Loading calculator…
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
HELP/HECS repayment rates for 2024-25
Minimum Repayment Threshold
$54,435
No repayments required if your repayment income is below this amount
| Repayment Income | Repayment Rate |
|---|---|
| $54,435 - $62,573 | 1.0% |
| $62,574 - $66,860 | 2.0% |
| $66,861 - $71,147 | 2.5% |
| $71,148 - $75,433 | 3.0% |
| $75,434 - $79,719 | 3.5% |
| $79,720 - $84,005 | 4.0% |
| $84,006 - $88,291 | 4.5% |
| $88,292 - $92,577 | 5.0% |
| $92,578 - $96,863 | 5.5% |
| $96,864 - $101,149 | 6.0% |
| $101,150 - $105,435 | 6.5% |
| $105,436 - $109,721 | 7.0% |
| $109,722 - $114,007 | 7.5% |
| $114,008 - $118,293 | 8.0% |
| $118,294 - $122,579 | 8.5% |
| $122,580 - $126,865 | 9.0% |
| $126,866+ | 10.0% |
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 2024-25, the minimum threshold is $54,435. Repayment rates range from 1% to 10% of your entire repayment income, depending on which threshold bracket you fall into.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
Rates and thresholds last updated for the 2024–25 financial year.