Australian HECS-HELP

Indexation Optimizer

On 1 June 2026, HELP balances grow by 2.80%. Should you pay some down by 26 May 2026, or park the cash in a 5.5% savings account? Plug in your numbers.

Your numbers
All amounts in AUD. We don't store anything.
$
$

Taxable + reportable super

$

Best guess

$
$

How much you could front by 26 May 2026

% p.a.

High-interest savings account rate (default 5.50%)

Reset
Awaiting inputs

Fill the form and hit Calculate. Results appear here. Nothing is saved — your data lives only in the URL you share.

  • 1 June 2026 indexation: 2.80% (lower of CPI / WPI)
  • Voluntary payment cut-off: 26 May 2026
  • New marginal repayment system from 1 July 2025 — threshold $67,000
HECS Indexation Optimizer