Federal repayment calculator · current through September 29, 2026

Estimate your IBR payment.

IBR has different borrower categories and payment rates. Choose the category that matches your federal loan history; the result explains which rule was applied and what it cannot determine.

No account required

Estimate your IBR payment

Enter the figures used in the current federal formula. Your information is not saved.

Income and loan details

Annual adjusted gross income (AGI) used for the calculation

Use adjusted gross income from your most recent federal tax return. Joint filers should enter combined AGI unless currently separated or unable to reasonably access spouse income.

Which federal loan type do you have?

This affects whether a plan can be modeled. Parent PLUS and related consolidations are not included in these estimates.

IBR family size

Use the current federal IBR family-size rules.

Poverty-guideline location

Eligible balance when you entered IBR

The 10-year Standard payment cap is based on eligible balances and rates when you entered IBR—not necessarily today’s balance.

Average annual interest rate (%)

A single rate is an approximation if your loans have different rates.

Which IBR borrower category applies?

New borrowers use 10% and a 20-year horizon; other borrowers use 15% and a 25-year horizon. If unsure, check your federal loan history.

Have you received a new federal Direct Loan on or after July 1, 2026?

I made 60 or more qualifying REPAYE payments on or after July 1, 2024.

Federal tax filing status

I am currently separated or cannot reasonably access my spouse’s income.

This tool gives an estimate, not an official eligibility or payment determination. Confirm all details with your loan servicer.

Want a side-by-side view? Compare your options