Student Finance Calculator · 2026/27
Student Finance Calculator 2026/27
Work out your Student Finance England maintenance loan in seconds, then see exactly what it looks like once rent, bills and everyday costs are taken out. No login, no spreadsheet — just your real numbers for the year ahead.
These are estimates based on official SFE rates for 2026/27 — not financial advice. Actual loan amounts may vary. Check gov.uk/student-finance for your official figure.
Phase 1 · Estimator
Don't know your loan yet? Estimate it.
Based on household income and where you'll be living for 2026/27.
Estimated annual loan
£10,227
Drops into your account 3 times a year.
That's £249 above the average student maintenance loan in the UK.
These are estimates based on official SFE rates for 2026/27. Actual loan amounts may vary. Check gov.uk/student-finance for your official figure.
Phase 2 · Reality check
Build your real budget.
Drag any category to rebalance — the rest adjusts automatically.
£650/month — Zuro's average for student rent in Manchester.
These are estimates, not financial advice. Actual costs vary by lifestyle and circumstances.
Frequently asked questions
How is the maintenance loan calculated for 2026/27?
It's based on household income and your living situation. Students with household income of £25,000 or under get the maximum loan for their category (living at home, away from home, or in London); the amount then tapers down linearly to a minimum at £70,000+ household income.
Is this the official Student Finance England calculator?
No — this is Zuro's independent estimator built on official 2026/27 SFE rate bands, designed to give you a quick, realistic figure. For your official confirmed amount, always check gov.uk/student-finance.
Do I need to create an account to use this?
No — the calculator and budget builder work fully without logging in. An account is only needed if you want to save your budget and get reminders when your loan is due to land.
How many times a year is the maintenance loan paid?
Three times a year, in termly instalments — typically around the start of autumn, spring, and summer terms.
What if my household income changes during the year?
SFE assesses your loan annually based on the previous tax year's household income, so a change part-way through the year won't usually affect the current year's instalments — it'll be reflected the following year.