HECS Repayment 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
HELP, TSL & SSL Repayments (2025-26)
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 | 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% |
'Repayment income' is your taxable income plus any net investment loss (which includes net rental losses), reportable fringe benefits, reportable super contributions and exempt foreign employment income.
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
$266.67
Future Income
$98,340.43
Estimated income in the year 2032
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.
Time to Repay
6 years and 8 months
Estimated Repayment Date
December 2032
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.
HECS / HELP Debt – Frequently Asked Questions
Answers to specific questions about this tool.
More Tools to Understand Your Pay
HECS repayments are just one slice of your pay breakdown. These calculators help you see the complete picture.