Student Loan Calculator (Canada)
Plan your Canada Student Loan repayment with federal and provincial portions in one place. Federal loans have 0% interest (since April 2021); provincial portions may have a small rate. Enter your federal and provincial balances, choose a repayment term, and see your combined payment, total interest, and full schedule. Optionally enter household income and family size for an illustrative Repayment Assistance (RAP) style estimate—official RAP is determined by the NSLSC.
Display currency
🇨🇦 CAD
Inputs
%
%
years
Monthly
Optional: Repayment Assistance (RAP) estimate
Results
Combined payment per periodCA$323
Total interestCA$1,867
Principal & interest
CA$36,867
- Federal principalCA$20,000 (54%)
- Provincial principalCA$15,000 (41%)
- Total interestCA$1,867 (5%)
Principal and interest over time
Combined federal and provincial payments by year.
Loading chart…
Payment #1PaymentCA$323PrincipalCA$292InterestCA$31BalanceCA$34,708
Payment #2PaymentCA$323PrincipalCA$292InterestCA$31BalanceCA$34,415
Payment #3PaymentCA$323PrincipalCA$293InterestCA$31BalanceCA$34,123
Payment #4PaymentCA$323PrincipalCA$293InterestCA$31BalanceCA$33,830
Payment #5PaymentCA$323PrincipalCA$293InterestCA$30BalanceCA$33,537
Payment #6PaymentCA$323PrincipalCA$293InterestCA$30BalanceCA$33,243
Payment #7PaymentCA$323PrincipalCA$294InterestCA$30BalanceCA$32,950
Payment #8PaymentCA$323PrincipalCA$294InterestCA$30BalanceCA$32,656
Payment #9PaymentCA$323PrincipalCA$294InterestCA$29BalanceCA$32,362
Payment #10PaymentCA$323PrincipalCA$294InterestCA$29BalanceCA$32,068
Payment #11PaymentCA$323PrincipalCA$295InterestCA$29BalanceCA$31,773
Payment #12PaymentCA$323PrincipalCA$295InterestCA$29BalanceCA$31,478
Payment #13PaymentCA$323PrincipalCA$295InterestCA$28BalanceCA$31,183
Payment #14PaymentCA$323PrincipalCA$295InterestCA$28BalanceCA$30,888
Payment #15PaymentCA$323PrincipalCA$296InterestCA$28BalanceCA$30,592
Payment #16PaymentCA$323PrincipalCA$296InterestCA$28BalanceCA$30,296
Payment #17PaymentCA$323PrincipalCA$296InterestCA$27BalanceCA$30,000
Payment #18PaymentCA$323PrincipalCA$296InterestCA$27BalanceCA$29,704
Payment #19PaymentCA$323PrincipalCA$297InterestCA$27BalanceCA$29,407
Payment #20PaymentCA$323PrincipalCA$297InterestCA$27BalanceCA$29,110
Payment #21PaymentCA$323PrincipalCA$297InterestCA$26BalanceCA$28,813
Payment #22PaymentCA$323PrincipalCA$297InterestCA$26BalanceCA$28,516
Payment #23PaymentCA$323PrincipalCA$298InterestCA$26BalanceCA$28,218
Payment #24PaymentCA$323PrincipalCA$298InterestCA$26BalanceCA$27,920
Payment #25PaymentCA$323PrincipalCA$298InterestCA$25BalanceCA$27,622
Payment #26PaymentCA$323PrincipalCA$298InterestCA$25BalanceCA$27,324
Payment #27PaymentCA$323PrincipalCA$299InterestCA$25BalanceCA$27,025
Payment #28PaymentCA$323PrincipalCA$299InterestCA$25BalanceCA$26,726
Payment #29PaymentCA$323PrincipalCA$299InterestCA$24BalanceCA$26,427
Payment #30PaymentCA$323PrincipalCA$299InterestCA$24BalanceCA$26,128
Payment #31PaymentCA$323PrincipalCA$300InterestCA$24BalanceCA$25,828
Payment #32PaymentCA$323PrincipalCA$300InterestCA$23BalanceCA$25,528
