Student Loan SAVE / IDR Plan Payment Calculator
Calculate monthly student loan payments under Income-Driven Repayment (IDR) and SAVE plans based on AGI and family size.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
SAVE Payment = 5% (undergrad) to 10% (grad) of Discretionary Income above 225% of Federal Poverty Line
SAVE protects more income (225% FPL) than legacy REPAYE/IBR plans (150% FPL), lowering monthly payments.
Frequently Asked Questions
Does unpaid interest accumulate on SAVE?
No, if your SAVE payment does not cover monthly interest, the government waives the remaining interest.