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Student Loan / OSAP Repayment Calculator

See your federal + Ontario student loan monthly payment and total cost, split by portion.

Your details

Instant result — 2026 defaults filled, edit anything. All fields are prefilled with the 2026 Canada defaults and the result shows instantly. Change any field and it recalculates instantly. Reset restores the 2026 defaults.

Prefilled with the 2026 default — edit if you want, e.g. 20000.
Default: 0% — you can change it.
Prefilled with the 2026 default — edit if you want, e.g. 10000.
Default: 6% — you can change it.
Prefilled with the 2026 default — edit if you want, e.g. 10.

Your results

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The Ontario rate shown is a prime + 1% estimate (prime moves); other provinces charge their own provincial rate.

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Prefilled with the 2026 default — edit if you want, e.g. 0.

About Student Loan / OSAP Repayment Calculator

See your federal + Ontario student loan monthly payment and total cost, split by portion. The result appears instantly with the 2026 defaults filled in — edit anything you want.

FAQs

What does this calculator do?

See your federal + Ontario student loan monthly payment and total cost, split by portion.

How do I use it?

The result appears instantly with the 2026 defaults filled in — edit any field and it updates instantly, with no signup.

Is the result official?

No. This is a calculator estimate based on the 2026 rules shown on this page, not an official CRA / Service Canada determination. Check official rules for your case.

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