Payment #33PaymentCA$323PrincipalCA$300InterestCA$23BalanceCA$25,228
Payment #34PaymentCA$323PrincipalCA$300InterestCA$23BalanceCA$24,928
Payment #35PaymentCA$323PrincipalCA$301InterestCA$23BalanceCA$24,627
Payment #36PaymentCA$323PrincipalCA$301InterestCA$22BalanceCA$24,326
Payment #37PaymentCA$323PrincipalCA$301InterestCA$22BalanceCA$24,025
Payment #38PaymentCA$323PrincipalCA$301InterestCA$22BalanceCA$23,723
Payment #39PaymentCA$323PrincipalCA$302InterestCA$22BalanceCA$23,421
Payment #40PaymentCA$323PrincipalCA$302InterestCA$21BalanceCA$23,119
Payment #41PaymentCA$323PrincipalCA$302InterestCA$21BalanceCA$22,817
Payment #42PaymentCA$323PrincipalCA$303InterestCA$21BalanceCA$22,515
Payment #43PaymentCA$323PrincipalCA$303InterestCA$21BalanceCA$22,212
Payment #44PaymentCA$323PrincipalCA$303InterestCA$20BalanceCA$21,909
Payment #45PaymentCA$323PrincipalCA$303InterestCA$20BalanceCA$21,605
Payment #46PaymentCA$323PrincipalCA$304InterestCA$20BalanceCA$21,302
Payment #47PaymentCA$323PrincipalCA$304InterestCA$20BalanceCA$20,998
Payment #48PaymentCA$323PrincipalCA$304InterestCA$19BalanceCA$20,694
Payment #49PaymentCA$323PrincipalCA$304InterestCA$19BalanceCA$20,389
Payment #50PaymentCA$323PrincipalCA$305InterestCA$19BalanceCA$20,085
Payment #51PaymentCA$323PrincipalCA$305InterestCA$18BalanceCA$19,780
Payment #52PaymentCA$323PrincipalCA$305InterestCA$18BalanceCA$19,474
Payment #53PaymentCA$323PrincipalCA$305InterestCA$18BalanceCA$19,169
Payment #54PaymentCA$323PrincipalCA$306InterestCA$18BalanceCA$18,863
Payment #55PaymentCA$323PrincipalCA$306InterestCA$17BalanceCA$18,557
Payment #56PaymentCA$323PrincipalCA$306InterestCA$17BalanceCA$18,251
Payment #57PaymentCA$323PrincipalCA$307InterestCA$17BalanceCA$17,944
Payment #58PaymentCA$323PrincipalCA$307InterestCA$17BalanceCA$17,637
Payment #59PaymentCA$323PrincipalCA$307InterestCA$16BalanceCA$17,330
Payment #60PaymentCA$323PrincipalCA$307InterestCA$16BalanceCA$17,023
Payment #61PaymentCA$323PrincipalCA$308InterestCA$16BalanceCA$16,715
Payment #62PaymentCA$323PrincipalCA$308InterestCA$15BalanceCA$16,407
Payment #63PaymentCA$323PrincipalCA$308InterestCA$15BalanceCA$16,099
Payment #64PaymentCA$323PrincipalCA$309InterestCA$15BalanceCA$15,791
Payment #65PaymentCA$323PrincipalCA$309InterestCA$15BalanceCA$15,482
Payment #66PaymentCA$323PrincipalCA$309InterestCA$14BalanceCA$15,173
Payment #67PaymentCA$323PrincipalCA$309InterestCA$14BalanceCA$14,863
Payment #68PaymentCA$323PrincipalCA$310InterestCA$14BalanceCA$14,554
Payment #69PaymentCA$323PrincipalCA$310InterestCA$14BalanceCA$14,244
Payment #70PaymentCA$323PrincipalCA$310InterestCA$13BalanceCA$13,934
Payment #71PaymentCA$323PrincipalCA$310InterestCA$13BalanceCA$13,623
Payment #72PaymentCA$323PrincipalCA$311InterestCA$13BalanceCA$13,313
Payment #73PaymentCA$323PrincipalCA$311InterestCA$12BalanceCA$13,002
Payment #74PaymentCA$323PrincipalCA$311InterestCA$12BalanceCA$12,690
Payment #75PaymentCA$323PrincipalCA$312InterestCA$12BalanceCA$12,379
Payment #76PaymentCA$323PrincipalCA$312InterestCA$12BalanceCA$12,067
