HECS/HELP repayment calculator
Your compulsory study loan repayment for 2026–27, worked out from your repayment income.
How to use it
- Enter your repayment income for the year.
- Optionally enter your loan balance to see how long it may take to repay.
- Print or save the result if you need it.
Uses the official rules for 2026–27: ATO: study and training loan repayment thresholds and rates.
Questions
What is repayment income?
Your taxable income plus some other amounts, such as reportable fringe benefits, reportable super contributions and net investment losses. The ATO lists them. For most employees it is close to their taxable income.
Is this financial or tax advice?
No. It works out estimates from the figures you enter and the published rules shown on the page. It doesn’t consider your circumstances. For a decision, consider talking to a registered tax agent or a licensed financial adviser.
Is what I enter saved or sent anywhere?
No. Everything is worked out in your browser and nothing you type is sent to us or anyone else.
