HECS/HELP Repayment Calculator Australia 2025
Calculate your HECS/HELP debt repayments and payoff timeline. Includes current thresholds, indexation rates, and voluntary payment benefits for 2025.
HECS/HELP Details
$
$
$
Repayment Projection
Current Annual Repayment
$2,625
3.5% of income
Years to Pay Off
9 years
Total to be Paid
$30,335
Repayment Breakdown
Original Debt$25,000
Total Interest (Indexation)$5,335
Additional Payments$0/year
Money-Saving Tips
- • Voluntary payments of $500+ get a 5% government bonus
- • Pay before June 1 to avoid indexation
- • Consider salary sacrifice to reduce taxable income
- • Check your debt balance annually on myGov
Share this calculator: