REPAYE Calculator

Calculate your Revised Pay As You Earn payment with interest subsidy benefits.

Loan Balance ($)

Interest Rate (%)

Loan Type

Your Annual Income ($)

Spouse Annual Income ($)

REPAYE always includes spouse income

Income Growth (%/year)

Family Size

Years in Repayment

$276/mo

10% of discretionary income (no cap)

50% of unpaid interest covered

Standard Payment$518

Total Payments$80,850

Forgiveness (20 years)$0

Years Remaining20

Est. Tax on Forgiveness$0

Year 1$276/mo

Year 2$290/mo

Year 3$304/mo

Year 4$319/mo

Year 5$334/mo

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MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.