Loading tools
See how your confirmed 2026/27 Student Finance England payments compare with your costs across the three terms.
Lowest projected balance after a term
Illustrative sample-£1,500.00
The first projected shortfall appears after term 2. This is a cash-flow estimate based on the amounts entered.
Edit inputsThis does not estimate loan eligibility, payment dates or entitlements. It assumes the entered costs and other money are available during their stated term.
Each term starts with the previous term's closing balance, then adds the loan payment and subtracts entered costs.
Use the payment amounts in your Student Finance Notification of Entitlement. Enter each term's loan payment separately; this planner does not assume an equal split.
Do not include money you cannot access for this academic year.
Enter the payment notified for this term.
Include only money available to cover this term.
Include the costs you expect to pay during this term.
Enter the payment notified for this term.
Include only money available to cover this term.
Include the costs you expect to pay during this term.
Enter the payment notified for this term.
Include only money available to cover this term.
Include the costs you expect to pay during this term.
Focus the table and use the arrow keys to compare every column.
| Term | Opening balance | Loan payment | Other funds | Costs | Closing balance |
|---|---|---|---|---|---|
| Term 1 | £1,000.00 | £2,900.00 | £0.00 | £3,500.00 | £400.00 |
| Term 2 | £400.00 | £3,000.00 | £0.00 | £4,200.00 | -£800.00 |
| Term 3 | -£800.00 | £3,100.00 | £0.00 | £3,800.00 | -£1,500.00 |
The official calculator estimates what you may qualify for. This planner has a different job: enter the actual Maintenance Loan payment amounts confirmed in your Student Finance Notification of Entitlement, then compare them with your own budget. It does not calculate eligibility or award amounts.
For the 2026/27 rate and household-income rules, read the England Student Maintenance Loan guide. The planner uses term labels rather than guessing payment dates; your notification remains the source for when money is due.
Use Student Finance England's award notification for your amounts and dates. This tool provides a budget illustration only.