🎓

UK UniLoan Calculator

England & Wales Plan 2 & Plan 5

Student Repayment Forecasts • Parental Fee Impact • 3%, 4%, 5% Market Growth Comparison

⚙️ Student & Course Setup

Configure whether the student is currently studying or graduated, their loan plan, and career earnings.

£25,000 threshold, 9% repayment, 40-year write-off, RPI interest.

In-study interest automatically compounds.

£

Salary drawn now or upon graduation.

3.5% / yr
1% (Flat) 3.5% (Typical) 8% (Fast Track)
3.2%
2.0% 3.2% (Target) 6.0%

Master's / PhD concurrent repayment.

Parental Strategy Lab

Should Parents Pay University Fees or Invest in the Market?

Under UK student finance, paying tuition upfront may not reduce monthly student deductions at all if the debt would be written off anyway. Compare your exact fee contribution against investing the same capital at 3%, 4%, and 5% compound growth.

Total Parental Capital
£27,750
£9,250 / yr × 3 years
£
Alongside 3%, 4%, 5%
⚠️

Evaluating Financial Outcome...

Graduate Tax Risk

Analyzing your career salary curve and contribution...

💡 Strategic Guidance for Parents: Checking whether paying tuition or investing in an ISA is mathematically superior...

Scenario A: Full Student Loan

No Parental Money
Loan at Graduation: £58,431
Total Repaid by Student: £38,200
Total Interest Incurred: £42,100
Payoff / Status: Written Off (Yr 40)
Debt Written Off by Gov: £62,331
Student pays 9% above threshold via monthly salary deductions.

Scenario B: With Parental Help

Fee Reduced
Parent Capital Paid: £27,750
New Graduation Balance: £30,681
Total Repaid by Student: £38,200
Payoff / Status: Written Off (Yr 40)
Student Repayments Saved: £0
Years Cleared Earlier: 0 yrs
Net Family Financial Gain: -£27,750
Does the student actually pay less over 30/40 years?

Scenario C: Market Investment Pot

Compound Growth

If parents invest the same £27,750 in Stocks & Shares ISA / Index Fund:

Growth @ 3% p.a. (Cash/Gilts): £67,400
Growth @ 4% p.a. (Balanced): £89,200
Growth @ 5% p.a. (Growth Fund): £118,500
Growth @ 6% p.a. (Custom): £157,800
🏡 Liquid Wealth: This cash stays in the family! It can fund a First Home Deposit, marriage, or rainy day fund.
Full compound growth calculated over your selected horizon.

Growth Trajectory: Parental Loan Savings vs Market Investment Pots

Visualizing the cumulative student loan savings against compound investment pot values over 30 or 40 years.

Loan Savings 3% Pot 4% Pot 5% Pot

Timeline Milestone Breakdown: Paying Loan vs Investing at 3%, 4%, 5%

Compare value available to the student at each decade of their adult life.

Milestone / Life Stage Cumulative Loan Savings (£) Market Pot @ 3% (£) Market Pot @ 4% (£) Market Pot @ 5% (£) Custom Market Pot (£)