HECS/HELP Repayment Calculator
Estimate your compulsory HECS-HELP repayment for 2026–27 and see how an entered voluntary payment reduces the remaining study-debt balance.
Repayment income can be higher than your taxable income (it adds back things like reportable fringe benefits and reportable super).
Enter no more than the debt remaining after the compulsory repayment.
Your results
Calculation breakdown
- Compulsory repayment
- Applied to repayment income of $95,000.00 = $3,820.80, capped at debt = $3,820.80
- Remaining debt
- max($0, $25,000.00 − $3,820.80 − $0.00) = $21,179.20
Assumptions
- Indexation of the remaining debt balance is not modelled.
- Compulsory repayment is capped at your remaining debt balance.
- The 2026–27 repayment thresholds and rates are used.
- Voluntary repayments are assumed to be made in addition to the compulsory repayment.
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How this calculator works
The 2026–27 HELP system charges a marginal rate on repayment income above $69,528. This calculator applies those bands, caps the compulsory amount at your remaining balance and shows the monthly and fortnightly equivalents.
Uses 2026–27 settings. Last reviewed 30/09/2026; the applicable official references are listed below.
2026–27 HELP repayment threshold
For 2026–27, the minimum repayment-income threshold used by CalcAussie is $69,528. Below that amount, this calculator estimates no compulsory HELP repayment.
Above the threshold, the current system is marginal through the lower bands rather than applying one percentage to every dollar of income. The calculator applies the configured bands to estimate the annual compulsory repayment.
- No compulsory repayment below $69,528 repayment income
- Marginal repayment bands above the minimum threshold
- Annual estimate that can be compared with your expected take-home pay
Repayment income can differ from your salary
Your compulsory HELP repayment is based on repayment income as determined through the tax system, which can be different from the salary figure shown on a job offer. Use the calculator as a planning estimate and check your final position against your ATO information when lodging your return.
Repayment income can include taxable income plus reportable fringe benefits, reportable super contributions, total net investment losses and certain foreign income. Enter the complete repayment-income estimate rather than assuming taxable salary is always the same figure.
Related Australian guides
Official sources and assumptions
Check the official or authoritative references used to review this calculator's rates, formulas and assumptions.
Frequently asked questions
What is repayment income?
Repayment income is taxable income plus reportable fringe benefits, reportable super contributions, net investment losses and exempt foreign income — so it is often higher than taxable income.
Does this include indexation?
No. Indexation of the remaining HELP debt is not modelled by this calculator.
Do voluntary repayments reduce the compulsory amount?
They reduce your balance. The compulsory repayment is still based on your repayment income unless the balance is smaller than the calculated amount.
Content responsibility
Maintained by CalcAussie and last updated 30 September 2026. Checks applied: calculation method, worked examples, Australian terminology, material assumptions, official references where an external rule applies, and user-facing limitations.
Calculator results remain estimates based on the figures entered. Check material decisions against current official information and report a suspected error so it can be reproduced and corrected.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.