HECS/HELP Calculator

Our quick and simple HECS calculator lets you check your estimated compulsory HECS repayment for the year.

Reduce your HECS repayment by getting the most of your Tax Return when you lodge with One Click Life:

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View HECS debt for free

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HECS/HELP Calculator

Estimate your compulsory HECS / HELP repayments this year and to completely clear your HECS / HELP

Creating a free account with One Click Life will allow you to calculate HECS debt for free on your tax dashboard. You can prepare a free estimate of your online tax return to calculate HECS repayments or use our HECS calculator to calculate HECS repayments.


Using Our HECS Repayments Calculator

It’s simple to calculate HECS repayments using our HECS calculator. To calculate HECS debt repayments using our HECS Calculator, you will need to follow these two simple steps:

Step 1


Enter your gross annual income into the calculator. If you do not know your annual income, you can approximate it by extending your year-to-date pay from your payslip over a year.

For example, if you made $20,000 up to October 31st, you could divide it by 4 months to calculate your monthly earnings, then multiply it by 12 months to account for the entire year.

$20,000 / 4 months x 12 months = $60,000.

In this case, you would input $60,000 into the calculator to determine your HECS repayment rate.

Step 2

HECS Debt Balance

Enter your current HECS HELP debt balance into the calculator. You can find your ATO HECS debt balance on your One Click Life dashboard by following these steps:

1. Log in to your OCL account.

2. Click on the “TAX” tab.

3. Your outstanding HECS balance will be displayed.

Input your HECS debt balance into the calculator to estimate your HECS repayment rate.

Creating a free account with One Click Life will allow you to view your HECS debt. You can then calculate your HECS debt to pay for the year and Calculate HECS repayments using our free HECS calculator.

Check my HECS debt