A free iOS app that shows what your student loans really cost. Compare monthly payments across Standard, Graduated, IBR, PAYE, and the new RAP plan side by side. See total interest, forgiveness timelines, and the potential tax bill on forgiven debt. Built by The College Investor team. No sign-up, no data collection — every calculation runs on your device. See you repayment options in minutes.

Hey Product Hunt, Robert here, founder of The College Investor. I've been answering student loan questions since 2009, and the most common one is still the simplest: "What will my student loan payment actually be?" With the new Repayment Assistance Plan (RAP) now in the mix alongside IBR, PAYE, and the legacy plans, that answer got harder to find, not easier. When you add in potential taxes - even more things to think about. So our team built the calculator we always wished existed. Enter your loan info and see your monthly payment on every federal repayment plan side by side, plus total interest, forgiveness timelines, and the potential tax bill if your forgiven balance ends up taxable. A few things that matter to us: 100% free. No sign-up, no in-app purchases. Every calculation runs on your device so your loan data never leaves your phone. Current. It models the rules borrowers are dealing with right now, including RAP. It's iOS for now (Android is on the roadmap). If you have student loans (or help someone who does)I'd love to know: which repayment question do you find hardest to answer? We read everything, and it shapes what we build next.

@robert_farrington so the calulator doesn’t take into account if you’re married filing jointly and your spouse also has loans. I am currently in PAYE for graduate loans but my spouse also has loans.

Student Loan Calculator by TCI

Compare every federal student loan repayment plan for free

Compare every federal student loan repayment plan for free