Federal Repayment Utility
Student Loan IDR Estimator
Calculate your Income-Based Repayment (IBR) for 2026 and see how the loss of the SAVE plan impacts your wallet.
2026 LEGAL UPDATE: The SAVE Plan was vacated by a federal court in March 2026. Borrowers are being transitioned to IBR or the upcoming RAP plan. This calculator strictly utilizes the active 2026 IBR rules and the 2026 ASPE Poverty Guidelines.
Loan Profile
$
%
Income & Residency
$
Active IBR Payment (2026)
$0
Income-Based Repayment (10% Discretionary)
Standard 10-Year Plan Fixed payment to clear debt in 10 yrs
$0
Legacy SAVE Plan Defunct Based on 5% Discretionary Income
$0
Monthly Payment Shock
Cost of losing the SAVE Plan
Cost of losing the SAVE Plan
+$0
Calculations use the 2026 Federal Poverty Level of $15,960 for your family size.
Disclaimer: This tool estimates payments under the 2026 Income-Based Repayment (IBR) rules for new borrowers (10% of discretionary income above 150% of the poverty line). The "Legacy SAVE" calculation represents the undergraduate 5% cap rule that was voided by federal courts. Discretionary income calculations depend on accurate AGI reporting. Official bills may vary slightly based on loan servicer rounding and specific loan disbursement dates.