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Runs in your browser · Last updated 4 September 2026

Student Loan IDR Calculator 2026

Free student loan IDR calculator for 2026. RAP vs new/old IBR using HHS poverty guidelines. SAVE is gone. Browser tool — nothing is uploaded.

Cheaper monthly (this year): RAP. SAVE is gone. RAP launched 1 July 2026. IBR uses 2026 HHS poverty guidelines (48 states + DC). Not a servicer recertification.

10-year standard

$454.19

RAP

$325.00

New IBR (10% / 20 yr)

$342.17

Old IBR (15% / 25 yr)

$454.19

How to use this tool

  1. Enter federal balance and rate (for the 10-year standard cap).
  2. Enter AGI, household size, and RAP dependents.
  3. Compare RAP vs new/old IBR vs standard.

Worked example

$40,000 at 6.5%, AGI $65,000, household of one: RAP is 6% of AGI ($325/month). New IBR is 10% of income above 150% of $15,960. The cheaper badge is this year’s payment only — RAP forgiveness is longer. Extra principal on a fixed note (not IDR) lives on the student loan extra payment calculator.

Frequently asked questions

What happened to SAVE?
SAVE is gone (court vacatur and statute). Do not use a 2024 SAVE calculator.
What is RAP?
Repayment Assistance Plan, live 1 July 2026. Payment is 1–10% of AGI by $10,000 bracket (or $10 if AGI ≤ $10,000), minus $50 per dependent, $10 floor. Forgiveness is 30 years. No $0 months.
What is IBR in 2026?
New IBR: 10% of discretionary income (AGI − 150% of 2026 HHS FPL), capped at the 10-year standard, 20-year forgiveness for first loans on/after 1 July 2014. Old IBR is 15% / 25 years. This page uses the 48-state FPL ($15,960 for one).
PAYE / ICR?
Sunsetting by 1 July 2028. Not modeled here.
Is AGI uploaded?
No.