Australia · Study loans
HELP / HECS repayment calculator.
Estimate the compulsory annual repayment from your FY2026–27 repayment income.
The marginal schedule starts at $69,528. You pay on income above the threshold, not on the whole amount once you cross it.
Repayment income
Estimate
Enter repayment income to see the estimate.
FY2026–27 marginal schedule
$69,529–$129,717: 15 cents per dollar above $69,528. $129,718–$186,050: $9,028 plus 17 cents per dollar above $129,717, subject to the 10% cap. $186,051 and over: 10% of repayment income.
Estimate only
The ATO determines your actual repayment from your assessed repayment income and loan records.