Payment #77PaymentCA$323PrincipalCA$312InterestCA$11BalanceCA$11,755
Payment #78PaymentCA$323PrincipalCA$312InterestCA$11BalanceCA$11,442
Payment #79PaymentCA$323PrincipalCA$313InterestCA$11BalanceCA$11,130
Payment #80PaymentCA$323PrincipalCA$313InterestCA$10BalanceCA$10,817
Payment #81PaymentCA$323PrincipalCA$313InterestCA$10BalanceCA$10,503
Payment #82PaymentCA$323PrincipalCA$314InterestCA$10BalanceCA$10,190
Payment #83PaymentCA$323PrincipalCA$314InterestCA$10BalanceCA$9,876
Payment #84PaymentCA$323PrincipalCA$314InterestCA$9BalanceCA$9,562
Payment #85PaymentCA$323PrincipalCA$314InterestCA$9BalanceCA$9,247
Payment #86PaymentCA$323PrincipalCA$315InterestCA$9BalanceCA$8,933
Payment #87PaymentCA$323PrincipalCA$315InterestCA$8BalanceCA$8,618
Payment #88PaymentCA$323PrincipalCA$315InterestCA$8BalanceCA$8,302
Payment #89PaymentCA$323PrincipalCA$316InterestCA$8BalanceCA$7,987
Payment #90PaymentCA$323PrincipalCA$316InterestCA$8BalanceCA$7,671
Payment #91PaymentCA$323PrincipalCA$316InterestCA$7BalanceCA$7,355
Payment #92PaymentCA$323PrincipalCA$316InterestCA$7BalanceCA$7,038
Payment #93PaymentCA$323PrincipalCA$317InterestCA$7BalanceCA$6,721
Payment #94PaymentCA$323PrincipalCA$317InterestCA$6BalanceCA$6,404
Payment #95PaymentCA$323PrincipalCA$317InterestCA$6BalanceCA$6,087
Payment #96PaymentCA$323PrincipalCA$318InterestCA$6BalanceCA$5,769
Payment #97PaymentCA$323PrincipalCA$318InterestCA$5BalanceCA$5,451
Payment #98PaymentCA$323PrincipalCA$318InterestCA$5BalanceCA$5,133
Payment #99PaymentCA$323PrincipalCA$319InterestCA$5BalanceCA$4,814
Payment #100PaymentCA$323PrincipalCA$319InterestCA$5BalanceCA$4,496
Payment #101PaymentCA$323PrincipalCA$319InterestCA$4BalanceCA$4,176
Payment #102PaymentCA$323PrincipalCA$319InterestCA$4BalanceCA$3,857
Payment #103PaymentCA$323PrincipalCA$320InterestCA$4BalanceCA$3,537
Payment #104PaymentCA$323PrincipalCA$320InterestCA$3BalanceCA$3,217
Payment #105PaymentCA$323PrincipalCA$320InterestCA$3BalanceCA$2,897
Payment #106PaymentCA$323PrincipalCA$321InterestCA$3BalanceCA$2,576
Payment #107PaymentCA$323PrincipalCA$321InterestCA$2BalanceCA$2,255
Payment #108PaymentCA$323PrincipalCA$321InterestCA$2BalanceCA$1,934
Payment #109PaymentCA$323PrincipalCA$322InterestCA$2BalanceCA$1,612
Payment #110PaymentCA$323PrincipalCA$322InterestCA$2BalanceCA$1,291
Payment #111PaymentCA$323PrincipalCA$322InterestCA$1BalanceCA$968
Payment #112PaymentCA$323PrincipalCA$322InterestCA$1BalanceCA$646
Payment #113PaymentCA$323PrincipalCA$323InterestCA$1BalanceCA$323
Payment #114PaymentCA$323PrincipalCA$323InterestCA$0BalanceCA$0
| Payment # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | CA$323 | CA$292 | CA$31 | CA$34,708 |
| 2 | CA$323 | CA$292 | CA$31 | CA$34,415 |
| 3 | CA$323 | CA$293 | CA$31 | CA$34,123 |
| 4 | CA$323 | CA$293 | CA$31 | CA$33,830 |
| 5 | CA$323 | CA$293 | CA$30 | CA$33,537 |
| 6 | CA$323 | CA$293 | CA$30 | CA$33,243 |
| 7 | CA$323 | CA$294 | CA$30 | CA$32,950 |
| 8 | CA$323 | CA$294 | CA$30 | CA$32,656 |
| 9 | CA$323 | CA$294 | CA$29 | CA$32,362 |
| 10 | CA$323 | CA$294 | CA$29 | CA$32,068 |
