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Calculate the income-based HELP/HECS amount before the debt-balance cap, using your repayment income and ATO thresholds.
Enter your repayment income to see the income-based amount before the repayable-debt cap
Your repayment income includes taxable income, reportable fringe benefits, net investment losses and reportable super contributions
Income-based formula amount is nil
The repayment income entered, $60,000, is below the minimum threshold of $69,528 for 2026-27, so this calculator’s income formula is nil. This result does not assess the separate overseas-debtor levy.
HELP/HECS repayment rates for 2026-27
Minimum Repayment Threshold
$69,528
No repayments required if your repayment income is below this amount
Marginal Rate System
Repayment Income includes your taxable income, reportable fringe benefits, net investment losses and reportable super contributions.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
The minimum repayment-income threshold marks where an income-based HELP amount may be calculated for a person with a repayable debt.
For 2026–27, the minimum threshold is $69,528. The lower formula bands apply marginal rates to income above their thresholds. In the top formula band, the amount is 10.0% of total repayment income, not a marginal rate on only the income above that band's threshold.
HESA section 154-20(1) limits the amount to the least of the income formula, 10.0% of repayment income and repayable debt.
An income-based formula amount may be worked out when repayment income exceeds the minimum threshold ($69,528 for 2026–27). The ATO assesses any domestic compulsory liability when you lodge, subject to statutory limits and the Medicare-levy exception. A separate overseas-debtor levy may apply to some foreign residents; this calculator does not assess it.
It's your taxable income (disregarding any assessable First Home Super Saver released amount) plus reportable fringe benefits, reportable super contributions, net investment losses and exempt foreign employment income. It is used to calculate the income formula; the final amount is also limited by repayable debt.
No. The government removed the voluntary repayment discount from 1 January 2017. Amounts paid reduce repayable debt, which is one of the statutory limits on a compulsory repayment.
No. The domestic amount has a Medicare-levy exception under HESA section 154-1(2). A separate levy may apply to some foreign residents with HELP debt based on assessed worldwide income, including foreign-sourced income. This calculator does not assess either rule.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
What can move this result
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.