AU Pay & Tax

HELP / HECS

HELP / HECS repayment guide (simplified)

A quick overview of HELP/HECS thresholds, repayment rates, and how repayments affect your take-home pay.

Key points

  • HELP/HECS repayments start once your income crosses the relevant threshold.
  • Repayment rates are a percentage of your repayment income and scale up with higher earnings.
  • This calculator does not model HELP/HECS, so your actual payslip may withhold more than shown.

Thresholds and repayment percentages

Each financial year, the ATO publishes thresholds and repayment rates. Once your income exceeds the first threshold, a percentage of your repayment income is directed to HELP. The percentage increases with higher income bands.

Because rates change annually, always check the current ATO HELP thresholds. Employers may withhold HELP amounts when you declare a HELP debt on your TFN declaration.

FAQ

Does HECS reduce my take-home pay?

Yes. When your income passes the HELP threshold, a percentage is withheld for repayments, lowering your take-home pay. This simplified calculator does not include HELP, so your payslip may show a lower net amount.

What income triggers HECS repayments?

When your repayment income exceeds the first HELP threshold for the year. Check the latest ATO thresholds to confirm the exact amount and rate.

Why might my payslip differ from this calculator?

If you have a HELP debt and told your employer, they may withhold extra for HELP. Other deductions or payroll rounding can also change the take-home figure.

Next step

For gross-to-net estimates without HELP, use the main calculator. For accurate HELP withholding, compare with your payslip or ATO tables.

Use the main calculatorView tax brackets