HECS-HELP repayment calculator (ATO 2024-2025)
Calculate Australian HECS-HELP student debt compulsory repayments under 2024-2025 income threshold brackets (1%-10%) and indexation. Free.
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2024-25 threshold starts at $54,435
Indexed annually on June 1 (CPI/WPI)
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Also with the help / hecs-help debt repayment calculator
About this tool
Calculate compulsory annual and monthly HECS-HELP repayments under official ATO income thresholds.
How to use it
- 1 Enter your current outstanding HECS-HELP debt balance.
- 2 Enter your estimated annual taxable income.
- 3 Review your compulsory annual and monthly repayment amounts.
Questions
What is the 2024-2025 HECS minimum repayment threshold?
The minimum threshold is $54,435 (1.0% repayment rate), increasing up to 10% on incomes over $159,663.
What is the minimum income to repay HECS in Australia?
For the 2024-2025 tax year, the minimum repayment threshold is $54,435. Incomes below this amount incur 0% compulsory repayment.
When is Australian HECS debt indexed?
HECS-HELP debts are indexed on June 1 each year based on the lower of the Consumer Price Index (CPI) and Wage Price Index (WPI).
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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