HELP / HECS Repayment Calculator Australia
Estimate your compulsory HELP/HECS student loan repayments using the latest thresholds and rates. See your annual and pay-period amounts, plus projections.
To see your take‑home after tax, use our Australian tax calculator.
Enter your repayment income to see your compulsory HELP/HECS repayment for 2025-26. We also show weekly, fortnightly and monthly equivalents.
Compulsory repayment for 2025-26
Repayment income is your taxable income plus certain add-backs (e.g. reportable fringe benefits and salary sacrifice).
Repayment rate
4.0%
Annual repayment
$3,200
Monthly
$266.67
Fortnightly
$123.08
Weekly
$61.54
Student Loan Repayment Calculator
Use this tool to calculate how long it will take to repay your HELP/HECS loan.
Loan Repayment Details
Estimated Monthly Repayment
$0
Student Loan Projection
Calculate the final repayment date of your debt. Adjust the average debt indexation rate and your annual wage increase to improve the projection.
Estimated Repayment Date
N/A
Future Income
$0
Estimated income in the year N/A
Time to Repay
...
Repayment income (RI) is taxable income plus any total net investment loss (which includes net rental losses), reportable fringe benefits amounts, reportable super contributions and exempt foreign employment income. The debt indexation rate and wage growth figures are estimates and will affect the repayment projection.
HELP, TSL & SSL Repayments
Understand how compulsory repayments for Australian student loans like HECS-HELP are calculated. Your repayment rate is based on your income and is adjusted annually.
| Repayment Income (2025 - 2026) | Repayment Rate |
|---|---|
| Below $54,368 | Nil |
| $54,368 - $61,088 | 1.0% |
| $61,089 - $64,650 | 2.0% |
| $64,651 - $68,412 | 2.5% |
| $68,413 - $72,384 | 3.0% |
| $72,385 - $76,577 | 3.5% |
| $76,578 - $81,004 | 4.0% |
| $81,005 - $85,678 | 4.5% |
| $85,679 - $90,612 | 5.0% |
| $90,613 - $95,820 | 5.5% |
| $95,821 - $101,316 | 6.0% |
| $101,317 - $107,115 | 6.5% |
| $107,116 - $113,232 | 7.0% |
| $113,233 - $119,685 | 7.5% |
| $119,686 - $126,489 | 8.0% |
| $126,490 - $133,663 | 8.5% |
| $133,664 - $141,226 | 9.0% |
| $141,227 - $149,197 | 9.5% |
| Over $149,197 | 10.0% |