HELP income threshold calculator
Find your compulsory repayment rate using ATO 2024-25 thresholds.
HECS/HELP Lab
Income threshold calculator
Look up your compulsory HELP repayment rate based on your income. Uses the ATO 2024-25 thresholds.
Your repayment
Repayment rate
3.5%Annual compulsory repayment
$2,625Per fortnight (approx.)
$101Per week (approx.)
$50ATO 2024-25 thresholds
Your bracket is highlighted
$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%| Income range | Repayment rate | Annual repayment (at min) |
|---|---|---|
| $0 - $54,434 | 0.0% | Nil |
| $54,435 - $62,850 | 1.0% | $544 |
| $62,851 - $66,620 | 2.0% | $1,257 |
| $66,621 - $70,618 | 2.5% | $1,666 |
| $70,619 - $74,855 | 3.0% | $2,119 |
| $74,856 - $79,346 | 3.5% | $2,620 |
| $79,347 - $84,107 | 4.0% | $3,174 |
| $84,108 - $89,154 | 4.5% | $3,785 |
| $89,155 - $94,503 | 5.0% | $4,458 |
| $94,504 - $100,174 | 5.5% | $5,198 |
| $100,175 - $106,185 | 6.0% | $6,011 |
| $106,186 - $112,556 | 6.5% | $6,902 |
| $112,557 - $119,309 | 7.0% | $7,879 |
| $119,310 - $126,467 | 7.5% | $8,948 |
| $126,468 - $134,056 | 8.0% | $10,117 |
| $134,057 - $142,100 | 8.5% | $11,395 |
| $142,101 - $150,626 | 9.0% | $12,789 |
| $150,627 - $159,663 | 9.5% | $14,310 |
| $159,664+ | 10.0% | $15,966 |
The ATO sets HELP repayment thresholds each financial year. For 2024-25, the minimum threshold is $54,435 — below this income, no compulsory repayment is required. The rate scales from 1% up to 10% for incomes of $159,664 and above.
HELP repayment income (HRI) is broader than taxable income. It includes net investment losses, reportable fringe benefits, reportable super contributions, and exempt foreign employment income. Use your total HRI to look up the correct rate.
Frequently Asked Questions
- What income is used for HELP repayments?
- HELP repayment income (HRI) includes your taxable income plus any total net investment losses, reportable fringe benefits, reportable super contributions, and exempt foreign employment income.
- How much is the minimum HELP repayment threshold?
- For 2024-25, the minimum repayment threshold is $54,435. If your repayment income is below this amount, no compulsory repayment is required.
- What is the maximum HELP repayment rate?
- The maximum compulsory repayment rate is 10%, which applies to incomes of $159,664 and above for the 2024-25 financial year.