The Student Loan Calculator App for iPhone
Built by The College Investor team. Estimate monthly payments, compare all repayment plans (including the new RAP) and build a real payoff strategy, right from your iPhone.
100% Free | No Sign Up Required
Everything You Need To Tackle Student Loan Debt
Monthly Payment Calculator
Enter loan balance, rate, and term. See instant monthly estimates with full amortization breakdowns.
RAP Calculator
Model your payment under the new Repayment Assistance Plan based on your adjusted gross income.
Repayment Plan Comparison
Compare Standard, Graduated, IBR, PAYE, RAP, and more side-by-side to see the true lifetime cost.
Interest Cost Breakdown
Understand exactly how much your loans actually cost you over the full life of the loan.
Tax Bomb Calculator
See how much a potential future tax bomb could if your loan forgiveness is taxable.
Works Offline
No internet required. All calculations happen on-device — perfect for anywhere you need it.
From Download to Debt Plan in 3 Steps
Step 1 - Download & Open
Get the app from the App Store, install the free app, and launch. No signup or account required.
Step 2 - Enter Your Loan Details
Type your balance, interest rate, and any unique scenarios (like Parent PLUS loans or Old Pre-2014 Borrower).
Step 3 - Compare & Decide
See your monthly payment, total interest, and PSLF eligiblility. Pick the plan that fits your life.
Quick Student Loan Payment Estimate
Use the Student Loan Calculator app to get a quick student loan payment estimate. The full iOS app includes repayment plan comparison, full payment amounts including interest paid, and RAP income modeling.
- Repayment Plan Comparison
- Tax Bomb Modeling
- Works Offline Once Downloaded
Frequently Asked Questions
Yes. It is completely free with no signup and no in-app purchases. Built by The College Investor as a resource.
Yes. The app includes a dedicated RAP (Repayment Assistance Plan) calculator based on the 2026 OBBBA changes.
No. Everything is calculated on-device. Your numbers never leave your iPhone.
iPhone running iOS 16 or later. An Android version is on the roadmap.
Start Your Path to Student Debt Freedom
Download the free iOS app and know your numbers in under 2 minutes. No sign-up, no upsells, no nonsense.