HELP Debt Repayment Calculator
Estimates your compulsory HELP (HECS) repayment for the year.
Your result
Estimate only. Results update as you type.
How this calculator works
From 2025–26 repayments apply only to income above $67,000: 15 cents per dollar up to $125,000, then $8,700 plus 17 cents per dollar above that.
Worth knowing
Repayment income includes reportable fringe benefits, net investment losses and reportable super contributions, so it can be higher than your taxable income.
Guides for this calculator
- Using a HELP Debt Repayment Calculator in Australia: A Step-by-Step Guide
- Common HELP Debt Repayment Mistakes (and a Better Way)
Questions
- Are these results exact?
- They are estimates based on standard resident rates. Your actual tax depends on your full circumstances, offsets and any private health insurance position. The ATO’s own tools or a registered tax agent give a definitive answer.
- Do the calculators work for non-residents?
- No. Non-residents have different rates, no tax-free threshold and no Medicare levy. These calculators assume you are an Australian resident for tax purposes.
- When do tax rates change?
- Rates usually change on 1 July, the start of the Australian financial year. Check the ATO website each July for the current figures.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.