Money & Planning

Student Loan Payoff Calculator

Estimate student loan payments, payoff date, total interest, repayment-delay interest, and savings from extra monthly payments.

Last updated: August 2026

Calculation mode Calculate payoff from monthly payment Calculate payment for a target payoff period

Current loan balance

Annual interest rate (%)

Repayment start Start now Start after a delay

Monthly paymentExtra monthly payment

First payment month

Annual summary

Year	Starting balance	Payments	Interest	Principal repaid	Ending balance

Payment comparison

This is a planning estimate using a fixed interest rate and monthly payments. Actual student loans may use daily interest, capitalization rules, fees, deferment rules, income-driven plans, forgiveness, or changing rates not modeled here.