HECS / HELP Calculator

Calculate your compulsory HELP, HECS, TSL or SFSS student loan repayment under the Australian marginal repayment system.

Annual repayment income

$0$300,000

This is your repayment income — typically your taxable income plus any reportable super contributions, reportable fringe benefits and net investment losses. It’s the figure the ATO uses to calculate your compulsory repayment.

I have a HECS / HELP debt

Includes HELP, HECS-HELP, TSL, SSL and SFSS loans.

Tax year

Repayment threshold for 2026-27: $69,528

All calculations reset instantly as you type.