HELP/HECS Repayment Calculator
Calculate how long it will take to repay your HELP/HECS loan
Project your repayment timeline with indexation and wage growth scenarios
Loan Details
Enter your current loan balance and repayment income
$
$
Repayment income includes taxable income, reportable fringe benefits, net investment losses and reportable super contributions.
Repayment Timeline
Your HELP/HECS repayment projection
Current Balance$25,000
Repayment Income$60,000
Annual Repayment$600
Monthly Repayment$50.00
Repayment Rate1.00%
Projection
Years to Repay21 years
Projected Final DateJune 2045
Total Indexation$20,124
Projection Settings
Adjust assumptions for your repayment projection
Typically around 2-4% per year, based on CPI
Your expected annual wage growth
Repayment Progress
Loan balance and annual repayments over time