About & disclaimer
This is a static, browser-only educational estimator for Australian HELP / HECS-HELP style compulsory repayments. It is not a government service.
Not ATO or tax advice
Compulsory repayments depend on your full repayment income, loan balance, and how the ATO assesses your return. Do not rely on this tool for filings, withholding variations, or financial decisions.
Always verify against the official ATO and StudyAssist pages, and seek a registered tax agent if you need advice.
Privacy
No forms POST anywhere. Income you type stays in your browser for the estimate only. No accounts, cookies for tracking, or analytics scripts are included.
How to verify
- Note the income year and repayment income you used here.
- Open the official ATO thresholds table and confirm the bracket.
- Optionally use the ATO’s own study and training loan repayment calculator.
- Cross-check the minimum threshold on StudyAssist.
Sources used in this build
- Verified fact ATO study and training loan repayment thresholds (2025–26 and 2026–27 tables) — fetched 2026-10-07 (Australia/Sydney). Page marked last updated 30 June 2026.
- StudyAssist loan repayments page — confirms 2025–26 minimum threshold $67,000 (same fetch date).
Machine-readable copy: rates.json.