HECS Impact on Borrowing Calculator
Estimate compulsory HELP repayments using 2026–27 ATO thresholds and their illustrative impact on mortgage capacity.
Illustrative capacity reduction
$45,299
Annual compulsory repayment
$4,571
Monthly assessed commitment
$381
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Assumptions and limitations
Uses the ATO 2026–27 marginal repayment schedule: $69,528 threshold, then 15%, 17% and 10% bands. Repayment income includes more than salary (including reportable fringe benefits, net investment losses and certain super contributions). The repayment is capped at the entered remaining debt. The borrowing impact converts that monthly commitment into a mortgage at your assessment rate; it is not a full lender assessment. Lender treatment of near-paid-off debts varies. Do not clear HELP at the expense of your deposit without advice.
ATO repayment thresholds and rates — source checked 20 October 2026.
Compare live panel lender rates. All calculations are estimates only, not financial, tax or credit advice.
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