HELP / HECS Repayment Calculator Australia 2026–27
Estimate compulsory 2026–27 HELP and study-loan repayments using the new marginal method.
Last reviewed 7 October 2026 · Estimate only, not tax advice
Calculate your estimate
2026–27 financial year · Australian dollars · results update automatically
Results update automatically
HELP / HECS Repayment Calculator
- Repayment income
- $100,000.00
- Minimum threshold
- $69,528.00
- Compulsory repayment
- $4,570.80
- Effective repayment rate
- 4.57%
How this calculator works
Estimate compulsory 2026–27 HELP and study-loan repayments using the new marginal method. Inputs are validated, passed to the versioned Australia engine, and recalculated immediately whenever a field changes.
Formula
Repayments are marginal above $69,528, then use the second band, capped by the 10% total-income method.
Worked example
Repayment income includes more than taxable salary, including reportable super and net investment losses.
Edge cases and assumptions
Tax residency, eligibility dates, exemptions, family circumstances and documentation can change the result. The result card calls out material assumptions and unknown components are not silently changed to zero.
Frequently asked questions
Is this help / hecs repayment calculator exact?
No. It is a transparent 2026–27 estimate. Your final ATO, payroll or state revenue assessment can include facts not entered here.
Does the calculator store my figures?
No. The deterministic calculation runs in your browser and Taxliva does not require an account.
Which financial year does it use?
It uses 1 July 2026 to 30 June 2027 and rule version AU-2026-27-v1.
Official sources
- HELP loan repayments 2026–27 — Australian Government Department of Education
Rule review
Related calculators
Continue with another tool in the tax journey.
Income Tax Calculator
Estimate Australian resident, foreign-resident or working-holiday income tax, LITO, Medicare and optional HELP.
PAYG Tax Calculator
Estimate annual tax liability and average pay-period amounts without presenting annual tax divided by 52 as exact payroll withholding.
Medicare Levy Calculator
Estimate the standard 2% Medicare levy and the low-income phase-in for individuals or families.
Medicare Levy Surcharge Calculator
Estimate the 2026–27 MLS tier for singles or families without approved private hospital cover.