How to use the Student Loan Calculator
Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.
Formula
Frequently asked questions
What is the standard repayment term?
For US federal student loans the standard plan is 10 years. Other plans can be longer or based on income.
Should I pay extra on student loans?
Extra payments reduce interest, especially on higher-rate loans. Make sure the extra goes to principal.
Cite or link to this calculator
Using this calculator in an article, report or assignment? You can cite it like this:
CalcKite. (2026). Student Loan Calculator [Online calculator]. https://www.calckite.com/student-loan-calculator/
Or add a link to it from your website or blog:
<a href="https://www.calckite.com/student-loan-calculator/">Student Loan Calculator</a> by CalcKiteAdd this calculator to your website — free
Bloggers, schools, agents and businesses can embed the Student Loan Calculator on their own pages. Copy the code below and paste it into your page's HTML. The calculator resizes itself to fit, and works on phones.
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Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.