Student loan repayment calculators
RAP, IBR, plan comparison and payoff timeline - all free, all in your browser.
These free calculators estimate federal student loan payments under the 2026 rules. The RAP estimator turns your AGI and dependents into a Repayment Assistance Plan payment; the IBR estimator uses discretionary income; the comparator shows which plan has the lowest first-year monthly payment for your numbers; and the payoff calculator shows fixed-plan interest and the forgiveness milestones. All run in your browser and store nothing. Estimates only, not advice.
Source: Federal Student Aid (studentaid.gov). Data as of June 2026.
General information, not financial or legal advice. Federal student loan rules are changing in 2025-2026 under the One Big Beautiful Bill Act - figures here are estimates from public sources and the final program rules are still being implemented. Always verify with your loan servicer and studentaid.gov. See our disclaimer.
Repayment Assistance Plan monthly payment from your AGI and dependents.
IBR payment estimatorIncome-Based Repayment from AGI, family size, state region and IBR version.
Which plan is cheapest?Compare first-year monthly payments across RAP, new Standard, classic Standard and IBR.
Payoff & forgiveness timelineFixed-plan monthly payment, total interest, and forgiveness milestones.
Frequently asked questions
Are these student loan calculators accurate?
They are transparent estimates built from the published 2026 formulas (RAP AGI brackets, IBR discretionary income, standard amortization) and run entirely in your browser. They simplify real life - they do not apply the 10-year Standard cap without a balance, do not model every servicer rule, and the final RAP program rules are still being implemented. Always verify with your servicer and studentaid.gov.
Which calculator should I use?
If your first loan is on or after July 1, 2026, use the RAP estimator and the payoff calculator (for the new Standard plan). If you are an existing borrower deciding between plans, use the IBR estimator and the 'which plan is cheapest' comparator.
Last updated: 2026-06-22