CalcNest / international student finance
Student loan repayment, without the guesswork.
Estimate what could come out of your income, calculate an education-loan EMI, or model how a changing salary affects your balance. Each country uses its own rules, and this version keeps the math honest.
1 / your inputs
Choose the loan system
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Income and repayment scenarios
| Income or amount | Monthly payment | Annual or total repayment | Change from current |
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Longer view
Simulate my future
This is a planning model, not a promise. Projections stay separate from current-year rules.
| Year | Income or balance | Repayment | Ending balance |
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Compare choices
Voluntary overpayment
| Scenario | Projected balance | Interest assumption | Difference |
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This is arithmetic, not advice. Overpaying can be pointless when a balance is likely to be forgiven or written off.
Answers by country
Frequently asked questions
How this version works
This calculator uses current published 2026 rules where they exist, and labels estimated models where the underlying system depends on borrower-specific or servicer-specific details the browser cannot know.
What this covers
Five countries, each modeled on its own repayment logic rather than one generic formula: UK income-contingent thresholds, US federal plans including RAP and IBR, Canada's Repayment Assistance Plan, Australia's marginal HELP bands, and India-style EMI amortization.
Where estimates still matter
US repayment can depend on plan eligibility, filing status, servicer setup and loan cohort. Canada can depend on provincial portions and assistance stage. India depends heavily on lender terms and moratorium treatment. This version says that out loud.
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