HELP Debt Income Threshold Calculator
Find your HELP/HECS compulsory repayment rate and annual repayment amount based on your income. See the full 2025-26 repayment threshold table.
Your repayment income: taxable income + reportable fringe benefits + net investment losses.
2025-26 HELP Repayment Thresholds
| Income Range | Repayment Rate |
|---|---|
| $0 – $54,434 | 0.0% |
| $54,435 – $62,850 | 1.0% |
| $62,851 – $66,620 | 2.0% |
| $66,621 – $70,618 | 2.5% |
| $70,619 – $74,855 | 3.0% |
| $74,856 – $79,346 | 3.5% |
| $79,347 – $84,107 | 4.0% |
| $84,108 – $89,154 | 4.5% |
| $89,155 – $94,503 | 5.0% |
| $94,504 – $100,174 | 5.5% |
| $100,175 – $106,185 | 6.0% |
| $106,186 – $112,556 | 6.5% |
| $112,557 – $119,309 | 7.0% |
| $119,310 – $126,467 | 7.5% |
| $126,468 – $134,056 | 8.0% |
| $134,057 – $142,100 | 8.5% |
| $142,101 – $150,626 | 9.0% |
| $150,627 – $159,663 | 9.5% |
| $159,664+ | 10.0% |
Below $0, 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. The repayment is calculated as a percentage of your total income and is withheld through the PAYG system by your employer.
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 repayment calculator.