Since 2025–26, HELP repayments are charged only on income above the threshold, not on your whole income. For most people that means lower repayments than before.
Rates checked against ATO and official sources on 26 September 2026. How we calculate
Results update as you type.
Compulsory repayment this year$2,321Paid off in about 16 years · $43,457 repaid in total ($36,228 in today's dollars)
Year
Income
Repayment
Balance after
2026–27
$85,000
$2,321
$33,660
2027–28
$87,550
$2,390
$32,207
2028–29
$90,177
$2,462
$30,637
2029–30
$92,882
$2,536
$28,944
2030–31
$95,668
$2,612
$27,122
2031–32
$98,538
$2,690
$25,165
2032–33
$101,494
$2,771
$23,066
2033–34
$104,539
$2,854
$20,818
2034–35
$107,675
$2,940
$18,414
2035–36
$110,906
$3,028
$15,847
2036–37
$114,233
$3,119
$13,110
2037–38
$117,660
$3,213
$10,195
Projection only. It assumes the same pay rise and indexation every year, and thresholds rising with indexation. Voluntary repayments are not included.
In 2026–27 you repay nothing below $69,528 of repayment income. Between $69,528 and $129,717 you repay 15 cents for each dollar above $69,528. Above that it is $9,028 plus 17 cents per dollar over $129,717, and from $186,050 a flat 10% of your total income.
Repayment income includes taxable income plus reportable fringe benefits, reportable super contributions and net investment losses, so salary sacrifice does not reduce it.
The projection indexes your balance each year and applies your assumed pay rise. Both are assumptions you can change under "More options".