Complete Student Finance Calculator 💰

See exactly what university will cost you — down to the monthly repayment.

The Guide to Student Finance tells you how the system works. This calculator shows you YOUR personal numbers — based on your household income, your expected salary, your course length and your loan plan.

Enter your details once. Everything else calculates automatically across 5 sheets.

What's inside:

• Sheet 1 — Your details: 7 yellow cells to fill in, everything else updates automatically
• Sheet 2 — Full loan breakdown year by year including tuition, maintenance, living costs and shortfall
• Sheet 3 — 40-year repayment projection showing your monthly payment, annual payment, running balance and write-off year
• Sheet 4 — 20-year earnings comparison between you as a graduate vs an apprentice or school leaver
• Sheet 5 — The Bottom Line: a plain-English summary of your total debt, your real repayments and who comes out ahead financially

Change any input and every sheet updates instantly. Try different salary scenarios. Show your parents. Make the decision with the actual numbers in front of you.

Perfect for: Students deciding whether university is financially worth it, parents wanting to understand the real cost, anyone comparing university to apprenticeships