Categories

Mortgage & Real EstateDebt & LoansInvestments & CryptoRetirement & SavingsTax & BusinessCareerReal EstateCost GuidesHome ImprovementLegal & BusinessAuto & VehicleEducationPetsImmigrationMilitary

Related Calculators

Student Loan Payoff Calculator 2026 →Student Loan Refinance Calculator →Student Loan Forgiveness Calculator 2026 →
HomeDebt & CreditStudent Loan IBR Calculator — 2025 Income-Based Repayment Estimator

Student Loan IBR Calculator — 2025 Income-Based Repayment Estimator

Estimate your federal IBR monthly payment using AGI, family size, and 2025 HHS poverty guidelines. Compare to standard 10-year payoff and see estimated forgiveness at year 25.

Auto-updated May 8, 2026 · Verified daily against IRS, Fed & Treasury sources

Instant resultsNo signupVerified formula
Free · No signup · Verified
Student Loan IBR Calculator — 2025 Income-Based Repayment Estimator

Enter your numbers below

$48,000
20000200000
1
18
$32,000
1000200000
5.5%
310

Assumptions

  • ·Fixed-APR amortization schedule
  • ·Assumes all payments made on time, no missed payments
  • ·No balance transfer fee modeling in base calc
  • ·Interest accrues on outstanding principal each period
When this is wrong
  • ·Collection penalties and late fees after missed payment
  • ·Promotional/introductory rate expiration resets
  • ·Balance transfer fee amortization beyond intro period
  • ·Creditor hardship program modifications
Assumptions▾
  • ·Fixed-APR amortization schedule
  • ·Assumes all payments made on time, no missed payments
  • ·No balance transfer fee modeling in base calc
  • ·Interest accrues on outstanding principal each period
When this is wrong
  • ·Collection penalties and late fees after missed payment
  • ·Promotional/introductory rate expiration resets
  • ·Balance transfer fee amortization beyond intro period
  • ·Creditor hardship program modifications

Related Calculators

Student Loan Payoff Calculator 2026 →Student Loan Refinance Calculator →Student Loan Forgiveness Calculator 2026 →
Your Results

Based on your inputs

ℹ️Demo numbers — replace inputs to see yours
IBR Monthly Payment
$212positivenegative trend

vs $347/mo on standard 10-year

Standard 10-yr Total Paid
$41,674
IBR 25-yr Total Paid
$54,629
Forgiven at Year 25
$0
Discretionary Income Calculation
AGI $48,000 − (150% × FPL $15,060 for family of 1) = $25,410 discretionary
IBR payment = 10% × $25,410 ÷ 12 = $212/mo
Standard plan: You pay $347/mo for 120 months — $41,674 total ($9,674 interest).
IBR plan: You pay $212/mo (re-certify yearly) for up to 300 months — $54,629 out of pocket, $0 forgiven at year 25.
Lifetime out-of-pocket savings on IBR: -$12,955. But IBR accrues $12,955 more interest over its lifetime due to the longer term and possible negative amortization.
Educational only. SAVE plan and Public Service Loan Forgiveness (PSLF) eligibility have additional requirements. Verify your specific plan, balance, and servicer at studentaid.gov. IBR forgiveness amounts are generally taxable as income per IRC §61.
Sources
  • 34 CFR §685.221 — IBR statutory authority (eCFR)
  • U.S. Dept. of Education studentaid.gov — IBR formula (IDR plans)
  • HHS 2025 Federal Poverty Guidelines (ASPE)
  • IRC §61 — gross income / cancellation-of-debt income

Reality Score:save 3 numbers across housing, debt & cash to see how your full picture holds up (0–100). One calc alone can't tell you that.

Stays in your browser. Never sent to us.

More actions
Embed
Email a copy of this result →

Email a copy of this result to yourself. We don't store it server-side; the email is the only copy.

Decision guides

Avalanche vs. Snowball: The Math
Interest saved and payoff time — actual numbers.
Debt Avalanche vs. Snowball Method
Which strategy fits your psychology and goals?
How to Pay Off Debt Fast
Proven tactics to accelerate payoff.

IBR is a federal repayment plan that caps your monthly student loan payment at 10% of discretionary income (defined as AGI minus 150% of the federal poverty line for your family size). Any remaining balance is forgiven after 25 years of qualifying payments per 34 CFR §685.221.

Discretionary income = AGI − (150% × federal poverty level × family size factor). For 2025, the HHS poverty level is $15,060 for a household of 1, plus $5,380 per additional person. So a single filer with $48,000 AGI has discretionary income of $48,000 − ($15,060 × 1.5) = $25,410.

Yes — under IRC §61, cancellation of debt is generally treated as taxable income in the year forgiven. Some federal carve-outs have applied to specific programs (PSLF, ARPA 2021–2025), but standard IBR forgiveness at year 25 is currently treated as taxable. Plan for the tax bill or verify your plan with a CPA.

If your IBR monthly payment is less than the monthly interest accruing on your balance, the unpaid interest is added to the balance — this is "negative amortization." Your balance can grow for years before payments catch up. Forgiveness at year 25 wipes the remaining balance.

IBR is the baseline income-driven plan (10% of discretionary income, 25-year forgiveness). SAVE replaced REPAYE with lower payments (5–10%) and unpaid-interest subsidy — its current legal status is in flux as of 2025. PSLF forgives federal loans after 10 years of qualifying payments at a 501(c)(3) or government employer. This calculator covers basic IBR only.

Standard 10-year: Monthly = P × r(1+r)n / ((1+r)n − 1), where P = balance, r = monthly rate, n = 120.

IBR monthly: 10% × discretionary income ÷ 12, where discretionary income = max(0, AGI − 150% × FPL × family size factor).

2025 FPL (HHS): $15,060 (single) + $5,380 per additional household member.

IBR 25-year simulation:Standard monthly amortization with the IBR payment held constant. If the payment doesn't cover monthly interest, the balance grows (negative amortization). Remaining balance at month 300 is treated as forgiven.

Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast updated May 9, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • CFPB — Debt Collection resources — Consumer Financial Protection Bureau (opens in new tab)
  • Federal Reserve G.19 — Consumer Credit — Board of Governors of the Federal Reserve System (opens in new tab)

Found an error in a formula or source? Report it →

Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.