2026-27 HECS/HELP Thresholds Calculator Guide
Understand how HECS/HELP and other study loans can affect Australian take-home pay estimates.
What study loan settings affect
- •Estimated compulsory study loan repayment
- •Annual take-home pay
- •Fortnightly and weekly net pay
- •Pay rise, overtime and second job comparisons
Available loan settings
- •HELP and HECS-HELP
- •FEE-HELP, SA-HELP and OS-HELP
- •VSL, SSL, TSL and SFSS-style loan selections where shown
- •Combined repayment estimate rather than duplicated repayments
Frequently asked questions
Does HECS/HELP reduce take-home pay?
It can once your repayment income is above the compulsory repayment threshold.
Can I choose the loan type?
Yes. The calculator can show HECS/HELP and other study loan selections.
Are repayments duplicated if I select more than one?
No. The calculator is designed to show one combined study loan repayment estimate.
Is the final amount decided by Oz Pay Check?
No. Final assessment depends on the ATO.
Related calculators and guides
Keep comparing with nearby calculators, salary pages and guide pages.
Built for Australian estimates
Oz Pay Check is independent and privately operated. Results are estimates only and do not replace official ATO, Services Australia, Fair Work, payroll, legal or financial advice.
Independent information disclaimer
Oz Pay Check is independent and is not affiliated with the ATO, Services Australia, Centrelink, myGov or Fair Work. Information and calculators are estimates only.