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Baseline from the brief: — salary, — in student loans at a —% weighted average rate, income growing —× by Year 10.
Every chart and figure on this page recalculates as the sliders move. Reset returns to the plan in the brief.
Principal plus any unpaid interest. Monthly payments; interest at the weighted average rate.
The part of each year's payments that covers interest versus the part that reduces the balance.
How each year's income splits across needs, wants, loans and savings.
Monthly contributions growing at the assumed annual return.
Annual dollars for the scenario above. Green rows are years after the loans are paid off.
| Year | Income | Needs | Wants | Loan payments | Per month | Interest charged | Balance, year end | Saved | Savings balance |
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Model: monthly payments at a single weighted-average rate; income compounds evenly to the Year 10 multiple and keeps growing at that rate in longer plans. Savings return and tax rate are placeholder assumptions. For education and planning only, not financial advice.