# HECS-HELP repayment calculator

> Estimate your HELP repayment from annual repayment income and see the average per pay.

Canonical HTML: https://getclova.com/tools/hecs-repayment-calculator

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Estimate your HELP repayment from annual repayment income and see the average per pay.

## Method and assumptions

Uses the 2026–27 Australian HELP marginal repayment rules on annual repayment income, capped at 10% of income and at an optional repayable balance. Per-pay amounts divide the annual assessment by 52, 26 or 12. These are annual averages, not PAYG withholding estimates. The optional balance outlook uses a user-selected indexation assumption and fixed income and thresholds. Entries stay in your browser.

Open the [interactive calculator](https://getclova.com/tools/hecs-repayment-calculator). JavaScript is required to recalculate.

## Guides that use this

- [How HECS-HELP debt works in 2026](https://getclova.com/blog/hecs-debt)