⚡ July 1, 2026 deadline approaching — New RAP rules replace SAVE and PAYE. Calculate how the 10% AGI cap and dependent child deduction change your monthly payment.
Updated for 2026 →Free tools suite 2026
🧠 Which loan calculator do you need?
We built two different tools because “monthly payment” and “total payoff” answer completely different questions.
Monthly Payment Calculator
“What do I owe next month?”
Uses 10% of discretionary income (income – 150% poverty). Includes family size deduction.
Total Payoff Calculator
“How much will I pay over 20–30 years?”
Compares RAP vs IBR vs Standard, shows forgiveness & write-off period.
💡 Most users start with monthly payment → then check if extra payments save them $10k+
Grade calculator 2026
- Letter grade scale (A–F)
- 🇺🇸 US GPA + 🇬🇧 UK degree classification
- “What do I need on my final?”
Monthly loan payment
- 🇺🇸 US: 10% discretionary income + dependent child deduction
- 🇬🇧 UK: 9% above threshold · Plan 2 (30yr) / Plan 5 (40yr)
- ✅ Updated for July 1, 2026 RAP rules
Total loan payoff
- RAP plan (new “Beautiful Bill Act”)
- 🇬🇧 UK Plan 2 / Plan 5 40-year term comparison
- Overpayment analysis: “Is it worth paying extra?”
AI photo analysis visual agent
- Extract data from blueprints / receipts
- Whiteboard notes → Jira tasks
- On‑device, GDPR‑friendly
AI humanizer
- ✅ Preserves technical terms (carbon emissions → carbon emissions)
- 📈 Burstiness & perplexity optimization
- 🌍 Multi-language (DE/FR/ES)
🧩 From grades to loans to AI agents — check your GPA, estimate monthly payments (10% AGI cap), compare total payoff (write-off period), then humanize your essay or extract data from images.
All tools 100% free, no registration, built for 2026 workflows.