HELP Debt Income Threshold Calculator
Find your HELP/HECS compulsory repayment rate and annual repayment amount for 2025-26 or 2026-27. Compare the full marginal repayment threshold tables.
Use 2025-26 for the return being lodged now, or 2026-27 for the current income year.
Your repayment income: taxable income + reportable fringe benefits + net investment losses.
2026-27 HELP repayment thresholds
| Income Range | Repayment formula |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15.0% above $69,528 |
| $129,718 – $186,050 | $9,028 + 17.0% above $129,717 |
| $186,051+ | 10.0% of total income |
Up to $69,528, no repayment is required.
Compulsory HELP repayments are based on your repayment income — your taxable income plus any reportable fringe benefits amounts and net investment losses. From 2025-26, the marginal formula applies only to income above each threshold, subject to the 10% cap; employers generally collect the expected amount through PAYG withholding.
Below the minimum threshold, no repayment is required. Above the threshold, the repayment rate increases progressively with income. Use this calculator to see where you sit and check the full table of thresholds below.
For a full payoff timeline including voluntary payments and indexation, use the HELP debt payoff timeline calculator.
What is the HELP repayment threshold for 2025-26?
What is the HELP repayment threshold for 2026-27?
How is the HELP repayment rate determined?
Does my spouse's income count toward the HELP repayment threshold?
Tax Accuracy & Sources
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.