USAStudent Loan SAVE / IDR RepaymentFinance & SalaryUS Federal Student Loan SAVE Plan & Income-Driven Repayment (IDR) Calculator
Calculate monthly federal student loan payments under the SAVE (Saving on a Valuable Education) / IDR plan based on 225% federal poverty line income protection and 5% (undergrad) to 10% (graduate) discretionary income caps.
Calculator Inputs
Live Real-TimeCalculated Monthly SAVE / IDR Student Loan Payment
Protected Non-Taxable Income Threshold (225% FPL)
33,885 $/mo
Total Annual Student Loan Payment
1,055.76 $/mo
Detailed Calculation Breakdown
Calculation Methodology
Discretionary Income = max(0, AGI - (Federal Poverty Line * 2.25)). Monthly Payment = (Discretionary Income * (5% to 10%)) / 12.
Important Legal & Educational Disclaimer
Under the SAVE plan, borrowers earning less than 225% of the Federal Poverty Guideline qualify for $0/month payments, and unpaid interest does not accrue.
This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.
Frequently Asked Questions
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