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Calculate your compulsory HELP/HECS repayment rate from your repayment income, matched to ATO thresholds.
Enter your repayment income to see your HELP/HECS repayment rate
Your repayment income includes taxable income, reportable fringe benefits, net investment losses and reportable super contributions
No Repayment Required
Your repayment income of $60,000 is below the minimum threshold of $69,528.
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 HELP repayment threshold is the minimum income at which you must start repaying your study loan through the tax system. Below this threshold, no compulsory repayments are required.
For 2026–27, the minimum threshold is $69,528. Under the marginal system (2025-26 onwards), you repay 15c for every dollar earned above $69,528 (up to $129,717), with higher rates beyond that; repayments apply only to income above the threshold, not your entire income. (In 2024-25 and earlier, the rate applied to your whole repayment income from a $54,435 threshold.)
When your repayment income exceeds the minimum threshold ($69,528 for 2026–27). The ATO calculates your compulsory repayment when you lodge your tax return.
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 determines your repayment rate.
No. The government removed the voluntary repayment discount from 1 January 2017. You can still make voluntary payments to reduce your debt faster.
Rates checked against the ATO, verified 8 September 2026
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2026–27 financial year.
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.
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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.