Discretionary Income Calculator
FinanceEstimate your discretionary income for federal student loan repayment plans, based on your income, household size, and the federal poverty guideline.
Discretionary Income
Your income above 150% of the federal poverty guideline for your household size and region -- the base used by federal income-driven student loan repayment plans.
150% of Federal Poverty Guideline
$31,725.00
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Frequently Asked Questions
How is discretionary income calculated?
Discretionary Income = Annual Adjusted Gross Income minus 150% of the federal poverty guideline for your household size and region. This is the specific definition used by federal income-driven student loan repayment plans (IDR/IBR/PAYE), not a generic 'income after expenses' figure.
Why does region only offer three options instead of all 50 states?
Federal poverty guidelines are identical across all 48 contiguous states and D.C. -- only Alaska and Hawaii use separately published, higher guideline tables.
How often do poverty guidelines change?
The U.S. Department of Health and Human Services updates federal poverty guidelines every January. This calculator uses a recent year's published figures for estimation only -- always confirm current guidelines with your loan servicer or healthcare.gov before making financial decisions.
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