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HECS/HELP Repayment Calculator (2025-26, AU)

Calculate your 2025-26 HECS-HELP student loan repayment based on your income. See exact repayment amounts at each income threshold. Free HECS calculator.

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How it works

Repayments are compulsory once your income exceeds ~$54,435 (2024-25). The rate (1–10% of total income) increases with income. Your employer withholds each pay. Debt is indexed annually by CPI (capped at lower of CPI or Wage Price Index).

This calculator provides estimates only and does not constitute financial advice. Verify results with a qualified professional.