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HELP / HECS Repayment Calculator 2026-27
Free HELP (HECS) repayment calculator for 2026-27: the new marginal system (15% above $69,528, 17% above $129,717, 10% of income from $186,051), your fortnightly withholding and how many years until your balance is gone.
Your study loan
Compulsory repayment in 2026-27
$2,321
| Per fortnight (withheld from pay) | $89 |
| As % of your income | 2.7% |
| Paid off in | about 9 years |
2026-27 repayment rates
| Up to $69,528 | Nothing |
| $69,529 – $129,717 | 15% of income above the threshold |
| $129,718 – $186,050 | $9,028.35 + 17% above $129,717 |
| Over $186,050 | 10% of all repayment income |
There's no interest, only yearly indexation. Voluntary repayments made before 1 June avoid that year's indexation on the amount paid.
Rules last checked October 2026. Estimate; the ATO works out the real amount at tax time. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: ATO: study loan repayment thresholds
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
When do I start repaying HELP in 2026-27?+
When your repayment income is over $69,528. You repay 15% of the income above that, not a % of your whole income.
How much is the HELP repayment on $80,000?+
About $1,571 for 2026-27: 15% of the $10,472 above the threshold.
Does HELP debt charge interest?+
No. It's indexed each 1 June by the lower of inflation (CPI) and wage growth.