HELP/HECS Study Loan Repayment 2027 Australia Calculator
HELP/HECS-HELP repayment thresholds 2026-27 projected: $54K start (1%), $69K (2.5%), $79K (3.5%)... up to $151K+ (10%). Indexation rate June 2026: 4.7% (or lower of CPI/WPI per 2023 reforms). Voluntary repayments save indexation in subsequent years.
HELP Repayment Thresholds
Repayment starts at $54,435 (2025-26 figures). 18 income bands from 1% to 10%. Top rate 10% applies $168K+.
Indexation Reform 2023
Indexation now lower of CPI or WPI (Wage Price Index). Reform retroactive — applied to 2023 + 2024 indexation. Cut some debts by hundreds.
Voluntary Repayment Timing
Pay BEFORE June 1 to avoid that year's indexation. Pay AFTER June 1 means you've already been indexed. ATO Bonus 10% removed in 2017.
Source and Disclaimer
ato.gov.au HELP. Thresholds indexed annually. 2027 figures projection — confirm Oct 2026.
Source: ato.gov.au HELP. Last updated: May 2026.