---
title: "HECS-HELP repayment calculator 2026–27 | TaxCalcTool"
description: "Estimate compulsory HELP repayments for a salary-only Australian resident and understand repayment income, annual liability and payroll withholding."
canonical: "https://taxcalctool.com/australia/help-repayments/"
---

Canonical page: https://taxcalctool.com/australia/help-repayments/

> This is the readable version of the published page. Use the HTML page for interactive controls. Any displayed calculation is the page’s default example, not a personal estimate. The visible source status applies to this build; consult https://taxcalctool.com/source-health.json for the latest check.

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# HECS-HELP repayment calculator 2026–27

Estimate your compulsory annual HELP repayment from salary income. The study-loan option is already on. Enter your remaining repayable balance if you want to cap the estimate.

[Use the calculator](https://taxcalctool.com/australia/help-repayments/#calculator) [How it works](https://taxcalctool.com/australia/help-repayments/#explanation) [Worked example](https://taxcalctool.com/australia/help-repayments/#worked-example)

AUAustralia · Resident employee

All amounts in AUD

Annual salary before tax

$

Default example input: 85,000

Excludes employer superannuation.

Financial year1 July to 30 June

Checking official sources Annual estimate. Your payslip may differ.

[View official sources ↗](https://taxcalctool.com/sources/)

For single, full-year residents aged 18–66 with no dependants, salary only, and no itemised deductions. [Check your situation](https://taxcalctool.com/supported-scenarios/)

## Use the rules for the selected year

Study-loan repayment thresholds and formulas depend on the income year. The marginal repayment system introduced from 2025–26 changed how repayments are worked out. Earlier calculators can give a different answer because they use an older method.

Select a supported year before comparing results. The example on this page is generated from that year’s versioned rules.

[Australian take-home pay calculator 2026–27](https://taxcalctool.com/australia/take-home-pay/)

## Repayment income can exceed taxable income

The ATO repayment-income test adds certain amounts to taxable income, including reportable super contributions, reportable fringe benefits, net investment losses and exempt foreign employment income.

Here, repayment income equals the calculated taxable income because those additions are excluded. If you have any of them, the salary-only estimate is not a complete calculation for your circumstances.

## Check your remaining debt

An income-based estimate needs enough outstanding debt for that repayment to be due. If you are close to paying the loan off, check your ATO loan account and any balance limit offered by the calculator.

This tool does not project loan indexation, voluntary repayments or a future debt balance. Extra payroll withholding during the year is also separate from the compulsory repayment assessed at tax time.

## Common questions

## Read the official guidance

- [ATO: Study and training loan repayment thresholds and rates](https://www.ato.gov.au/tax-rates-and-codes/study-and-training-support-loans-rates-and-repayment-thresholds)
- [ATO: Study and training loans — what has changed](https://www.ato.gov.au/individuals-and-families/study-and-training-support-loans/study-and-training-loans-what-s-new)
- [ATO: Reportable employer super contributions](https://www.ato.gov.au/individuals-and-families/jobs-and-employment-types/working-as-an-employee/income-statements/incorrect-reportable-employer-super-contributions)
- [Income Tax Assessment Act: standard deduction, section 25-130](https://www.legislation.gov.au/C2004A05138/2026-07-01/2026-07-01/text/original/epub/OEBPS/document_1/document_1.html)

For exact rule sections and effective dates, see the [source register](https://taxcalctool.com/sources/) .

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