Student Loan
Income-Driven Repayment (IDR) Calculator
Compare monthly payments across all federal income-driven repayment plans. IDR plans cap payments at a percentage of your discretionary income and offer forgiveness after 20-25 years of qualifying payments.
SAVE Plan
$175.96
PAYE Plan
$270.08
IBR Plan (New)
$270.08
ICR Plan
$427.58
Standard 10-Year
$488.37
Monthly Savings (SAVE vs Standard)
$312.41
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How This Calculator Works
IDR payments are based on discretionary income = AGI − 150% of federal poverty guideline (225% for SAVE). SAVE/PAYE: 10% of discretionary income (5% for undergrad under SAVE). IBR: 15% (old) or 10% (new). ICR: 20% or 12-year fixed, whichever is less.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.