| 11 | CA$323 | CA$295 | CA$29 | CA$31,773 |
| 12 | CA$323 | CA$295 | CA$29 | CA$31,478 |
| 13 | CA$323 | CA$295 | CA$28 | CA$31,183 |
| 14 | CA$323 | CA$295 | CA$28 | CA$30,888 |
| 15 | CA$323 | CA$296 | CA$28 | CA$30,592 |
| 16 | CA$323 | CA$296 | CA$28 | CA$30,296 |
| 17 | CA$323 | CA$296 | CA$27 | CA$30,000 |
| 18 | CA$323 | CA$296 | CA$27 | CA$29,704 |
| 19 | CA$323 | CA$297 | CA$27 | CA$29,407 |
| 20 | CA$323 | CA$297 | CA$27 | CA$29,110 |
| 21 | CA$323 | CA$297 | CA$26 | CA$28,813 |
| 22 | CA$323 | CA$297 | CA$26 | CA$28,516 |
| 23 | CA$323 | CA$298 | CA$26 | CA$28,218 |
| 24 | CA$323 | CA$298 | CA$26 | CA$27,920 |
| 25 | CA$323 | CA$298 | CA$25 | CA$27,622 |
| 26 | CA$323 | CA$298 | CA$25 | CA$27,324 |
| 27 | CA$323 | CA$299 | CA$25 | CA$27,025 |
| 28 | CA$323 | CA$299 | CA$25 | CA$26,726 |
| 29 | CA$323 | CA$299 | CA$24 | CA$26,427 |
| 30 | CA$323 | CA$299 | CA$24 | CA$26,128 |
| 31 | CA$323 | CA$300 | CA$24 | CA$25,828 |
| 32 | CA$323 | CA$300 | CA$23 | CA$25,528 |
| 33 | CA$323 | CA$300 | CA$23 | CA$25,228 |
| 34 | CA$323 | CA$300 | CA$23 | CA$24,928 |
| 35 | CA$323 | CA$301 | CA$23 | CA$24,627 |
| 36 | CA$323 | CA$301 | CA$22 | CA$24,326 |
| 37 | CA$323 | CA$301 | CA$22 | CA$24,025 |
| 38 | CA$323 | CA$301 | CA$22 | CA$23,723 |
| 39 | CA$323 | CA$302 | CA$22 | CA$23,421 |
| 40 | CA$323 | CA$302 | CA$21 | CA$23,119 |
| 41 | CA$323 | CA$302 | CA$21 | CA$22,817 |
| 42 | CA$323 | CA$303 | CA$21 | CA$22,515 |
| 43 | CA$323 | CA$303 | CA$21 | CA$22,212 |
| 44 | CA$323 | CA$303 | CA$20 | CA$21,909 |
| 45 | CA$323 | CA$303 | CA$20 | CA$21,605 |
| 46 | CA$323 | CA$304 | CA$20 | CA$21,302 |
| 47 | CA$323 | CA$304 | CA$20 | CA$20,998 |
| 48 | CA$323 | CA$304 | CA$19 | CA$20,694 |
| 49 | CA$323 | CA$304 | CA$19 | CA$20,389 |
| 50 | CA$323 | CA$305 | CA$19 | CA$20,085 |
| 51 | CA$323 | CA$305 | CA$18 | CA$19,780 |
| 52 | CA$323 | CA$305 | CA$18 | CA$19,474 |
| 53 | CA$323 | CA$305 | CA$18 | CA$19,169 |
| 54 | CA$323 | CA$306 | CA$18 | CA$18,863 |
| 55 | CA$323 | CA$306 | CA$17 | CA$18,557 |
| 56 | CA$323 | CA$306 | CA$17 | CA$18,251 |
| 57 | CA$323 | CA$307 | CA$17 | CA$17,944 |
| 58 | CA$323 | CA$307 | CA$17 | CA$17,637 |
| 59 | CA$323 | CA$307 | CA$16 | CA$17,330 |
| 60 | CA$323 | CA$307 | CA$16 | CA$17,023 |
| 61 | CA$323 | CA$308 | CA$16 | CA$16,715 |
| 62 | CA$323 | CA$308 | CA$15 | CA$16,407 |
| 63 | CA$323 | CA$308 | CA$15 | CA$16,099 |
| 64 | CA$323 | CA$309 | CA$15 | CA$15,791 |
| 65 | CA$323 | CA$309 | CA$15 | CA$15,482 |
| 66 | CA$323 | CA$309 | CA$14 | CA$15,173 |
| 67 | CA$323 | CA$309 | CA$14 | CA$14,863 |
| 68 | CA$323 | CA$310 | CA$14 | CA$14,554 |
| 69 | CA$323 | CA$310 | CA$14 | CA$14,244 |
| 70 | CA$323 | CA$310 | CA$13 | CA$13,934 |
| 71 | CA$323 | CA$310 | CA$13 | CA$13,623 |
| 72 | CA$323 | CA$311 | CA$13 | CA$13,313 |
| 73 | CA$323 | CA$311 | CA$12 | CA$13,002 |
| 74 | CA$323 | CA$311 | CA$12 | CA$12,690 |
| 75 | CA$323 | CA$312 | CA$12 | CA$12,379 |
| 76 | CA$323 | CA$312 | CA$12 | CA$12,067 |
| 77 | CA$323 | CA$312 | CA$11 | CA$11,755 |
| 78 | CA$323 | CA$312 | CA$11 | CA$11,442 |
| 79 | CA$323 | CA$313 | CA$11 | CA$11,130 |
