Free RAP vs IBR calculator: AGI brackets, $50/dependent credit, interest waiver + principal match, forgiveness timeline. No signup. Built for SAVE transitions. Educational only—not financial advice.
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Maker
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We built this because the SAVE → RAP transition leaves borrowers guessing on payment math the Loan Simulator glosses over.
Prosperics RAP Calculator models the 1–10% AGI brackets, the $50/dependent reduction, unpaid-interest waiver + principal match, and a side-by-side vs IBR with forgiveness timelines.
No signup. Sources/methodology: https://prosperics.com/editorial...
Happy to answer questions about the repayment math. — Dariush Tari, Prosperics (DIGITI LLC)
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The no-signup approach is genuinely refreshing for a financial tool, and the clear labeling of inputs versus outputs makes the math easy to follow without second-guessing yourself.
The no-signup approach is genuinely refreshing for a financial tool, and the clear labeling of inputs versus outputs makes the math easy to follow without second-guessing yourself.