{"id":731,"date":"2026-08-17T10:29:36","date_gmt":"2026-08-17T10:29:36","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=731"},"modified":"2026-08-17T10:29:36","modified_gmt":"2026-08-17T10:29:36","slug":"hecs-help-repayment-calculator","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/hecs-help-repayment-calculator\/","title":{"rendered":"HECS-HELP Repayment Calculator"},"content":{"rendered":"<div id=\"hecs-help-au-calculator\">\r\n\r\n  <div class=\"hecs-au-container\">\r\n\r\n    <div class=\"hecs-au-hero\">\r\n\r\n      <div class=\"hecs-au-badge\">\r\n        AUSTRALIA \u2022 2026\u201327\r\n      <\/div>\r\n\r\n      <h2>HECS-HELP Repayment Calculator<\/h2>\r\n\r\n      <p>\r\n        Estimate your compulsory HECS-HELP repayment, take-home repayment\r\n        amounts and how voluntary payments could help reduce your HELP debt.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"hecs-au-main\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"hecs-au-input-card\">\r\n\r\n        <h3>Your HECS-HELP Details<\/h3>\r\n\r\n\r\n        <div class=\"hecs-au-field\">\r\n\r\n          <label for=\"hecs-au-debt\">\r\n            Current HECS-HELP Debt\r\n          <\/label>\r\n\r\n          <div class=\"hecs-au-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hecs-au-debt\"\r\n              value=\"30000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hecs-au-field\">\r\n\r\n          <label for=\"hecs-au-income\">\r\n            Repayment Income\r\n          <\/label>\r\n\r\n          <div class=\"hecs-au-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hecs-au-income\"\r\n              value=\"90000\"\r\n              min=\"0\"\r\n              step=\"1\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n          <small>\r\n            Enter your estimated repayment income, not necessarily just your taxable income.\r\n          <\/small>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hecs-au-field\">\r\n\r\n          <label for=\"hecs-au-extra\">\r\n            Voluntary Monthly Repayment\r\n            <em>Optional<\/em>\r\n          <\/label>\r\n\r\n          <div class=\"hecs-au-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hecs-au-extra\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hecs-au-field\">\r\n\r\n          <label for=\"hecs-au-growth\">\r\n            Expected Annual Income Growth\r\n            <em>Optional<\/em>\r\n          <\/label>\r\n\r\n          <div class=\"hecs-au-input\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hecs-au-growth\"\r\n              value=\"3\"\r\n              min=\"0\"\r\n              step=\"0.1\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hecs-au-field\">\r\n\r\n          <label for=\"hecs-au-indexation\">\r\n            Estimated Annual Indexation\r\n          <\/label>\r\n\r\n          <div class=\"hecs-au-input\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"hecs-au-indexation\"\r\n              value=\"2.8\"\r\n              min=\"0\"\r\n              step=\"0.1\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n          <small>\r\n            Used only for the long-term estimate.\r\n          <\/small>\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"hecs-au-calculate\"\r\n        >\r\n          Calculate HECS Repayment\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"hecs-au-reset\"\r\n          class=\"hecs-au-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- RESULTS -->\r\n\r\n      <div class=\"hecs-au-results\">\r\n\r\n        <div\r\n          id=\"hecs-au-error\"\r\n          class=\"hecs-au-error\"\r\n        ><\/div>\r\n\r\n\r\n        <!