FY26 · marginal repayment
What will your HECS repayment be?
See your compulsory study and training loan repayment for FY26 under the new marginal system, calculated from current ATO thresholds.
Educational tool. Not financial advice.
Your taxable income for FY26
Your assessable income minus deductions — the figure on your tax return. We add the items below to get your repayment income.
Current HELP / HECS balance
Optional. Lets us show your repayment as a share of the balance. We don't model indexation or a payoff date.