Pay Breakdown › HECS-HELP
What comes out of my pay for HECS-HELP?
The compulsory HELP repayment at the ATO's rates for 2026–27, from your step or a salary you enter. Nothing is stored.
Example: New South Wales, Step 1 (Graduate), full time. Change it
Your compulsory repayment
$3,503a year
$134.27 a fortnight, on $92,882 a year (Step 1 (Graduate))
- The rate: 15% of income over $69,528.
- Your income band: $69,528 to $129,717.
- The next threshold: $129,717, $36,835 above your income. Your income is $23,354 above the $69,528 threshold.
SourceATO repayment rates, 2026–27Open the ATO's page ↗
Your details
How it's worked out
- Repayment income can include more than salary (e.g. reportable super and fringe benefits).
- This shows the compulsory repayment only. ATO repayment rates
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