Free HECS Calculator: HELP Repayments (2026-27)
This HECS calculator shows your compulsory HELP repayment for the year, the amount withheld each pay, and an estimate of how long until the debt is gone.
HECS calculator: repayments by income (2026-27)
| Repayment income | Per year | Per fortnight |
|---|---|---|
| $65,000 | $0.00 | $0.00 |
| $70,000 | $70.80 | $2.72 |
| $80,000 | $1,570.80 | $60.42 |
| $90,000 | $3,070.80 | $118.11 |
| $100,000 | $4,570.80 | $175.80 |
| $130,000 | $9,076.11 | $349.08 |
| $160,000 | $14,176.11 | $545.24 |
| $190,000 | $19,000.00 | $730.77 |
What counts as repayment income
Repayment income is your taxable income plus reportable fringe benefits, net investment losses, reportable super contributions (such as salary sacrifice) and exempt foreign employment income. That is why salary sacrifice does not lower your HECS repayment.
Frequently asked questions
How does the HECS calculator work out my repayment?
It applies the ATO's 2026-27 marginal repayment system to your repayment income: nothing up to $69,528, 15c for each dollar over that to $129,717, then $9,028 plus 17c per dollar to $186,050, and 10% of your whole repayment income above that.
Is HECS the same as HELP?
Yes. HECS-HELP is one of the Higher Education Loan Program (HELP) loans. Repayments for HELP, VET Student Loans, Australian Apprenticeship Support Loans and other study loans all use the same thresholds.
Can I pay off my HECS debt faster?
Yes, you can make voluntary repayments to the ATO at any time. Compulsory repayments are worked out when you lodge your tax return, from the amount withheld through the year.
What is the HECS repayment threshold?
$69,528 of repayment income in 2026-27. Below that you make no compulsory repayment. Above it, you repay a percentage of the income over the threshold, not of your whole income, until the top band.