About IBRCalcs
A free, independent resource dedicated to helping student loan borrowers navigate Income-Based Repayment.
Our Mission
Federal student loan repayment rules are complex, frequently changing, and often poorly explained. The result is that millions of borrowers end up overpaying — or missing out on programs they qualify for.
IBRCalcs was built to fix that. We provide free, accurate calculators and plain-English guides so that every borrower can understand their options and make informed decisions — without needing to hire a financial advisor or wade through government documents.
What We Offer
Free Calculators
Accurate IBR, SAVE, and PAYE payment calculators with forgiveness projections.
Expert Guides
Plain-English articles explaining repayment plans, forgiveness rules, and how to apply.
No Hidden Agenda
We don't sell financial products. We earn revenue through ads so you can keep using everything for free.
Important Disclaimer
IBRCalcs provides educational tools and information only. Our calculators produce estimates based on the formula published by the US Department of Education. Results are not guaranteed and should not be treated as financial, tax, or legal advice.
Student loan rules change frequently. Always verify your options with your loan servicer and at StudentAid.gov.
Contact
Have a question, found an error, or want to suggest a feature? We'd love to hear from you. Reach out at [email protected].