HECS/HELP repayment
Calculate your compulsory student-loan repayment and see where your income sits in the applicable regime.
Annual compulsory repayment estimate $3,071. Effective rate 3.41%.
Annual compulsory repayment
$3,071/year
From $90,000 repayment income · $118.11 per fortnight · $255.90 per month
- Your bracket
- 15c per $1on income above $69,528
- % of income
- 3.41%repayment ÷ repayment income
- Per fortnight
- $118.11annual ÷ 26
- Per month
- $255.90annual ÷ 12
Compulsory repayment by income
Nothing below $69,528, then marginal rates capped at 10% of total income.
$3,071 / year at $90,000 income
Repayment brackets
The marginal regime replaced the flat-percentage system from 1 July 2025.
| Repayment income | Compulsory repayment | At top of bracket |
|---|---|---|
| $0 – $69,528 | Nil. No compulsory repayment. | $0 |
| $69,529 – $129,717 | 15c per $1 over $69,528 | $9,028 |
| $129,718 – $186,050 | $9,028.35 + 17c per $1 over $129,717 | $18,605 |
| $186,051 and over | 10% of total repayment income – an effective cap | 10% flat |
Formula bases are shown to the cent. Some published ATO material rounds them to whole dollars.