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HECS-HELP Repayment Calculator 2025–26

Find out exactly how much HECS-HELP you'll repay each year based on your income, how long it will take to clear your debt, and how much extra you'll pay due to CPI indexation. Uses the 2025–26 ATO repayment thresholds.

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HECS Repayment Calculator

FY 2025–26 thresholds

ℹ️Uses FY 2025–26 repayment thresholds. Indexation is applied on 1 June each year.
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CPI estimate (ATO publishes annually)

About this calculator

Find out exactly how much HECS-HELP you'll repay each year based on your income, how long it will take to clear your debt, and how much extra you'll pay due to CPI indexation. Uses the 2025–26 ATO repayment thresholds. Results are estimates only and should not be taken as financial, tax, or legal advice. Figures are based on current published rates for FY 2025–26 and may not reflect your individual circumstances. Always consult a qualified professional for personalised advice.

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