| 80 | CA$323 | CA$313 | CA$10 | CA$10,817 |
| 81 | CA$323 | CA$313 | CA$10 | CA$10,503 |
| 82 | CA$323 | CA$314 | CA$10 | CA$10,190 |
| 83 | CA$323 | CA$314 | CA$10 | CA$9,876 |
| 84 | CA$323 | CA$314 | CA$9 | CA$9,562 |
| 85 | CA$323 | CA$314 | CA$9 | CA$9,247 |
| 86 | CA$323 | CA$315 | CA$9 | CA$8,933 |
| 87 | CA$323 | CA$315 | CA$8 | CA$8,618 |
| 88 | CA$323 | CA$315 | CA$8 | CA$8,302 |
| 89 | CA$323 | CA$316 | CA$8 | CA$7,987 |
| 90 | CA$323 | CA$316 | CA$8 | CA$7,671 |
| 91 | CA$323 | CA$316 | CA$7 | CA$7,355 |
| 92 | CA$323 | CA$316 | CA$7 | CA$7,038 |
| 93 | CA$323 | CA$317 | CA$7 | CA$6,721 |
| 94 | CA$323 | CA$317 | CA$6 | CA$6,404 |
| 95 | CA$323 | CA$317 | CA$6 | CA$6,087 |
| 96 | CA$323 | CA$318 | CA$6 | CA$5,769 |
| 97 | CA$323 | CA$318 | CA$5 | CA$5,451 |
| 98 | CA$323 | CA$318 | CA$5 | CA$5,133 |
| 99 | CA$323 | CA$319 | CA$5 | CA$4,814 |
| 100 | CA$323 | CA$319 | CA$5 | CA$4,496 |
| 101 | CA$323 | CA$319 | CA$4 | CA$4,176 |
| 102 | CA$323 | CA$319 | CA$4 | CA$3,857 |
| 103 | CA$323 | CA$320 | CA$4 | CA$3,537 |
| 104 | CA$323 | CA$320 | CA$3 | CA$3,217 |
| 105 | CA$323 | CA$320 | CA$3 | CA$2,897 |
| 106 | CA$323 | CA$321 | CA$3 | CA$2,576 |
| 107 | CA$323 | CA$321 | CA$2 | CA$2,255 |
| 108 | CA$323 | CA$321 | CA$2 | CA$1,934 |
| 109 | CA$323 | CA$322 | CA$2 | CA$1,612 |
| 110 | CA$323 | CA$322 | CA$2 | CA$1,291 |
| 111 | CA$323 | CA$322 | CA$1 | CA$968 |
| 112 | CA$323 | CA$322 | CA$1 | CA$646 |
| 113 | CA$323 | CA$323 | CA$1 | CA$323 |
| 114 | CA$323 | CA$323 | CA$0 | CA$0 |
For illustration only. Federal Canada Student Loans have 0% interest as of April 2021. Provincial rates vary by province. RAP eligibility and amounts are determined by the NSLSC; this calculator is not an official RAP determination.
About this calculator
This calculator is for Canadian borrowers with federal and provincial student loans who want to see their combined repayment. Federal Canada Student Loans have had 0% interest since April 2021; provincial portions (e.g. Ontario OSAP) may carry a low rate. You enter each balance and rate, choose a repayment term, and get a single combined payment and full schedule.
Use it when you are in or nearing repayment and want to plan monthly payments or see total interest. The optional RAP-style estimate uses simplified income thresholds and 10% of income above threshold to illustrate what an affordable payment might look like—it is not a formal RAP determination. For official RAP eligibility and application, use the National Student Loans Service Centre (NSLSC) and the government’s Repayment Assistance Estimator.
How repayment works
Federal and provincial portions are calculated separately using the standard amortization formula, then combined. The Repayment Assistance Plan (RAP) can reduce or pause payments if your income is low; the affordable payment is generally the lesser of your standard payment or 10% of household income above a threshold. See Repayment Assistance Estimator and RAP application for official tools.
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