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Student loan repayment calculator

About this calculator

This calculator will help you estimate your student loan repayment obligation, indicate how long it will take to pay off your loan and show the advantages of making extra payments.

Use of this tool does not result in data being submitted to us.

When to use this calculator

Use this calculator to either:

  • Find out how much you'll need to pay, your loan term and the effects of making extra payments.
  • Find out what you'll need to pay if you go overseas or return to New Zealand.

Read the assumptions about the student loan online repayment calculator

What you will need

If you are a New Zealand-based borrower, you will need details of your:

  • current loan balance
  • income for the current tax year

If you are an overseas-based borrower, you will need details of your:

  • current loan balance, and
  • current year repayment obligation
After you finish

Find out how to make extra repayments

You may wish to print and keep a copy of the calculation results page for your records. Please remember the results provided in the calculation are an estimate and for general guidance.

No information you provide while using the calculator is recorded, saved or in any way referenced by Inland Revenue. The calculator is stored on a secure part of our website to prevent unauthorised interception. If you are unable to access the calculator, you may need to update your browser and/or firewall settings.