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Tax Season
HECS-HELP Repayment Calculator
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See your HELP repayments instantly
Enter your salary and HELP debt on the left — rate, repayments and timeline appear here.
Common questions
Is HECS-HELP based only on taxable income?
No. Compulsory HELP repayments are based on repayment income, which can include taxable income plus reportable fringe benefits, investment losses and reportable super contributions.
Does the calculator include voluntary repayments?
The page focuses on compulsory repayments from FY2025-26 thresholds. Voluntary repayments can reduce your balance but do not replace compulsory repayments for the year.