-- MAIN RESULT -->\r\n\r\n        <div class=\"hecs-au-result-banner\">\r\n\r\n          <div>\r\n\r\n            <span>\r\n              ESTIMATED ANNUAL COMPULSORY REPAYMENT\r\n            <\/span>\r\n\r\n            <strong id=\"hecs-au-annual\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-banner-right\">\r\n\r\n            <span>\r\n              EFFECTIVE RATE\r\n            <\/span>\r\n\r\n            <strong id=\"hecs-au-rate\">\r\n              0%\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- STATS -->\r\n\r\n        <div class=\"hecs-au-stat-grid\">\r\n\r\n          <div class=\"hecs-au-stat\">\r\n\r\n            <span>Monthly Equivalent<\/span>\r\n\r\n            <strong id=\"hecs-au-monthly\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-stat\">\r\n\r\n            <span>Fortnightly Equivalent<\/span>\r\n\r\n            <strong id=\"hecs-au-fortnightly\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-stat\">\r\n\r\n            <span>Weekly Equivalent<\/span>\r\n\r\n            <strong id=\"hecs-au-weekly\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-stat\">\r\n\r\n            <span>Remaining Debt<\/span>\r\n\r\n            <strong id=\"hecs-au-remaining\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- EXPLANATION -->\r\n\r\n        <div class=\"hecs-au-summary\">\r\n\r\n          <h3>How Your Repayment Is Calculated<\/h3>\r\n\r\n          <p id=\"hecs-au-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- THRESHOLD -->\r\n\r\n        <div class=\"hecs-au-section\">\r\n\r\n          <div class=\"hecs-au-heading\">\r\n\r\n            <h3>2026\u201327 HECS-HELP Repayment Thresholds<\/h3>\r\n\r\n            <p>\r\n              The current Australian HELP repayment system uses marginal\r\n              rates for most repayment-income ranges.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-table-wrap\">\r\n\r\n            <table class=\"hecs-au-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Repayment Income<\/th>\r\n                  <th>Repayment<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n\r\n                  <td>Up to $69,528<\/td>\r\n\r\n                  <td>Nil<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>$69,529 \u2013 $129,717<\/td>\r\n\r\n                  <td>15c per $1 over $69,528<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>$129,718 \u2013 $186,050<\/td>\r\n\r\n                  <td>\r\n                    $9,028.35 + 17c per $1 over $129,717\r\n                  <\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>$186,051+<\/td>\r\n\r\n                  <td>10% of total repayment income<\/td>\r\n\r\n                <\/tr>\r\n\r\n              <\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- PAYOFF ESTIMATE -->\r\n\r\n        <div class=\"hecs-au-section\">\r\n\r\n          <div class=\"hecs-au-heading\">\r\n\r\n            <h3>Estimated HECS-HELP Payoff<\/h3>\r\n\r\n            <p>\r\n              This projection uses your income growth, voluntary payment\r\n              and estimated annual indexation assumptions.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-payoff-grid\">\r\n\r\n            <div>\r\n\r\n              <span>Estimated Payoff Time<\/span>\r\n\r\n              <strong id=\"hecs-au-years\">\r\n                \u2014\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div>\r\n\r\n              <span>Estimated Payoff Year<\/span>\r\n\r\n              <strong id=\"hecs-au-year\">\r\n                \u2014\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div>\r\n\r\n              <span>Total Compulsory Repayments<\/span>\r\n\r\n              <strong id=\"hecs-au-compulsory-total\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div>\r\n\r\n              <span>Total Voluntary Payments<\/span>\r\n\r\n              <strong id=\"hecs-au-voluntary-total\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- INDEXATION -->\r\n\r\n        <div class=\"hecs-au-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>\r\n              Estimated Future Indexation\r\n            <\/strong>\r\n\r\n            <small>\r\n              Based on the annual indexation assumption you entered.\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n\r\n          <span id=\"hecs-au-indexation-total\">\r\n            $0\r\n          <\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- YEARLY SCHEDULE -->\r\n\r\n        <div class=\"hecs-au-section\">\r\n\r\n          <div class=\"hecs-au-heading\">\r\n\r\n            <h3>Estimated Year-by-Year HECS-HELP Schedule<\/h3>\r\n\r\n            <p>\r\n              This is a planning estimate, not an ATO assessment.