HECS HELP Repayment Calculator Australia
Use Oz Pay Check to estimate possible HECS, HELP or study loan repayments alongside Australian income tax, Medicare levy and take-home pay.
The HECS and HELP repayment calculator estimates compulsory study and training loan repayments using income and tax-year settings. The repayment amount can affect your annual tax result and take-home pay estimate.
What the HECS / HELP calculator estimates
- •Possible compulsory study loan repayment
- •Repayment based on selected tax year and repayment income settings
- •Effect on annual tax result
- •Effect on weekly, fortnightly, monthly and annual take-home pay
- •Interaction with salary, taxable income and other income settings
- •Study loan settings for common Australian pay scenarios
What affects HECS / HELP repayments
- •Repayment income
- •Tax year selected
- •Salary, other income and reportable fringe benefits
- •Investment income and business income settings
- •Salary sacrifice and deductions
- •Overseas obligations may differ from simple domestic estimates
Useful HECS / HELP values
2025-26 threshold
From the 2025-26 income year, compulsory repayments start when repayment income exceeds $67,000.
Marginal method
From 2025-26, compulsory repayments are calculated using marginal rates rather than applying one flat percentage to the full repayment income.
ATO final amount
The ATO works out the exact compulsory repayment after you lodge your income tax return.
Employer withholding
If you have a study loan, you generally need to tell your employer so withholding can include study loan amounts.
Example uses
Salary with HECS
Enter your salary and turn on student loan settings to estimate possible HECS or HELP repayment.
Take-home pay impact
Compare take-home pay with and without the study loan setting switched on.
Frequently asked questions
When do repayments start in 2025-26?
Compulsory repayments start when repayment income exceeds $67,000.
Does the ATO calculate the final amount?
Yes. The ATO works out the exact compulsory repayment after lodgment.
Does this estimate overseas repayments?
This page is mainly for domestic pay estimates. Overseas obligations can be different.
Is this official ATO advice?
No. Oz Pay Check is independent and provides estimates only.
Independent estimate disclaimer
Oz Pay Check is an independent, privately operated calculator website. Results are estimates only and do not constitute financial, tax, legal, Centrelink, Services Australia, ATO or government advice. Oz Pay Check is not affiliated with, endorsed by, authorised by, sponsored by, or connected to the Australian Taxation Office, Services Australia, Centrelink, myGov or any Australian Government agency. Always confirm important decisions with official government websites or a qualified professional.