Repayment rate
3.5%HELP Income Threshold Calculator
Find your compulsory repayment rate using ATO 2024-25 thresholds
HECS/HELP Lab
Income threshold calculator
Look up your compulsory HELP repayment rate based on your income. Uses the ATO 2024-25 thresholds.
Your repayment
Annual compulsory repayment
$2,625Per fortnight (approx.)
$101Per week (approx.)
$50ATO 2024-25 thresholds
Your bracket is highlighted
$0 - $54,434
0.0%$54,435 - $62,850
1.0%$62,851 - $66,620
2.0%$66,621 - $70,618
2.5%$70,619 - $74,855
3.0%$74,856 - $79,346
3.5%$79,347 - $84,107
4.0%$84,108 - $89,154
4.5%$89,155 - $94,503
5.0%$94,504 - $100,174
5.5%$100,175 - $106,185
6.0%$106,186 - $112,556
6.5%$112,557 - $119,309
7.0%$119,310 - $126,467
7.5%$126,468 - $134,056
8.0%$134,057 - $142,100
8.5%$142,101 - $150,626
9.0%$150,627 - $159,663
9.5%$159,664+
10.0%| Income range | Repayment rate | Annual repayment (at min) |
|---|---|---|
| $0 - $54,434 | 0.0% | Nil |
| $54,435 - $62,850 | 1.0% | $544 |
| $62,851 - $66,620 | 2.0% | $1,257 |
| $66,621 - $70,618 | 2.5% | $1,666 |
| $70,619 - $74,855 | 3.0% | $2,119 |
| $74,856 - $79,346 | 3.5% | $2,620 |
| $79,347 - $84,107 | 4.0% | $3,174 |
| $84,108 - $89,154 | 4.5% | $3,785 |
| $89,155 - $94,503 | 5.0% | $4,458 |
| $94,504 - $100,174 | 5.5% | $5,198 |
| $100,175 - $106,185 | 6.0% | $6,011 |
| $106,186 - $112,556 | 6.5% | $6,902 |
| $112,557 - $119,309 | 7.0% | $7,879 |
| $119,310 - $126,467 | 7.5% | $8,948 |
| $126,468 - $134,056 | 8.0% | $10,117 |
| $134,057 - $142,100 | 8.5% | $11,395 |
| $142,101 - $150,626 | 9.0% | $12,789 |
| $150,627 - $159,663 | 9.5% | $14,310 |
| $159,664+ | 10.0% | $15,966 |
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FAQs
What income is used for HELP repayments?
HELP repayment income (HRI) includes your taxable income plus any total net investment losses, reportable fringe benefits, reportable super contributions, and exempt foreign employment income.
How much is the minimum HELP repayment threshold?
For 2024-25, the minimum repayment threshold is $54,435. If your repayment income is below this amount, no compulsory repayment is required.
What is the maximum HELP repayment rate?
The maximum compulsory repayment rate is 10%, which applies to incomes of $159,664 and above for the 2024-25 financial year.