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HELP and HECS repayment thresholds and rates for 2024-25, 2025-26 and beyond
Calculate your student loan repayment rate based on your repayment income. Thresholds and rates match ATO guidance for compulsory HELP/HECS repayments.
Official sources: ATO – Study and training loan repayment thresholds and rates · ATO – Compulsory repayments
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.
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.)
Rates checked against the ATO — verified 18 August 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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