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"hecs-au-table-wrap\">\r\n\r\n            <table class=\"hecs-au-table hecs-au-schedule\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Year<\/th>\r\n\r\n                  <th>Income<\/th>\r\n\r\n                  <th>Compulsory<\/th>\r\n\r\n                  <th>Voluntary<\/th>\r\n\r\n                  <th>Indexation<\/th>\r\n\r\n                  <th>Ending Debt<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody id=\"hecs-au-schedule-body\"><\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- IMPORTANT NOTE -->\r\n\r\n        <div class=\"hecs-au-note\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          HECS-HELP is not a conventional interest-bearing loan.\r\n          HELP debts are subject to annual indexation and compulsory\r\n          repayments are based on repayment income. Actual repayments\r\n          are calculated by the Australian Taxation Office after your\r\n          tax return is assessed. Employer withholding is an estimate\r\n          toward the eventual compulsory repayment.\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"hecs-au-disclaimer\">\r\n\r\n          <strong>Disclaimer:<\/strong>\r\n\r\n          This calculator provides general estimates for educational\r\n          purposes. It is not an ATO assessment and does not constitute\r\n          tax, financial or legal advice. Actual repayment amounts may\r\n          differ depending on your repayment income, reportable fringe\r\n          benefits, reportable super contributions, net investment losses,\r\n          exempt foreign employment income, loan balance, timing and\r\n          applicable legislation.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SEO CONTENT -->\r\n\r\n    <div class=\"hecs-au-content\">\r\n\r\n      <h3>What Is a HECS-HELP Repayment?<\/h3>\r\n\r\n      <p>\r\n        HECS-HELP repayments are compulsory repayments that apply when\r\n        your repayment income reaches the applicable Australian\r\n        threshold. Unlike a conventional personal loan, your compulsory\r\n        repayment is based on your repayment income rather than a fixed\r\n        monthly loan repayment.\r\n      <\/p>\r\n\r\n\r\n      <h3>What Is Repayment Income?<\/h3>\r\n\r\n      <p>\r\n        Repayment income can be different from taxable income. It can\r\n        include taxable income together with amounts such as reportable\r\n        fringe benefits, reportable super contributions, net investment\r\n        losses and certain exempt foreign employment income.\r\n      <\/p>\r\n\r\n\r\n      <h3>Can I Make Voluntary HECS-HELP Repayments?<\/h3>\r\n\r\n      <p>\r\n        You can make voluntary repayments in addition to compulsory\r\n        repayments. Voluntary payments can reduce your outstanding HELP\r\n        debt, although you should consider your overall financial\r\n        circumstances before making additional payments.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n\/* =====================================================\r\n   HECS-HELP REPAYMENT CALCULATOR AUSTRALIA\r\n   PRIMARY COLOR: #7C3AED\r\n===================================================== *\/\r\n\r\n#hecs-help-au-calculator {\r\n\r\n  --hecs-primary: #7C3AED;\r\n  --hecs-primary-dark: #6D28D9;\r\n  --hecs-primary-light: #F3E8FF;\r\n\r\n  --hecs-text: #111827;\r\n  --hecs-muted: #6B7280;\r\n\r\n  --hecs-border: #E5E7EB;\r\n  --hecs-bg: #F8FAFC;\r\n\r\n  --hecs-green: #15803D;\r\n  --hecs-green-bg: #F0FDF4;\r\n\r\n  --hecs-red: #B91C1C;\r\n  --hecs-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\r\n\r\n  margin: 30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color:\r\n    var(--hecs-text);\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n#hecs-help-au-calculator *,\r\n#hecs-help-au-calculator *::before,\r\n#hecs-help-au-calculator *::after {\r\n\r\n  box-sizing: border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.hecs-au-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-badge {\r\n\r\n  display: inline-block;\r\n\r\n  padding: 6px 12px;\r\n\r\n  border-radius: 50px;\r\n\r\n  background:\r\n    var(--hecs-primary-light);\r\n\r\n  color:\r\n    var(--hecs-primary-dark);\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: .5px;\r\n\r\n  margin-bottom: 10px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-hero h2 {\r\n\r\n  margin:\r\n    0 0 10px;\r\n\r\n  font-size: 32px;\r\n\r\n  line-height: 1.2;\r\n\r\n}\r\n\r\n\r\n.hecs-au-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.hecs-au-main {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    330px 1fr;\r\n\r\n  gap: 22px;\r\n\r\n  align-items: start;\r\n\r\n}\r\n\r\n\r\n\/* INPUT *\/\r\n\r\n.hecs-au-input-card {\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  border-radius: 14px;\r\n\r\n  padding: 22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px\r\n    rgba(0,0,0,.05);\r\n\r\n  position: sticky;\r\n\r\n  top: 20px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-input-card h3 {\r\n\r\n  margin:\r\n    0 0 20px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-field {\r\n\r\n  margin-bottom: 17px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-field label {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 7px;\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n.hecs-au-field label em {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-style: normal;\r\n\r\n  font-weight: 400;\r\n\r\n}\r\n\r\n\r\n.hecs-au-field small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 6px;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n.hecs-au-input {\r\n\r\n  height: 48px;\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  overflow: hidden;\r\n\r\n  background:\r\n    #fff;\r\n\r\n}\r\n\r\n\r\n.hecs-au-input:focus-within {\r\n\r\n  border-color:\r\n    var(--hecs-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.hecs-au-input span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.hecs-au-input input {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n  border: 0;\r\n\r\n  outline: 0;\r\n\r\n  padding:\r\n    0 10px;\r\n\r\n  background:\r\n    transparent;\r\n\r\n  color:\r\n    var(--hecs-text);\r\n\r\n  font-size: 16px;\r\n\r\n}\r\n\r\n\r\n#hecs-au-calculate {\r\n\r\n  width: 100%;\r\n\r\n  height: 50px;\r\n\r\n  border: 0;\r\n\r\n  border-radius: 8px;\r\n\r\n  background:\r\n    var(--hecs-primary);\r\n\r\n  color:\r\n    #fff;\r\n\r\n  font-size: 16px;\r\n\r\n  font-weight: 800;\r\n\r\n  cursor: pointer;\r\n\r\n}\r\n\r\n\r\n#hecs-au-calculate:hover {\r\n\r\n  background:\r\n    var(--hecs-primary-dark);\r\n\r\n}\r\n\r\n\r\n.hecs-au-reset {\r\n\r\n  width: 100%;\r\n\r\n  height: 40px;\r\n\r\n  margin-top: 8px;\r\n\r\n  border: 0;\r\n\r\n  background:\r\n    transparent;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  cursor: pointer;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.hecs-au-error {\r\n\r\n  display: none;\r\n\r\n  margin-bottom: 18px;\r\n\r\n  padding: 13px;\r\n\r\n  border-radius: 9px;\r\n\r\n  background:\r\n    var(--hecs-red-bg);\r\n\r\n  color:\r\n    var(--hecs-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* BANNER *\/\r\n\r\n.hecs-au-result-banner {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 15px;\r\n\r\n  padding: 23px;\r\n\r\n  border-radius: 14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--hecs-primary),\r\n      var(--hecs-primary-dark)\r\n    );\r\n\r\n  color:\r\n    #fff;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n\r\n}\r\n\r\n\r\n.hecs-au-result-banner span {\r\n\r\n  display: block;\r\n\r\n  font-size: 11px;\r\n\r\n  opacity: .8;\r\n\r\n  font-weight: 700;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-result-banner strong {\r\n\r\n  font-size: 25px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-banner-right {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.hecs-au-stat-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 12px;\r\n\r\n  margin-top: 14px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-stat {\r\n\r\n  padding:\r\n    17px 10px;\r\n\r\n  text-align: center;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 12px;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-stat strong {\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.hecs-au-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--hecs-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--hecs-primary);\r\n\r\n  border-radius: 9px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-summary h3 {\r\n\r\n  margin:\r\n    0 0 7px;\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.hecs-au-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-heading h3 {\r\n\r\n  margin:\r\n    0 0 5px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.hecs-au-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-table {\r\n\r\n  width: 100%;\r\n\r\n  border-collapse:\r\n    collapse;\r\n\r\n  min-width: 600px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  padding: 12px;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n  text-align: left;\r\n\r\n}\r\n\r\n\r\n.hecs-au-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n}\r\n\r\n\r\n\/* PAYOFF *\/\r\n\r\n.hecs-au-payoff-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 12px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-payoff-grid > div {\r\n\r\n  padding:\r\n    18px 12px;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.hecs-au-payoff-grid span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-payoff-grid strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 6px;\r\n\r\n  color:\r\n    var(--hecs-primary);\r\n\r\n  font-size: 19px;\r\n\r\n}\r\n\r\n\r\n\/* SAVING BOX *\/\r\n\r\n.hecs-au-saving-box {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border:\r\n    1px solid\r\n    #BBF7D0;\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    var(--hecs-green-bg);\r\n\r\n  display: flex;\r\n\r\n  justify-content:\r\n    space-between;\r\n\r\n  align-items: center;\r\n\r\n  gap: 15px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-saving-box strong {\r\n\r\n  display: block;\r\n\r\n}\r\n\r\n\r\n.hecs-au-saving-box small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n}\r\n\r\n\r\n.hecs-au-saving-box > span {\r\n\r\n  color:\r\n    var(--hecs-green);\r\n\r\n  font-size: 24px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n\/* NOTE *\/\r\n\r\n.hecs-au-note {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 18px;\r\n\r\n  border:\r\n    1px solid\r\n    #DDD6FE;\r\n\r\n  border-radius: 10px;\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n  color:\r\n    #4C1D95;\r\n\r\n  font-size: 12px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.hecs-au-disclaimer {\r\n\r\n  margin-top: 20px;\r\n\r\n  padding-top: 18px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  color:\r\n    var(--hecs-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.hecs-au-content {\r\n\r\n  margin-top: 30px;\r\n\r\n  padding: 25px;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--hecs-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-content h3 {\r\n\r\n  margin:\r\n    0 0 9px;\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n.hecs-au-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .hecs-au-main {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .hecs-au-input-card {\r\n\r\n    position:\r\n      static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .hecs-au-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n  .hecs-au-payoff-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:550px) {\r\n\r\n  .hecs-au-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .hecs-au-result-banner {\r\n\r\n    flex-direction:\r\n      column;\r\n\r\n  }\r\n\r\n  .hecs-au-banner-right {\r\n\r\n    text-align:\r\n      left;\r\n\r\n  }\r\n\r\n  .hecs-au-payoff-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:420px) {\r\n\r\n  .hecs-au-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .hecs-au-input-card {\r\n\r\n    padding:\r\n      17px;\r\n\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  \/* =====================================\r\n     BASIC HELPERS\r\n  ===================================== *\/\r\n\r\n  function num(id) {\r\n\r\n    var el =\r\n      document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value =\r\n      parseFloat(el.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits: 2,\r\n          maximumFractionDigits: 2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function percent(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"0%\";\r\n\r\n    }\r\n\r\n    return value.toFixed(2) + \"%\";\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     2026-27 HECS REPAYMENT ENGINE\r\n  ===================================== *\/\r\n\r\n  function compulsoryRepayment(income) {\r\n\r\n    if (income <= 69528) {\r\n\r\n      return 0;\r\n\r\n    }\r\n\r\n\r\n    if (income <= 129717) {\r\n\r\n      return (\r\n        income - 69528\r\n      ) * 0.15;\r\n\r\n    }\r\n\r\n\r\n    if (income <= 186050) {\r\n\r\n      return (\r\n\r\n        9028.35 +\r\n\r\n        (\r\n          