🎓 HECS HELP Repayment Calculator
Estimate your compulsory HELP repayment under the new 2025-26 marginal system. Enter your income and debt balance to see your annual repayment, fortnightly withholding and how long until you’re debt-free.
📝 Your Details
📊 Your Results
Annual Compulsory Repayment
$0
below threshold
Repayment Income$0
HELP Debt Balance$0
Fortnightly PAYG Withhold$0
Weekly Withhold$0
% of Income0%
Years to Pay Off—
Total Interest (Indexation)$0
ℹ️ Enter your income and debt to see your repayment bracket.
📅 Year-by-Year Payoff Schedule
| Year | Income | Opening Balance | Indexation | Repayment | Closing Balance |
|---|
⚠️ Disclaimer: Based on ATO 2025-26 marginal HELP repayment thresholds. Repayment income includes taxable income plus reportable fringe benefits, net investment losses, reportable super and exempt foreign income. Final repayment is calculated by the ATO when you lodge your tax return. This calculator is for illustrative purposes only and does not constitute financial advice.
Manage Your HELP Debt Smarter
Explore our calculators and finance guides to plan your repayments.