This SAVE Plan Calculator helps you estimate your monthly student loan payments under the updated U.S. “Saving on a Valuable Education (SAVE)” income-driven repayment plan. Simply enter your undergrad and graduate loan amounts, income, household size, and location, and the tool automatically applies the correct weighted SAVE percentage and U.S. poverty guidelines.

The SAVE Plan is the newest income-driven repayment system in the United States, replacing REPAYE and offering lower monthly payments for millions of borrowers. Payments are calculated using a weighted percentage based on your undergrad and graduate loan proportions and your discretionary income above 225% of the federal poverty line. This calculator follows the real federal method, including dynamic poverty guideline values and a multi-currency display for international borrowers viewing U.S. repayments.