income -\r\n          129717\r\n        ) * 0.17\r\n\r\n      );\r\n\r\n    }\r\n\r\n\r\n    return income * 0.10;\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     LONG-TERM YEARLY PROJECTION\r\n  ===================================== *\/\r\n\r\n  function projectDebt(\r\n    startingDebt,\r\n    startingIncome,\r\n    incomeGrowth,\r\n    indexRate,\r\n    voluntaryMonthly\r\n  ) {\r\n\r\n    var debt =\r\n      startingDebt;\r\n\r\n    var income =\r\n      startingIncome;\r\n\r\n    var totalCompulsory = 0;\r\n\r\n    var totalVoluntary = 0;\r\n\r\n    var totalIndexation = 0;\r\n\r\n    var schedule = [];\r\n\r\n    var currentYear =\r\n      new Date().getFullYear();\r\n\r\n\r\n    \/*\r\n     * The current date is in the 2026-27\r\n     * financial year. We label the first\r\n     * projection year 2026-27.\r\n     *\/\r\n\r\n    var financialYear =\r\n      2026;\r\n\r\n\r\n    for (\r\n      var year = 0;\r\n      year < 100 && debt > 0.01;\r\n      year++\r\n    ) {\r\n\r\n\r\n      \/*\r\n       * Indexation is applied to the\r\n       * outstanding balance for the\r\n       * projection.\r\n       *\/\r\n\r\n      var indexAmount =\r\n        debt *\r\n        (indexRate \/ 100);\r\n\r\n\r\n      debt += indexAmount;\r\n\r\n      totalIndexation +=\r\n        indexAmount;\r\n\r\n\r\n      \/*\r\n       * Compulsory repayment is based\r\n       * on repayment income.\r\n       *\/\r\n\r\n      var compulsory =\r\n        compulsoryRepayment(\r\n          income\r\n        );\r\n\r\n\r\n      \/*\r\n       * A compulsory repayment cannot\r\n       * exceed the remaining debt.\r\n       *\/\r\n\r\n      compulsory =\r\n        Math.min(\r\n          compulsory,\r\n          debt\r\n        );\r\n\r\n\r\n      debt -= compulsory;\r\n\r\n      totalCompulsory +=\r\n        compulsory;\r\n\r\n\r\n      \/*\r\n       * Voluntary repayments.\r\n       *\/\r\n\r\n      var voluntary =\r\n        voluntaryMonthly *\r\n        12;\r\n\r\n\r\n      voluntary =\r\n        Math.min(\r\n          voluntary,\r\n          debt\r\n        );\r\n\r\n\r\n      debt -= voluntary;\r\n\r\n      totalVoluntary +=\r\n        voluntary;\r\n\r\n\r\n      schedule.push({\r\n\r\n        year:\r\n          financialYear +\r\n          year,\r\n\r\n        income:\r\n          income,\r\n\r\n        compulsory:\r\n          compulsory,\r\n\r\n        voluntary:\r\n          voluntary,\r\n\r\n        indexation:\r\n          indexAmount,\r\n\r\n        ending:\r\n          Math.max(\r\n            0,\r\n            debt\r\n          )\r\n\r\n      });\r\n\r\n\r\n      \/*\r\n       * Increase income for the\r\n       * following year.\r\n       *\/\r\n\r\n      income =\r\n        income *\r\n        (\r\n          1 +\r\n          incomeGrowth \/ 100\r\n        );\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      schedule:\r\n        schedule,\r\n\r\n      totalCompulsory:\r\n        totalCompulsory,\r\n\r\n      totalVoluntary:\r\n        totalVoluntary,\r\n\r\n      totalIndexation:\r\n        totalIndexation,\r\n\r\n      years:\r\n        schedule.length,\r\n\r\n      payoffYear:\r\n        schedule.length\r\n          ? schedule[\r\n              schedule.length - 1\r\n            ].year\r\n          : financialYear\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     RENDER YEARLY TABLE\r\n  ===================================== *\/\r\n\r\n  function renderSchedule(\r\n    schedule\r\n  ) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"hecs-au-schedule-body\"\r\n      );\r\n\r\n\r\n    body.innerHTML = \"\";\r\n\r\n\r\n    var max =\r\n      Math.min(\r\n        schedule.length,\r\n        40\r\n      );\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < max;\r\n      i++\r\n    ) {\r\n\r\n      var row =\r\n        schedule[i];\r\n\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.year +\r\n        \"-\" +\r\n        String(\r\n          (\r\n            row.year + 1\r\n          )\r\n        ).slice(-2) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.income) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.compulsory) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.voluntary) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.indexation) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.ending) +\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      schedule.length > 40\r\n    ) {\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        '<td colspan=\"6\" style=\"text-align:center;color:#6B7280;\">' +\r\n\r\n        \"Showing the first 40 projected years.