Australia · 2026–27

HELP repayments are based on more than your salary.

Build your 2026–27 repayment income from the amounts the ATO uses, then estimate the marginal compulsory repayment. This is more complete than treating salary alone as repayment income.

HELP / STSL repayment income

Build the income figure the repayment formula uses

Your values stay in your browser.

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Taxable incomeTaxable income excluding assessable FHSS released amounts for repayment-income purposes.$ Reportable fringe benefitsTotal reportable fringe benefits amount.$ Total net investment lossIncludes net rental losses.$ Reportable super contributionsIncludes relevant reportable employer/personal super contributions.$ Exempt foreign employment incomeEnter the amount included in repayment income.$ Remaining HELP/STSL debt (optional)If entered, the estimate will not exceed this remaining balance.$

Repayment income$0

Estimated compulsory repayment$0

Effective repayment rate0%

Monthly equivalent$0

Fortnightly equivalent$0

Weekly equivalent$0

Scope: this estimates the annual compulsory repayment assessed at tax time. Employer PAYG withholding can differ during the year. Voluntary repayments do not reduce the compulsory repayment calculated from repayment income, and the actual compulsory repayment cannot exceed the remaining repayable debt.

Repayment income

The ATO adds several amounts back

For HELP and other study/training support loans, repayment income generally starts with taxable income and adds reportable fringe benefits, total net investment loss, reportable super contributions and exempt foreign employment income.

This matters for salary sacrifice and investment losses: taxable income can fall while repayment income stays higher.

ATO — compulsory repayments →

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