Put a RAP-correct student loan calculator on your website, free on every plan
Your prospects are already doing student loan math. They are just doing it on somebody else’s website, on a calculator that has not been updated since the rules changed, and the person who answers the question is usually the one who gets the next conversation.
Right now that is a bigger problem than it sounds, because most of the calculators on the internet are quietly wrong.
What broke on July 1
The federal repayment menu was rewritten, and a calculator built before that date is not slightly out of date. It is offering plans that no longer exist and hiding the one most borrowers will land on.
- SAVE was vacated on March 10, 2026. Any tool still showing it is quoting a plan that is gone.
- RAP became the default on July 1, 2026. A calculator that does not model it cannot tell a borrower what they are actually on.
- PAYE closed to new enrollment on June 30, 2026, and ICR is now open only to a narrow set of Grad PLUS and consolidation borrowers.
- Parent PLUS loans, unconsolidated, have exactly one repayment plan available. A tool that shows a parent an income-driven menu is giving them a choice they do not have.
A visitor who runs a bad number on a generic calculator does not know it is bad. They just leave with a figure in their head, and it is the wrong one.
You can put the right answer on your own site, free
The Finology Software embeddable calculators are free on every plan, including trials. No Pro requirement, no separate contract, one line of code.
It is the same verified engine that runs inside your planner, so the number your website shows a stranger is the number you would defend in a client meeting.
It knows what each borrower is actually eligible for
This is the part that separates it from a generic repayment calculator, and it is worth understanding before you put anything on your site.
Eligibility in the federal system is not one list. It depends on the loan type. The calculator applies that matrix rather than showing every plan to everybody:
| Loan type | Open to new enrollment | Closed |
|---|---|---|
| Direct Subsidized / Unsubsidized | Standard, RAP, IBR | PAYE, ICR |
| Grad PLUS (legacy) | Standard, RAP, IBR, ICR | PAYE |
| Parent PLUS | Standard only | RAP, IBR, PAYE, ICR |
| Direct Consolidation | Standard, RAP, IBR, ICR | PAYE |
| Consolidation including Parent PLUS | Standard and ICR only | RAP, IBR, PAYE |
Most calculators get the bottom two rows wrong, and those are the rows where being wrong is most expensive. A parent told they can enroll in an income-driven plan will find out they cannot, and by then they have usually made an irreversible consolidation decision to try.
The output also carries the parts borrowers never think to ask about: the forgiveness timeline, and the tax owed on a balance forgiven outside PSLF.
Why it stays right after you paste it
The calculator is served from our systems rather than copied into your page. When the federal rules move, the tool on your website updates itself. You never re-paste code, and you never have to wonder whether the thing sitting on your site went stale six months ago.
That is the whole argument. Anyone can put a calculator on a website. The hard part is that federal repayment rules now change faster than marketing pages get maintained, and a wrong number on your own site is worse than no number at all.
How to add it
- In Finology Software, open Settings, then Website Calculators.
- Pick the calculator: the loan comparison, or the SAI estimator for college planning conversations.
- Match your brand color.
- Click Copy code and paste it wherever HTML is allowed. WordPress, Squarespace, Wix and Webflow all work.
Visitor inputs never reach your Finology Software account, so a stranger running numbers on your site does not create a client record you have to manage or a privacy question you have to answer.
Still deciding which platform to run this on? Our advisor’s buying guide to student loan repayment software covers what to evaluate and how to test a vendor’s accuracy claims.
What connecting it to your account adds
The calculator is free and stays free, on every plan and during a trial. Connecting it to a Finology Software account adds attribution, so you can see which visits and runs came from your site, and lets a visitor who wants help move into an actual conversation with you.
The reason to bother
Every borrower who lands on your site with a loan question is already going to get an answer from somewhere. Today that answer usually comes from a page that has not been updated since before the rules changed, and it costs you nothing to be the place where it is right instead.
New to the July 2026 rules yourself? Start with RAP or IBR? The Decision Framework, then the 90-day playbook for clients still on SAVE.
Get your calculator code at finology.tech. Already have an account? Log in and check Settings.
Plan eligibility current as of August 2026.
Run a client-ready repayment plan in minutes
Every number sourced, every path compared. Model RAP, the new Standard, IBR, PAYE, ICR and PSLF side by side.
