Student Loan RAP Calculator

RAP payments, and the tax bill if your balance is forgiven — counted into the comparison, so a lower monthly payment never hides a bigger total.

Federal student loan repayment rules are changing. Starting July 1, 2026, the new Repayment Assistance Plan (RAP) under Public Law 119-21 changes payments for millions of borrowers. RAPlan shows what your monthly RAP payment may be in seconds — and helps you plan around it.

— FREE CALCULATOR — • Enter your AGI and dependents • See your estimated monthly RAP payment instantly • Annual cost and your income bracket, explained clearly • Compare RAP vs. the Standard 10-Year plan, with monthly savings and break-even income • See the tax on a forgiven balance counted into RAP's true total cost — so "lower monthly" never hides a bigger bill

— RAPLAN PRO (one-time purchase) — • Tax Bomb Estimator — the tax bill if your balance is forgiven after 30 years, with your own tax rate and income-growth assumption • Income Growth Simulator — project payments year by year as your income grows, and see when the loan is paid off • Plan comparison — RAP vs. Standard vs. IBR: monthly payments, forgiveness horizons and break-even income • Save up to 3 scenarios — current job, a raise, a family change • Annual recertification reminder so you never miss the deadline

— PRIVATE BY DESIGN — No account. No ads. No cross-app tracking. Your income, loan balance and dependents never leave your iPhone — every calculation runs on the device. The app sends only anonymous, aggregate counts of which screens lead to the Pro page, so we can improve it. You can switch that off under About.

Pro is unlocked with a one-time in-app purchase — no subscription and no automatic renewal.

— ACCURACY — RAPlan implements the RAP income brackets from P.L. 119-21 and is tested against the published legislative examples and two independent third-party RAP calculators. Loan terms, brackets, interest, and tax treatment can change. Always confirm your actual payment with your loan servicer at studentaid.gov.

— DISCLAIMER — RAPlan is a planning calculator. Results are estimates based on your inputs and do not replace financial advice, lender disclosures, or official loan documents. RAPlan is not affiliated with any government agency, lender, or loan servicer.

Questions? apps@nort.de Privacy Policy: https://raplan.nort.de/privacy.html