HELP HECS repayment calculator
Estimate the compulsory HELP/HECS repayment using the 2026–27 marginal study-and-training loan rates.
What the result means
Compulsory HELP, HECS and other study-and-training loan repayments are assessed on repayment income. From 2025–26 they use marginal rates: you pay a percentage only of income above each threshold, not one rate on every dollar — until the top band, which is 10% of total repayment income.
How it is calculated
≤ $69,528: $0. Then 15% × (income − $69,528) to $129,717. Then $9,028.35 + 17% × excess to $186,050. From $186,051: 10% × total income
- Repayment income: Taxable income plus the ATO add-backs listed on the study-and-training loans page.
The $9,028.35 base is 15% of the $60,189 between $69,528 and $129,717.
Assumptions
- Estimates only — not tax, legal, credit or financial advice. Check the official source or your contract before relying on a figure.
- Assumes the remaining loan balance is at least the compulsory amount.
Worked example
$95,000 repayment income in 2026–27
A resident with a HELP debt and $95,000 repayment income.
- Excess over $69,528
- $25,472
- Repayment
- 15% × $25,472 = $3,820.80
The compulsory repayment is $3,820.80 for the year.
2026–27 thresholds
No repayment at or below $69,528. Then 15 cents for each dollar over $69,528 up to $129,717. From $129,718 to $186,050 the repayment is $9,028.35 plus 17 cents for each dollar over $129,717. From $186,051 it is 10% of total repayment income.
Questions
Is this taken from each payslip?
Employers can withhold an STSL amount using Schedule 8. This page is the year-end compulsory assessment from the ATO study-and-training-support-loans rates.
Related calculators
- SalaryEstimate weekly, fortnightly, monthly and annual take-home pay from an Australian resident salary, using ATO PAYG withholding for each pay and year-end tax for the annual figure.
- Income taxEstimate income tax, LITO, Medicare and optional HELP from taxable income for 2026–27, including foreign resident rates.
- PAYGEstimate Scale 1 or Scale 2 PAYG withheld from a resident salary in 2026–27, depending on whether the tax-free threshold is claimed.
Sources
Australian Taxation Office
Study and training loan repayment thresholds and rates
2026–27 income year · Last reviewed 2026-08-24
Money · Last reviewed 2026-08-24
Estimates only. Not tax, legal or financial advice. Check official sources before relying on a figure.
Spotted a mistake? Contact us.
Printed from OzCalc (ozcalc.com). Last reviewed 2026-08-24. Estimates only — not tax, legal or financial advice.