1 Enter your income 2 See the repayment you owe

Income year

Your income this year Type the money you earn here — not the amount you repay. The ATO calls this figure your “repayment income”: your taxable income plus reportable fringe benefits, net investment losses, reportable super contributions and exempt foreign employment income.

You can try it now — it is pre-filled with $90,000, which gives a repayment of $3,070.80 for the year. Change the number and the answer updates instantly.

Show repayment as

Your current loan balance Optional, and it does not change your monthly repayment — that is driven by your income alone. The balance only decides how many years are left.

Assumed indexation rate On 1 June each year your balance is indexed by the lower of CPI or the Wage Price Index. That rate changes annually — 2026 was 2.8%. Set it to 0% to see the effect of no indexation.

Assumed pay rise each year Optional but realistic. Your repayment is a percentage of your income, so as your pay grows your repayment grows too — which clears the loan sooner. Set it to 0% to assume your pay never changes.

Step 2 · your result

Estimated compulsory repayment

$0.00

per year

Repayment income: $0
No repayment below: $0
Marginal rate applied: —
Total for the year: $0

Calculation method: ATO study and training support loan repayment thresholds and rates, checked 11 October 2026. This tool gives a general estimate and is not tax advice.

Calculator by Aussie Calculators — free, and sourced to the ATO, Services Australia and each state revenue office.

HECS / HELP Repayment Calculator