HELP repayment thresholds 2026–27
Applies to HELP and the other study and training support loans. Since 2025–26 repayments are marginal: you repay a share of income above the threshold, not a percentage of all of it.
| Repayment income | Repayment for the year |
|---|---|
| $69,528 or less | Nil |
| $69,529 – $129,717 | 15c for each $1 over $69,528 |
| $129,718 – $186,050 | $9,028 plus 17c for each $1 over $129,717 |
| $186,051 and over | 10% of your total repayment income |
Source: ATO, Study and training support loans rates and repayment thresholds
Repayment income is your taxable income plus reportable fringe benefits, reportable super contributions (including salary sacrifice), net investment losses and exempt foreign employment income. Your employer withholds an amount each pay, and the exact repayment is worked out on your tax return.
Repayments at common salaries
| Salary | HELP repayment | A fortnight |
|---|---|---|
| $60,000 | $0.00 | $0.00 |
| $75,000 | $820.80 | $31.57 |
| $90,000 | $3,070.80 | $118.11 |
| $110,000 | $6,070.80 | $233.49 |
| $130,000 | $9,076.11 | $349.08 |
| $160,000 | $14,176.11 | $545.24 |
| $200,000 | $20,000.00 | $769.23 |
Assumes salary is your only repayment income. Add HELP in the pay calculator to see your take-home.
Rates checked 19 October 2026 against the ATO for the 2026–27 tax year (1 July 2026 – 30 June 2027). How we calculate · Sources · Accuracy tests · Report an error
Estimate for information only, based on Australia 2026–27 rates. Not tax or financial advice. Your payslip may differ (for example tax code, benefits or other deductions).