New: Updated for 2026/2027 Tax Year

Take control of your Student Loans

The modern financial companion for UK graduates. Visualize your debt-free date, audit your payslips, and optimize your repayments.

Download Plan Z Talk to Support

Free to start · Built on official 2026/2027 HMRC rates

See Plan Z in action

Everything your loan statement won't tell you

Four tools that turn confusing repayment rules into a clear plan.

Your Financial Snapshot

See yourWhole Loan Picture

One dashboard for your salary, loan plan, and repayment progress — updated the moment your numbers change.

Download Plan Z
🎯
Debt-free by 2038
Based on your plan
Dashboard
Plan 2 • £45,000 Salary
Projected Balance Debt Free in 2038
Interest Saved
£4,250
by voluntary contributions
Last Payslip
Safe
Deductions match HMRC rates
Visualize Freedom

Know yourDebt-Free Date

See exactly when you'll be debt-free. Our forecasting engine projects your interest and repayment timeline instantly.

Download Plan Z
📅
13 years to go
At current repayments
Projections
Plan 2 • £45,000 Salary
Payoff Timeline Debt Free in 2038
Remaining Balance
£24,500
as of today
Years Left
13
at current rate
Payroll, Checked

Catch payrollErrors Early

We check your Income Tax, NI, and Student Loan deductions against 2026/2027 HMRC rates on every payslip.

Download Plan Z
✅
Payslip: Safe
Matches HMRC rates
Payslip Auditor
August 2026
Deductions Check All Safe
Income Tax
£412.50 deducted
Matches HMRC
National Insurance
£198.20 deducted
Matches HMRC
Student Loan (Plan 2)
£87.00 deducted
Matches HMRC
Smart Contributions

Should youContribute Extra?

Model one-off or monthly voluntary contributions and see the long-term interest you'd save.

Download Plan Z
💰
£4,250 saved
By contributing £50/mo voluntarily
Voluntary Contributions
Plan 2 • £45,000 Salary
Debt-Free Date
No extra contributions
2038
£50/mo voluntarily
2036
Interest Saved
£4,250
by voluntarily contributing £50/mo
Get started in minutes

How Plan Z works

No spreadsheets, no guesswork — just answer a few questions about your loan and salary.

1

Set up your loan & salary

Tell us your student loan plan and income. It takes under two minutes.

2

See your debt-free date

Instantly view your personalised repayment timeline and total interest.

3

Audit & optimize

Check every payslip against HMRC rates and model voluntary contributions.

Ready to take control of your student loan?

Join UK graduates using Plan Z to plan their path to debt-free, faster.

Download Plan Z