does this actually work?” she asked. UK Income Tax sounds simple until bonuses arrive, pension contributions start, side income happens, or tax codes change unexpectedly.… Read more: The Expert Complete Guide to UK Income Tax for 2026 Explained
How New Budget Affects Take-Home Pay: Pro Analysis in the UK
It’s a bright Tuesday morning in London, and your payslip lands in your inbox. You notice a change and wonder: “Did the new budget just shrink my take-home pay?” Understanding how the new budget affects take-home pay is critical, whether you’re PAYE employed, self-employed, or juggling side income. I remember the morning… Read more: How New Budget Affects Take-Home Pay: Pro Analysis in the UK
5 Key Facts on Taxable Income from Side Hustles in the UK
A Saturday delivery shift. It usually starts small. A few Etsy sales. Maybe freelance work after dinner. Then one day, often on a quiet Sunday, you wonder: “Do I need to tell HMRC about this?” This guide explains how taxable income from side hustles works in the UK, what counts, what doesn’t,… Read more: 5 Key Facts on Taxable Income from Side Hustles in the UK
Taxable Income vs Net Income: What UK Earners Must Know
Last Tuesday evening in Reading, I sat with my laptop open and payslip beside me. One number said £42,000. Another said £31,800. So which one actually matters? Both do. But they matter in completely different ways. Understanding the difference between taxable income vs net income is one of the most… Read more: Taxable Income vs Net Income: What UK Earners Must Know
A Beginner’s Guide to Self-Assessment Tax Returns UK
It’s usually a quiet evening when the HMRC letter finally gets opened. You read “Self-Assessment” and feel that small jolt of panic. If this is your first time, that reaction is completely normal. I remember my first letter arriving at my flat in Glasgow, sitting unopened on the kitchen table for three… Read more: A Beginner’s Guide to Self-Assessment Tax Returns UK
Taxable Income or Gross Income Difference: Pro Guide for Savers
I remember sitting in my Edinburgh flat on a Sunday night, payslip in hand, calculator on the table. The numbers didn’t match. My gross salary said one thing. My tax calculation said another. And somewhere between those two figures, my understanding of how UK tax works completely collapsed. This confusion… Read more: Taxable Income or Gross Income Difference: Pro Guide for Savers
5 Legal Ways to Reduce Your UK Income Tax in 2026
Last Monday morning in Liverpool, I opened my latest payslip with my usual coffee. The numbers hit me straight away. Surely I’m paying more tax than this time last year? You’ve probably felt the same. The good news is there are legal ways to reduce your UK Income Tax in… Read more: 5 Legal Ways to Reduce Your UK Income Tax in 2026