2026-27 marginal system
HECS/HELP repayments
What you'll repay this year under the new marginal system — you only repay on income above $69,528.
HECS/HELP repayments
What you'll repay this year on the new (2026-27) marginal system.
Your compulsory repayment this year
$2,321
$193 a month, taken from your pay before it reaches you.
Repayment / month
$193
Roughly cleared in
11 yrs
2026-27 marginal system: you repay 15c per $1 above $69,528, rising in bands. “Repayment income” adds back some items (e.g. reportable super). Years-to-clear ignores annual indexation, so the real time is a little longer. A guide, not advice.