Income-Based Repayment (IBR) caps your federal student loan payment at a percentage of your discretionary income, making payments more manageable when your salary is low relative to your debt. This calculator estimates your monthly IBR payment based on your adjusted gross income (AGI) and family size using the standard federal poverty guidelines.
Enter Your Measurements
Results
Monthly IBR Payment
186.75
$
Annual IBR Payment
2,241.00
$
Formula
How to Use This Calculator
How to Use
- 1
Enter your Adjusted Gross Income (AGI) from your most recent tax return.
- 2
Enter your household family size.
- 3
Enter your current federal student loan balance.
- 4
Review your estimated monthly IBR payment.
Frequently Asked Questions
Frequently Asked Questions
Who qualifies for IBR?
What happens after 20 or 25 years on IBR?
Is IBR the same as SAVE or PAYE?
In-Depth Guides
How to Pay Off Student Loans Faster: 7 Strategies
Discover 7 proven strategies to pay off student loans faster — from the debt avalanche to refinancing and PSLF eligibility. Includes real payoff math.
Student Loan Refinancing: When to Do It and When to Wait
Learn when to refinance student loans, how much you can save, what credit score you need, and the critical risk of refinancing federal loans into private loans.
How to Use Student Loans Wisely: Borrowing, Repaying, and Avoiding Regret
A practical guide to borrowing student loans responsibly, understanding loan types, and choosing repayment strategies that minimize total cost.
Related Calculators
Related Calculators
About This Calculator
This calculator uses the formula: Discretionary Income = AGI − (150% × Federal Poverty Line for family size) Monthly IBR Payment = Discretionary Income × 10% / 12. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
▶Embed this calculator on your website
Copy and paste this code into your page:
<iframe src="https://calcsmart.io/embed/income-based-repayment-calculator" width="100%" height="520" frameborder="0" style="border-radius:8px;border:1px solid #e5e7eb" title="Income-Based Repayment Calculator"></iframe>Free to embed. Attribution link included automatically.