HECS-HELP repayment calculator
This calculator estimates your compulsory HECS/HELP repayment for 2026-27 and shows 2025-26 and 2024-25 side by side, so you can see how the change to a marginal system affects you. Enter your income and it applies each year's thresholds and rates. On $85,000, for example, the repayment was $3,825 under the 2024-25 flat system, $2,700 in 2025-26 and $2,321 in 2026-27. It works out repayments only. Your take-home pay is estimated on the pay pages. Figures are estimates based on ATO datasets, not advice.
HECS/HELP repayment calculator
| Year | System | Repayment on this income |
|---|---|---|
| 2024–25 | Flat % of total income | $3,825 |
| 2025–26 | Marginal (on income above threshold) | $2,700 |
| 2026–27 | Marginal (on income above threshold) | $2,321 |
Repayment income = taxable income plus reportable fringe benefits, reportable super contributions, net investment losses and exempt foreign income. For a plain salary it equals your salary. Estimates from dated ATO datasets, not advice.
Repayments at a glance, three systems side by side
| Repayment income | 2024–25 (flat) | 2025–26 (marginal) | 2026–27 (marginal) |
|---|---|---|---|
| $60,000 | $600 | $0 | $0 |
| $85,000 | $3,825 | $2,700 | $2,321 |
| $100,000 | $5,500 | $4,950 | $4,571 |
| $125,000 | $9,375 | $8,700 | $8,321 |
| $150,000 | $13,500 | $12,950 | $12,476 |
Full thresholds on the 2026–27 reference page. To see a repayment inside a full take-home breakdown, toggle HECS/HELP on any salary page, e.g. $85,000.
Frequently asked
- Why compare three years?
- The repayment method changed. 2024-25 used a flat percentage of total income. 2025-26 kept a threshold of $67,000. 2026-27 uses a marginal scale from $69,528. Comparing all three shows the direction for your income.
- Does the 20% balance cut change my repayment here?
- No. The one-off 20% reduction around 1 June 2025 lowered HELP balances, not the yearly compulsory repayment. This calculator works out the repayment from your income, so the balance cut does not change the figures shown.
- Which income does it use?
- It uses repayment income: taxable income plus reportable fringe benefits, reportable super contributions, net investment losses and exempt foreign income. For a plain salary, that equals your salary, so entering your salary is enough.