HECS-HELP Repayment Calculator
Estimate your compulsory HELP repayment for a year and how long the debt may take to clear.
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How to do it
- 1Fill in the boxes
Type your numbers or pick the options you need.
- 2See the result
The answer updates right away as you change a value.
- 3Use it
Copy the result or note it down. Nothing is sent anywhere.
About this tool
Enter your repayment income and your HELP debt. The tool applies the 2025-26 marginal repayment rates: nothing up to $67,000, 15 cents per dollar from $67,000 to $125,000, then $8,700 plus 17 cents above $125,000, and 10 percent of the whole income above $179,285. Indexation is not included. Rates and rules change each year, so use the result as a guide and check the official source.
Frequently asked questions
Is HELP debt indexed?
Yes, each 1 June. The estimate ignores indexation, so a real payoff may take longer.
What income is used?
Repayment income includes taxable income, reportable fringe benefits and some other items.