Clear answers on your HECS debt
HECSRepaymentCalculator.com is an independent tool that estimates your compulsory HECS-HELP repayment under the 2025-26 marginal system, and projects how quickly your balance clears. No sign-up, no data collection.
What we stand for
- Accuracy. Our thresholds and rates come from the ATO's published schedule.
- Privacy. Everything runs in your browser — we don't store your income or debt.
- Plain English. We explain the marginal system, indexation and the 20% cut without jargon.
Important
We are not the ATO, a lender, or a licensed adviser, and we are not affiliated with the Australian Government. Our figures are estimates for planning only — always confirm with the ATO or a registered tax agent. See our disclaimer.