Estimate and compare IBR, RAP, PSLF and Standard plans side-by-side — see which may have the lowest estimated cost and how extra payments could affect your payoff timeline. One purchase gets you both: the web app and the same calculator as an Excel file you keep.
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Sample result — $55K loan, 6.8% rate, $45K income
Tap ƒ to see the formula.
📊Also included: the Excel workbook — the same inputs and plan comparison, plus step-by-step math, extra payments, a year-by-year table and a PSLF check, all as live formulas. Change a blue cell and everything recalculates.
…and more: RAP and SAVE (reference) step by step, an extra-payment optimizer for your best plan, IDR forgiveness in the year-by-year table, plus a built-in "How it works" guide.
Tap a picture to see it full size.
Compare every plan side-by-side — with your actual income and loan details. All of this is in both the web app and the Excel workbook.
See which plan has the lowest estimated cost — with estimated monthly payments and total cost based on your numbers.
Standard, Extended, IBR and RAP side-by-side — plus SAVE for reference, so you can see the full picture.
See if you may qualify for Public Service Loan Forgiveness — estimated forgiven amount and 120-payment countdown.
Slide to add extra monthly payments and see how much sooner you pay off — and how much interest you save.
Projected balance under each plan with modeled income growth — see forgiveness year highlighted.
Full formula walkthrough for Standard, IBR and RAP (plus SAVE for reference) — so you understand exactly how each payment is calculated.
Adjust each input to your own situation — your loans, income, family size and state — and see how each scenario plays out. The same inputs are already laid out in both versions — nothing to set up.
Both versions start with typical values already filled in — type over any of them, and check how each result is worked out.
Loan balance, interest rate, income growth, forgiveness tax rate, poverty line figures — type over any starting value to match your situation.
Tap ƒ next to a result, a table column or a chart line to see how it's calculated, step by step.
Paste your inputs, the plan comparison and the year-by-year table into Excel or Google Sheets — change any input there and everything recalculates.
Change any blue value on the Inputs sheet — every sheet recalculates, and an input check tells you when everything looks fine.
Each result cell holds its own formula — click it to see how it's built. The Step-by-Step sheet walks through every payment.
Change or extend any formula. The "How it works" sheet explains each plan and the assumptions behind it.
Buy once and use both versions as often as you like — run every scenario you need.
Open your link in any browser and start right away.
Install once on your phone or computer, then use it anywhere — even with no internet.
Keep each scenario separately — IBR vs RAP, with or without $200 extra a month.
Desktop & AndroidSend a scenario to your partner or advisor.
The .xlsx is yours to keep — open it any time, no internet needed.
Save a copy for each case — IBR vs RAP, with or without $200 extra a month — and compare them side by side.
Microsoft Excel, Google Sheets or LibreOffice.
🔒 No account, no subscription — your data stays on your device.
Enter your loan and income details and explore estimated repayment costs, timelines, and forgiveness.
🔒 Secure checkout via Gumroad · Card or PayPal · Instant download
Need more than one? Get all 5 calculators for $39.99 →