IBR Calculator
Calculate your student loan payments under Income-Based Repayment (IBR) and other income-driven repayment plans.
IBR Calculator
Calculate your income-based repayment plan payments
Use our student loan calculator to estimate IBR payments
Go to Main CalculatorIncome-Driven Plans
- IBR: 10-15% of discretionary income
- PAYE: 10% of discretionary income
- REPAYE: 10% of discretionary income
- ICR: 20% of discretionary income
Example: $50,000 AGI, Family of 2
Discretionary Income
$50,000 - $25,760 = $24,240
IBR Payment (15%)
$303/month
PAYE/REPAYE (10%)
$202/month
IBR Plan Comparison
IBR (Income-Based Repayment)
Caps payments at 10-15% of discretionary income. Available to borrowers with partial financial hardship. Forgiveness after 20-25 years.
PAYE (Pay As You Earn)
Caps payments at 10% of discretionary income. Has income limits and must demonstrate financial hardship. Forgiveness after 20 years.
REPAYE (Revised Pay As You Earn)
Caps payments at 10% of discretionary income. No income limits. Always includes spousal income. Forgiveness after 20-25 years.
Calculate Your IBR Payment
Use our calculator to estimate your income-based repayment plan payments.
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