HELP/HECS Study Loan Repayment 2027 Australia Calculator
HELP and other study loan compulsory repayments for 2026–27 use marginal rates: nothing up to $69,528 of repayment income, 15c for each $1 over $69,528, $9,028 plus 17c for each $1 over $129,717, and 10% of total repayment income from $186,051. The indexation rate applied on 1 June 2026 was 2.8%.
2026–27 Repayment Thresholds
From the 2025–26 income year compulsory repayments are calculated using marginal rates, so the repayment is worked out only on income above the minimum threshold. For 2026–27: $0 – $69,528 nil; $69,529 – $129,717, 15c for each $1 over $69,528; $129,718 – $186,050, $9,028 plus 17c for each $1 over $129,717; $186,051 and over, 10% of your total repayment income. In 2025–26 the minimum threshold was $67,000.
Repayment Income
Repayment income is taxable income plus reportable fringe benefits, total net investment losses, reportable super contributions and exempt foreign employment income. Enter that total, not just your salary.
Worked Examples
Repayment income $86,380: ($86,380 − $69,528) × 15% = $2,527.80. Repayment income $137,064: $9,028 + ($137,064 − $129,717) × 17% = $10,276.99. Both are the ATO's own examples.
Indexation
On 1 June each year the ATO applies indexation to the part of a study loan that has remained unpaid for more than 11 months. Published rates: 2.8% in 2026, 3.2% in 2025, 4% in 2024 (previously 4.7%) and 3.2% in 2023 (previously 7.1%).
Source and Disclaimer
The same thresholds apply to HELP, VET Student Loans, SFSS, SSL, ABSTUDY SSL and AASL. An estimate only; your notice of assessment is final.
Source: ATO — Study and training loan repayment thresholds and rates (updated 30 June 2026) and indexation rates. Last updated: October 2026.