\" +\r\n\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     MAIN CALCULATOR\r\n  ===================================== *\/\r\n\r\n  function calculate() {\r\n\r\n    var debt =\r\n      num(\r\n        \"hecs-au-debt\"\r\n      );\r\n\r\n\r\n    var income =\r\n      num(\r\n        \"hecs-au-income\"\r\n      );\r\n\r\n\r\n    var voluntary =\r\n      num(\r\n        \"hecs-au-extra\"\r\n      );\r\n\r\n\r\n    var incomeGrowth =\r\n      num(\r\n        \"hecs-au-growth\"\r\n      );\r\n\r\n\r\n    var indexRate =\r\n      num(\r\n        \"hecs-au-indexation\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"hecs-au-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    \/* VALIDATION *\/\r\n\r\n    if (debt < 0) {\r\n\r\n      error.textContent =\r\n        \"Please enter a valid HECS-HELP debt.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (income < 0) {\r\n\r\n      error.textContent =\r\n        \"Please enter a valid repayment income.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (voluntary < 0) {\r\n\r\n      error.textContent =\r\n        \"Voluntary repayment cannot be negative.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (incomeGrowth < 0) {\r\n\r\n      incomeGrowth = 0;\r\n\r\n    }\r\n\r\n\r\n    if (indexRate < 0) {\r\n\r\n      indexRate = 0;\r\n\r\n    }\r\n\r\n\r\n    \/* CURRENT REPAYMENT *\/\r\n\r\n    var annual =\r\n      compulsoryRepayment(\r\n        income\r\n      );\r\n\r\n\r\n    var monthly =\r\n      annual \/ 12;\r\n\r\n\r\n    var fortnightly =\r\n      annual \/ 26;\r\n\r\n\r\n    var weekly =\r\n      annual \/ 52;\r\n\r\n\r\n    var effectiveRate =\r\n      income > 0\r\n        ? (\r\n            annual \/\r\n            income\r\n          ) * 100\r\n        : 0;\r\n\r\n\r\n    var remaining =\r\n      Math.max(\r\n        0,\r\n        debt - annual\r\n      );\r\n\r\n\r\n    \/*\r\n     * If the compulsory repayment is\r\n     * greater than the debt, it is\r\n     * capped at the debt balance.\r\n     *\/\r\n\r\n    if (\r\n      annual > debt &&\r\n      debt > 0\r\n    ) {\r\n\r\n      annual =\r\n        debt;\r\n\r\n      monthly =\r\n        annual \/ 12;\r\n\r\n      fortnightly =\r\n        annual \/ 26;\r\n\r\n      weekly =\r\n        annual \/ 52;\r\n\r\n      effectiveRate =\r\n        income > 0\r\n          ? (\r\n              annual \/\r\n              income\r\n            ) * 100\r\n          : 0;\r\n\r\n      remaining = 0;\r\n\r\n    }\r\n\r\n\r\n    \/* RESULTS *\/\r\n\r\n    document.getElementById(\r\n      \"hecs-au-annual\"\r\n    ).textContent =\r\n      money(annual);\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-monthly\"\r\n    ).textContent =\r\n      money(monthly);\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-fortnightly\"\r\n    ).textContent =\r\n      money(fortnightly);\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-weekly\"\r\n    ).textContent =\r\n      money(weekly);\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-rate\"\r\n    ).textContent =\r\n      percent(effectiveRate);\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-remaining\"\r\n    ).textContent =\r\n      money(remaining);\r\n\r\n\r\n    \/* SUMMARY *\/\r\n\r\n    if (annual === 0) {\r\n\r\n      document.getElementById(\r\n        \"hecs-au-summary-text\"\r\n      ).textContent =\r\n\r\n        \"Your repayment income is below the 2026\u201327 minimum repayment threshold of $69,528, so the estimated compulsory HECS-HELP repayment is $0 for this income level.\";\r\n\r\n    } else {\r\n\r\n      document.getElementById(\r\n        \"hecs-au-summary-text\"\r\n      ).textContent =\r\n\r\n        \"Based on repayment income of \" +\r\n\r\n        money(income) +\r\n\r\n        \", your estimated compulsory HECS-HELP repayment for 2026\u201327 is \" +\r\n\r\n        money(annual) +\r\n\r\n        \" per year, equivalent to approximately \" +\r\n\r\n        money(monthly) +\r\n\r\n        \" per month, \" +\r\n\r\n        money(fortnightly) +\r\n\r\n        \" per fortnight, or \" +\r\n\r\n        money(weekly) +\r\n\r\n        \" per week. The estimated effective repayment rate on your repayment income is \" +\r\n\r\n        percent(effectiveRate) +\r\n\r\n        \".