Thresholds for 2026–27 · ATOChecked 26 September 2026
HELP / HECS repayment calculator
Your compulsory study-loan repayment for the year, under the marginal system.
Compulsory repayment for 2026–27
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Repayment thresholds 2026–27
| Repayment income | Repayment |
|---|---|
| $0 – $69,528 | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,050 | $9,028 plus 17c for each $1 over $129,717 |
| $186,051 and over | 10% of total repayment income |
| Repayment income | Compulsory repayment |
|---|---|
| $60,000 | $0 |
| $75,000 | $821 |
| $90,000 | $3,071 |
| $110,000 | $6,071 |
| $140,000 | $10,776 |
| $200,000 | $20,000 |
Questions
When do I start repaying HELP?
In 2026–27 compulsory repayments start once your repayment income is above $69,528.
What changed with the marginal repayment system?
Since 2025–26 you repay a percentage of the income above the threshold, rather than a percentage of your whole income. That removed the jump where earning $1 more could cost thousands in repayments.
What is repayment income?
Taxable income plus reportable fringe benefits, total net investment loss, reportable super contributions and exempt foreign employment income.
Does my employer take HELP out of my pay?
Yes, if you tell them you have a study loan they withhold extra tax each pay. The exact compulsory repayment is worked out when you lodge your return.
Sources
Checked 26 September 2026. OneCalcs is independent and not affiliated with the ATO or Fair Work.