🎓 Student Loan IDR Calculator
1. Income & Household Details
2. Loan Details & Plan Selection
Estimated Monthly Payment
$180.38
Adjusted Gross Income (AGI)
$55,000.00
Federal Poverty Line (FPL) Threshold
$15,060.00
Income Protected From Repayment
$33,885.00
Discretionary Income
$21,115.00
Plan Overview
Selected Plan
SAVE Plan
Standard 10-Year Payment (Ref)
$421.93
Estimated Monthly Difference
$241.55
MONTHLY PAYMENT COMPARISON BY PLAN
ABOUT THIS CALCULATOR
The Student Loan Income-Driven Repayment (IDR) Calculator estimates monthly payments across major federal IDR plans, including SAVE, PAYE, IBR, and ICR.
Calculations evaluate Adjusted Gross Income (AGI), family size, and Federal Poverty Line (FPL) guidelines to project discretionary income allocations and monthly payment differences compared to standard 10-year repayment schedules.
Explore More Debt Payoff Tools
Specific calculators for different types of debt and payoff strategies.
Main Debt Payoff Calculator
Compare standard vs. extra payment strategies with custom payoff schedules and charts.
Use Calculator →
Credit Card Payoff Calculator
Calculate payoff schedules and total interest costs for credit card balances.
Use Calculator →
Credit Card Minimum Payment Calculator
Analyze how long it takes to pay off credit debt paying only minimums.
Use Calculator →
Balance Transfer Savings Calculator
Evaluate interest savings when moving debt to a 0% APR balance transfer card.
Use Calculator →
Extra Payment Calculator
See how additional monthly payments shorten your repayment timeline.
Use Calculator →
Debt Snowball Calculator
Organize repayment prioritizing lowest balances for psychological momentum.
Use Calculator →
Debt Avalanche Calculator
Prioritize highest interest debts to minimize total interest paid over time.
Use Calculator →
Debt Consolidation Calculator
Compare multiple high-interest debts against a single consolidation loan.
Use Calculator →
Debt-to-Income (DTI) Ratio Calculator
Determine your debt-to-income ratio to evaluate mortgage or loan eligibility.
Use Calculator →
Medical Debt Payoff Calculator
Estimate payment plans and zero-interest negotiation for medical bills.
Use Calculator →
BNPL Payoff Calculator
Evaluate short-term installment loans and pay-in-4 plan schedules.
Use Calculator →
Collection Settlement Calculator
Calculate negotiation payoff amounts and savings on defaulted collection debts.
Use Calculator →