7 calculators Updated for 2026–27
Study loans calculators
HECS and HELP repayments, the thresholds they are worked out from, indexation, and what a study debt does to a mortgage application.
HECS / HELP repayment
Your compulsory repayment, and how long the debt takes to clear.
Repayment thresholds
Every repayment band for 2026–27, with the rate for each one.
Debt indexation
The yearly increase added to your loan balance, and the date it lands.
Debt & borrowing power
How a HELP debt reduces what a lender will lend you.
All loan types
HELP, VET Student Loans, apprenticeships, Student Start-up Loans — and how each is collected.
Apprenticeship loans
The Australian Apprenticeship Support Loan, and the 20% discount for finishing.
Voluntary repayments
Paying extra on a study loan — what it changes, and why it is not deductible.
Every calculator on this page shows the official rates it uses and the date we last checked them, so you can look up the figure yourself before you rely on it. See how we build these.
Other topics
Pay & tax
What you actually take home — 11 calculators
Superannuation
The 12% you do not see — 10 calculators
Family & child care
Payments, subsidies and tests — 8 calculators
Property & renting
Investors, landlords and renters — 7 calculators
Centrelink & payments
What each payment actually pays — 11 calculators
Visas & migrants
Four tax scales, one country — 7 calculators
All 61 calculators
The whole list on one page, with a search box.