HELP / HECS debt repayment calculator
Calculate compulsory HELP / HECS student debt repayments and your net take-home salary across all ATO repayment income thresholds.
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| Component | Annual | Monthly | |
|---|---|---|---|
| Gross Base Salary | |||
| Total Deductions (Tax + Medicare + HELP) | |||
| Net Take-Home Pay |
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Also with the australia pay calculator
About this tool
Calculate your compulsory Higher Education Loan Program (HELP/HECS) debt repayments based on your taxable repayment income under ATO thresholds.
How to use it
- 1 Enter your gross annual base salary in Australian dollars ($ AUD).
- 2 Select your pay frequency (fortnightly, weekly, monthly, or annual).
- 3 Tick whether you have a HELP / HECS student loan debt to see exact take-home pay.
Questions
At what income do you start paying back HECS/HELP?
Compulsory repayments begin once your repayment income exceeds $54,435, starting at 1.0% of your total income and scaling up to 10.0%.
What are the revised ATO Stage 3 tax brackets?
For 2024–25 and 2025–26, tax rates are 0% up to $18,200; 16% from $18,201 to $45,000; 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% over $190,000.
What is the compulsory Superannuation Guarantee rate?
The compulsory Superannuation Guarantee (SG) rate is 11.5% of ordinary time earnings, paid by your employer directly into your super fund on top of your salary.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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