Income-Driven Repayment Calculator

For IBR and PAYE, the calculator subtracts 150% of its poverty guideline from AGI and applies the selected rate. For ICR, it subtracts 100% of the guideline and applies 20%. This is a simplified estimate and does not reproduce every servicer calculation, eligibility rule, family-income rule, or ICR alternative-payment comparison.

In this calculator, IBR and PAYE protect 150% of the poverty guideline, while ICR protects 100%. The built-in values are the 2026 guidelines for the 48 contiguous states and DC; Alaska, Hawaii, later guideline years, and other program changes are not modeled. Any negative result is treated as zero.

The tool models simplified versions of IBR, PAYE, and ICR. It does not model the Repayment Assistance Plan, SAVE, current enrollment eligibility, loan-type restrictions, spousal-income rules, or every ICR formula component. Check StudentAid.gov and your servicer for the plans currently available to your loans.

IBR and PAYE limit your monthly payment to the amount you would pay on the standard 10-year plan, so the calculator needs your balance and interest rate to compute that ceiling. It amortizes your balance over 120 months at your rate and uses the lower of that figure and the income-driven amount. For ICR, the balance and rate do not change the payment because ICR has no standard-plan cap in this model.

No. It uses 2026 poverty guidelines and simplified plan formulas. It does not determine eligibility or model every loan type, spouse-income rule, alternative ICR amount, recertification date, interest rule, or current federal repayment option. Confirm any payment with StudentAid.gov and the loan servicer.

A $0 estimate means AGI did not exceed the protected amount under the selected simplified formula. Whether a month counts toward a particular discharge or forgiveness program depends on current enrollment, loan status, plan, and program rules. Confirm the account record with the servicer.