\";\r\n\r\n    }\r\n\r\n\r\n    \/* LONG TERM PROJECTION *\/\r\n\r\n    var projection =\r\n      projectDebt(\r\n        debt,\r\n        income,\r\n        incomeGrowth,\r\n        indexRate,\r\n        voluntary\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-years\"\r\n    ).textContent =\r\n\r\n      projection.years +\r\n      (\r\n        projection.years === 1\r\n          ? \" year\"\r\n          : \" years\"\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-year\"\r\n    ).textContent =\r\n\r\n      projection.payoffYear;\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-compulsory-total\"\r\n    ).textContent =\r\n      money(\r\n        projection.totalCompulsory\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-voluntary-total\"\r\n    ).textContent =\r\n      money(\r\n        projection.totalVoluntary\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-indexation-total\"\r\n    ).textContent =\r\n      money(\r\n        projection.totalIndexation\r\n      );\r\n\r\n\r\n    renderSchedule(\r\n      projection.schedule\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     RESET\r\n  ===================================== *\/\r\n\r\n  function resetCalculator() {\r\n\r\n    document.getElementById(\r\n      \"hecs-au-debt\"\r\n    ).value =\r\n      \"30000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-income\"\r\n    ).value =\r\n      \"90000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-growth\"\r\n    ).value =\r\n      \"3\";\r\n\r\n\r\n    document.getElementById(\r\n      \"hecs-au-indexation\"\r\n    ).value =\r\n      \"2.8\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* =====================================\r\n     EVENTS\r\n  ===================================== *\/\r\n\r\n  document.getElementById(\r\n    \"hecs-au-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"hecs-au-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    resetCalculator\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#hecs-help-au-calculator input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  \/* INITIAL *\/\r\n\r\n  calculate();\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The HECS-HELP Repayment Calculator is a free Australian tool that helps students and graduates estimate their compulsory HECS-HELP repayment based on their repayment income and outstanding HELP debt. Enter your current HECS-HELP balance and estimated repayment income to see your estimated annual repayment along with monthly, fortnightly and weekly equivalents. The calculator also shows the applicable repayment rate and explains how your income affects your compulsory repayment. You can optionally enter an additional voluntary repayment, expected annual income growth and an estimated annual indexation rate to explore how your HECS-HELP debt could change over time. The tool provides an estimated year-by-year repayment schedule, projected debt balance, total compulsory repayments, voluntary payments and estimated indexation. It is designed to make the Australian HELP repayment system easier to understand and useful for financial planning. Results are estimates for educational purposes only and may differ from the actual amount calculated by the Australian Taxation Office.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The HECS-HELP Repayment Calculator is a free Australian tool that helps students and graduates estimate their compulsory HECS-HELP repayment based [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-731","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"The HECS-HELP Repayment Calculator is a free Australian tool that helps students and graduates estimate their compulsory HECS-HELP repayment based [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/731","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=731"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/731\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=731"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}