HECS-HELP repayment calculator
Your compulsory study loan repayment for 2026–27 or 2025–26.
For 2026–27, compulsory repayments of HECS-HELP (the government loan for university fees) start above a repayment income of $69,528. On $90,000 the repayment is $3,071 for the year. Enter your own repayment income below.
Compulsory repayment for the year
$3,071
$118 per fortnight on average
- Repayment threshold
- $69,528
- Share of repayment income
- 3.4%
- Until the next band
- $39,717
- 2026–27
- 2025–26
Show the numbers as a table
| Repayment income | 2026–27 | 2025–26 |
|---|---|---|
| $0 | $0 | $0 |
| $20,000 | $0 | $0 |
| $40,000 | $0 | $0 |
| $60,000 | $0 | $0 |
| $80,000 | $1,571 | $1,950 |
| $100,000 | $4,571 | $4,950 |
| $120,000 | $7,571 | $7,950 |
| $140,000 | $10,776 | $11,250 |
| $160,000 | $14,176 | $14,650 |
| $180,000 | $17,576 | $18,000 |
| $200,000 | $20,000 | $20,000 |
| $220,000 | $22,000 | $22,000 |
Repayment bands
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,050 | $9,028 plus 17c for each $1 over $129,717 |
| $186,051 – and over | 10% of total repayment income |
Good to know
- Repayment income is taxable income plus items such as reportable fringe benefits, reportable super contributions (including salary sacrifice), net investment losses and exempt foreign employment income.
- In the top band the repayment is a percentage of your whole repayment income, not only the part above the threshold.
- Employers withhold amounts during the year; the final repayment is worked out when your tax return is assessed.
Sources
Figures last checked against official sources: . General information, not financial or tax advice.
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Terms on this page
- ATO · Australian Taxation Office
- The Australian Government agency that runs the tax and super systems.
- AUD · Australian dollars
- All amounts on this site are in Australian dollars unless stated.
- HECS-HELP · Higher Education Contribution Scheme – Higher Education Loan Program
- The government loan for university fees. Repayments are taken through the tax system once income passes a threshold.