HECS-HELP compulsory repayment calculator
From 2025-26 compulsory repayments only apply to income above the threshold (a marginal system).
Talk to a mortgage broker — free
Find out what you can really borrow and which lenders accept a 5% deposit.
Get matched with a broker (coming soon) Optional: personalised PDF report – coming soon. Placeholder signup, no data is collected.How it works
2026-27 thresholds
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c per $1 over $69,528 |
| $129,718 – $186,050 | $9,028 + 17c per $1 over $129,717 |
| $186,051+ | 10% of total repayment income |
2025-26: nil to $67,000; 15c over $67,000 to $125,000; $8,700 + 17c over $125,000 to $179,285; 10% of total income above.
ATO example: repayment income $86,380 in 2026-27 → $2,527.80 (matches this calculator).
Repayment income = taxable income + reportable fringe benefits + net investment losses + reportable super contributions + exempt foreign employment income.
Frequently asked questions
What is the HECS repayment threshold for 2026-27?
Does HECS affect my home loan?
Sources & rates
Rates checked 25 October 2026.
General information only — not financial, tax or legal advice. Results are estimates based on published government rates and simplified assumptions, and do not consider your personal circumstances. Always confirm with the State Revenue Office, the ATO, your lender, a licensed mortgage broker or a qualified adviser before making decisions.