Estimate your compulsory HELP repayment
From 1 July 2025, HELP repayments are marginal — charged only on repayment income above $67,000. Enter your repayment income and loan balance to see the annual repayment, per-fortnight withholding, and indexation-adjusted year-end balance.
Interactive HECS-HELP repayment estimator
Estimate your 2025–26 compulsory repayment under the new marginal system, June indexation on your balance, and how a voluntary repayment changes the year-end figure.
Taxable income + reportable fringe benefits + reportable super contributions (incl. salary sacrifice) + net investment losses + exempt foreign employment income.
Applied 1 June — the lower of CPI or WPI.
$2,700 / yr
≈ $104 per fortnight withheld ($225/mo) — 15c per $1 over $67,000 on $18,000 of income above the threshold.
+$896
Your $28,000 debt is indexed to $28,896 at 3.2%. Indexation is applied before the year's repayments credit.
$26,196
$28,896 indexed − $2,700 compulsory.
2025–26 ATO marginal schedule. Estimate only — actual repayment is assessed on lodgement.
2025–26 marginal repayment schedule (15c / 17c / 10% tiers)
Per-fortnight withholding estimate for pay-cycle budgeting
1 June indexation projection on your current balance
How the 2025–26 marginal repayment system works
Compulsory repayments are now calculated only on the slice of repayment income above $67,000 — not on your total income. You pay 15 cents per dollar between $67,001 and $125,000, $8,700 plus 17 cents per dollar between $125,001 and $179,285, and 10% of total repayment income at $179,286 and above. Most holders will see smaller compulsory repayments than under the old percentage-of-total-income table.
Repayment income is wider than taxable income
Repayment income adds back reportable employer super contributions (including salary sacrifice), total reportable fringe benefits, net investment losses, and exempt foreign employment income to your taxable income. If you salary sacrifice into super or package a car, enter the add-back-inclusive figure or the estimate will understate your compulsory repayment.
Indexation lands before repayments credit
On 1 June each year your outstanding balance is indexed by the lower of CPI or WPI, and that uplift applies before the year's repayments are credited. Making a voluntary repayment before 1 June reduces the base that indexation is applied to — which is why timing a lump sum just before indexation day saves slightly more than paying after it.
Frequently asked questions
- What counts as repayment income?
- Taxable income (excluding assessable FHSS released amounts) plus reportable fringe benefits, reportable super contributions, total net investment losses, and exempt foreign employment income.
- Do I pay anything if my repayment income is under $67,000?
- No. For 2025–26 the minimum repayment threshold is $67,000, indexed annually in line with average weekly earnings.
- Does salary sacrificing into super reduce my HELP repayment?
- No. Reportable super contributions are added back into repayment income, so concessional salary sacrifice does not lower the compulsory repayment — though it still reduces income tax.
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