Live calculator
HELP Debt Repayment Calculator Australia
Estimate compulsory HELP, VSL, SSL or study debt repayments from Australian income.
HELP repayment calculator
Compare pay with and without HELP debt
Take-home without HELP
$67,280
Take-home with HELP
$64,959
Annual HELP repayment
$2,321
Repayment rate
2.7%
Take-home comparison
How to use this page
Study debt repayments are based on repayment income thresholds and can materially change take-home pay.
Enter salary and financial year to compare take-home pay with and without compulsory study debt repayments.
What this estimate includes
Australian financial-year tax brackets
Standard Medicare levy assumption
HELP repayment toggle
Employer super shown separately
Annual, monthly, fortnightly and weekly views
Plain-English assumptions and trace
Frequently asked questions
Does the calculator include HELP thresholds?
Yes. HELP repayment bands are stored in the selected financial-year rules.
Is voluntary repayment advice included?
No. This page estimates compulsory repayments only and does not provide personal financial advice.