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IDR Payment Estimator

Compare IBR, PAYE, and RAP payments side-by-side. See if you qualify for $0 payments.

Uses 2025 Federal Poverty Guidelines · All calculations happen in your browser · Nothing is stored or sent anywhere

Stuck in SAVE forbearance?

These months don't count toward forgiveness and interest is accruing. Use this tool to see what you'd pay on IBR or PAYE, then apply to switch immediately.

Adjusted gross income from your most recent tax return
Total federal loan balance (not private loans)
Affects IBR payment percentage (10% vs 15%) and forgiveness timeline

How IDR Payments Are Calculated

Discretionary income = Your AGI minus 150% of the Federal Poverty Guideline for your family size. IDR plans charge a percentage of this amount.

IBR (new borrowers): 10% of discretionary income, forgiveness after 20 years.
IBR (older borrowers): 15% of discretionary income, forgiveness after 25 years.
PAYE: 10% of discretionary income, forgiveness after 20 years.
RAP (new plan): Based on gross income (not discretionary), forgiveness after 30 years.

Our recommendation: IBR is the safest long-term choice — it's the only legacy plan surviving the July 2028 terminations.

Related Guides

Stuck in SAVE Forbearance?

How to escape the trap and resume qualifying payments.

Read guide

RAP vs Legacy IDR Plans

Side-by-side breakdown of the new plan vs existing options.

Read guide