MundoKit

Australia HELP Repayment Calculator: 2025–27

Enter repayment-income components, repayable HELP debt for this assessment and study-loan withholding. Compare statutory annual repayment estimates.

Inputs
AUD
AUD
AUD
AUD
AUD
AUD
Use accumulated HELP debt on 1 June immediately preceding assessment, reduced by subsequent applicable repayments or reductions. Exclude newly incurred debt outside that balance. Enter zero if there was no accumulated debt on that June date.
AUD

Results

Estimated compulsory repayment
A$3,070.80
Repayment income
A$90,000.00
Repayment less study-loan withholding
A$3,070.80
Same income and debt in both years
Income yearBefore debt capAfter debt cap
2025-26A$3,450.00A$3,450.00
2026-27A$3,070.80A$3,070.80
  • This is annual liability, not a PAYG withholding schedule. A negative gap is excess study-loan withholding, not your full tax refund.
  • Use repayable HELP debt based on 1 June immediately preceding assessment, after subsequent applicable reductions; exclude new debt outside that balance. No indexation or payoff projection is calculated.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

Repayment income adds taxable income excluding assessable FHSS releases, reportable fringe benefits, net investment losses, reportable super contributions and exempt foreign employment income.

Under sections 154-20 and 154-25, accumulate 15% between the lower and middle thresholds, then 17% above the middle threshold. Cap this at 10% of total repayment income. The thresholds are $67,000 / $125,000 in 2025–26 and $69,528 / $129,717 in 2026–27.

bands = 15% × max(0, min(income, middle) − lower) + 17% × max(0, income − middle) repayment = min(bands, 10% × income, repayable HELP debt) gap = repayment − study-loan withholding

The ATO table uses a fixed $9,028 in the 2026–27 middle band. Accumulating the statutory lower band instead gives $9,028.35. This worksheet uses the statute, avoiding a decrease at the band boundary. At $137,064, the statutory estimate is $10,277.34 versus $10,276.99 in the ATO example. The ATO assessment determines the final amount.

Section 154-1 tests accumulated HELP debt on 1 June immediately preceding assessment. Section 154-15 accounts for subsequent applicable reductions. Enter that repayable balance, excluding newly incurred debt outside it; enter zero if no accumulated debt existed on that June date.

Decimal incomes use the same continuous formula and explicit cap. This excludes hardship and Medicare family-income reductions, overseas levies and indexation calculations. No intermediate rounding; displayed money is rounded to two decimals.

Worked examples

$90,000 repayment income

With debt above the repayment, 2025–26 gives ($90,000 − $67,000) × 15% = $3,450. In 2026–27 it gives $3,070.80.

Statutory middle-band calculation

Taxable income $118,450 plus reportable super $18,614 gives $137,064. The accumulated 2026–27 bands give $9,028.35 + $7,347 × 17% = $10,277.34, below the $13,706.40 income cap and before the debt cap.

Frequently asked questions

Is this my payroll deduction?
No. It estimates annual liability. PAYG schedules estimate withholding during the year; the ATO reconciles the amount when you lodge.
Does salary sacrifice lower repayment income?
Reportable super contributions are added back. Enter the taxable income after sacrifice and the reportable super separately.
Does a negative gap mean a tax refund?
It means the entered study-loan withholding exceeds this estimate. Other tax, offsets and liabilities can change your overall assessment.
Which debt balance should I enter?
Enter repayable HELP debt for this assessment: accumulated debt on 1 June immediately preceding assessment, reduced by subsequent applicable repayments and reductions. Do not add newly incurred debt outside that balance. No debt on that June date means zero here, even if new debt exists by assessment.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.